CAIXABANK SA (48CA.DE) Fundamental Analysis & Valuation

FRA:48CA • ES0140609019

Current stock price

10.62 EUR
-0.03 (-0.28%)
Last:

This 48CA.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. 48CA.DE Profitability Analysis

1.1 Basic Checks

  • 48CA had positive earnings in the past year.
  • In the past year 48CA had a positive cash flow from operations.
  • 48CA had positive earnings in each of the past 5 years.
  • Of the past 5 years 48CA 4 years had a positive operating cash flow.
48CA.DE Yearly Net Income VS EBIT VS OCF VS FCF48CA.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B -20B -40B -60B -80B

1.2 Ratios

  • 48CA has a better Return On Assets (1.33%) than 83.17% of its industry peers.
  • 48CA has a Return On Equity of 22.86%. This is amongst the best in the industry. 48CA outperforms 94.06% of its industry peers.
Industry RankSector Rank
ROA 1.33%
ROE 22.86%
ROIC N/A
ROA(3y)0.85%
ROA(5y)0.75%
ROE(3y)14.5%
ROE(5y)13.22%
ROIC(3y)N/A
ROIC(5y)N/A
48CA.DE Yearly ROA, ROE, ROIC48CA.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • 48CA has a Profit Margin of 31.40%. This is amongst the best in the industry. 48CA outperforms 80.20% of its industry peers.
  • In the last couple of years the Profit Margin of 48CA has grown nicely.
  • The Operating Margin and Gross Margin are not available for 48CA so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 31.4%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y16.94%
PM growth 5Y21.19%
GM growth 3YN/A
GM growth 5YN/A
48CA.DE Yearly Profit, Operating, Gross Margins48CA.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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2

2. 48CA.DE Health Analysis

2.1 Basic Checks

  • 48CA does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, 48CA has less shares outstanding
  • 48CA has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for 48CA has been reduced compared to a year ago.
48CA.DE Yearly Shares Outstanding48CA.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B
48CA.DE Yearly Total Debt VS Total Assets48CA.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200B 400B 600B

2.2 Solvency

  • The Debt to FCF ratio of 48CA is 15.27, which is on the high side as it means it would take 48CA, 15.27 years of fcf income to pay off all of its debts.
  • 48CA has a better Debt to FCF ratio (15.27) than 74.26% of its industry peers.
  • A Debt/Equity ratio of 1.36 is on the high side and indicates that 48CA has dependencies on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 1.36, 48CA is in the better half of the industry, outperforming 65.35% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.36
Debt/FCF 15.27
Altman-Z N/A
ROIC/WACCN/A
WACC6.02%
48CA.DE Yearly LT Debt VS Equity VS FCF48CA.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B -20B 40B -40B -60B -80B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
48CA.DE Yearly Current Assets VS Current Liabilites48CA.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

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5

3. 48CA.DE Growth Analysis

3.1 Past

  • 48CA shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 6.51%.
  • 48CA shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 29.62% yearly.
  • The Revenue has been growing slightly by 3.38% in the past year.
  • Measured over the past years, 48CA shows a quite strong growth in Revenue. The Revenue has been growing by 12.73% on average per year.
EPS 1Y (TTM)6.51%
EPS 3Y31.47%
EPS 5Y29.62%
EPS Q2Q%12.38%
Revenue 1Y (TTM)3.38%
Revenue growth 3Y8.7%
Revenue growth 5Y12.73%
Sales Q2Q%-54.33%

3.2 Future

  • Based on estimates for the next years, 48CA will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.74% on average per year.
  • Based on estimates for the next years, 48CA will show a small growth in Revenue. The Revenue will grow by 6.73% on average per year.
EPS Next Y6.7%
EPS Next 2Y10.73%
EPS Next 3Y9.74%
EPS Next 5YN/A
Revenue Next Year5.91%
Revenue Next 2Y7.16%
Revenue Next 3Y6.73%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
48CA.DE Yearly Revenue VS Estimates48CA.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5B 10B 15B 20B
48CA.DE Yearly EPS VS Estimates48CA.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0.2 0.4 0.6 0.8 1

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3

4. 48CA.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • 48CA is valuated correctly with a Price/Earnings ratio of 12.64.
  • Compared to the rest of the industry, the Price/Earnings ratio of 48CA indicates a slightly more expensive valuation: 48CA is more expensive than 66.34% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.64. 48CA is valued rather cheaply when compared to this.
  • 48CA is valuated reasonably with a Price/Forward Earnings ratio of 11.83.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of 48CA indicates a slightly more expensive valuation: 48CA is more expensive than 60.40% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 21.36. 48CA is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 12.64
Fwd PE 11.83
48CA.DE Price Earnings VS Forward Price Earnings48CA.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 48CA's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 21.69
EV/EBITDA N/A
48CA.DE Per share data48CA.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3 4 5

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates 48CA does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)1.89
PEG (5Y)0.43
EPS Next 2Y10.73%
EPS Next 3Y9.74%

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6

5. 48CA.DE Dividend Analysis

5.1 Amount

  • 48CA has a Yearly Dividend Yield of 3.87%.
  • 48CA's Dividend Yield is comparable with the industry average which is at 4.48.
  • Compared to an average S&P500 Dividend Yield of 1.82, 48CA pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.87%

5.2 History

  • On average, the dividend of 48CA grows each year by 45.42%, which is quite nice.
Dividend Growth(5Y)45.42%
Div Incr Years0
Div Non Decr Years0
48CA.DE Yearly Dividends per share48CA.DE Yearly Dividends per shareYearly Dividends per share 2026 0.1 0.2 0.3

5.3 Sustainability

  • 36.47% of the earnings are spent on dividend by 48CA. This is a low number and sustainable payout ratio.
  • 48CA's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP36.47%
EPS Next 2Y10.73%
EPS Next 3Y9.74%
48CA.DE Yearly Income VS Free CF VS Dividend48CA.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B -20B -40B -60B -80B
48CA.DE Dividend Payout.48CA.DE Dividend Payout, showing the Payout Ratio.48CA.DE Dividend Payout.PayoutRetained Earnings

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48CA.DE Fundamentals: All Metrics, Ratios and Statistics

CAIXABANK SA

FRA:48CA (4/30/2026, 7:00:00 PM)

10.62

-0.03 (-0.28%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry StrengthN/A
Industry GrowthN/A
Earnings (Last)01-30
Earnings (Next)04-30
Inst Owners24.44%
Inst Owner ChangeN/A
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap74.60B
Revenue(TTM)28.04B
Net Income(TTM)8.80B
Analysts71.61
Price Target11.71 (10.26%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.87%
Yearly Dividend0.45
Dividend Growth(5Y)45.42%
DP36.47%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)10.35%
Min EPS beat(2)3.56%
Max EPS beat(2)17.15%
EPS beat(4)4
Avg EPS beat(4)12.7%
Min EPS beat(4)3.56%
Max EPS beat(4)26.5%
EPS beat(8)8
Avg EPS beat(8)11.29%
EPS beat(12)11
Avg EPS beat(12)11.36%
EPS beat(16)14
Avg EPS beat(16)11.59%
Revenue beat(2)0
Avg Revenue beat(2)-0.77%
Min Revenue beat(2)-1.05%
Max Revenue beat(2)-0.49%
Revenue beat(4)1
Avg Revenue beat(4)1.23%
Min Revenue beat(4)-1.05%
Max Revenue beat(4)7.04%
Revenue beat(8)5
Avg Revenue beat(8)34.54%
Revenue beat(12)9
Avg Revenue beat(12)52.18%
Revenue beat(16)13
Avg Revenue beat(16)59.79%
PT rev (1m)-0.23%
PT rev (3m)13.46%
EPS NQ rev (1m)-1.94%
EPS NQ rev (3m)-2.89%
EPS NY rev (1m)0.16%
EPS NY rev (3m)2.91%
Revenue NQ rev (1m)-0.88%
Revenue NQ rev (3m)-1.07%
Revenue NY rev (1m)0.02%
Revenue NY rev (3m)1.13%
Valuation
Industry RankSector Rank
PE 12.64
Fwd PE 11.83
P/S 2.66
P/FCF 21.69
P/OCF 16.92
P/B 1.94
P/tB 2.24
EV/EBITDA N/A
EPS(TTM)0.84
EY7.91%
EPS(NY)0.9
Fwd EY8.45%
FCF(TTM)0.49
FCFY4.61%
OCF(TTM)0.63
OCFY5.91%
SpS3.99
BVpS5.48
TBVpS4.73
PEG (NY)1.89
PEG (5Y)0.43
Graham Number10.1791 (-4.15%)
Profitability
Industry RankSector Rank
ROA 1.33%
ROE 22.86%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 31.4%
GM N/A
FCFM 12.26%
ROA(3y)0.85%
ROA(5y)0.75%
ROE(3y)14.5%
ROE(5y)13.22%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y16.94%
PM growth 5Y21.19%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 1.36
Debt/FCF 15.27
Debt/EBITDA N/A
Cap/Depr 122.76%
Cap/Sales 3.46%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 39.06%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC6.02%
ROIC/WACCN/A
Cap/Depr(3y)107.76%
Cap/Depr(5y)106.87%
Cap/Sales(3y)4.35%
Cap/Sales(5y)4.59%
Profit Quality(3y)221.88%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)6.51%
EPS 3Y31.47%
EPS 5Y29.62%
EPS Q2Q%12.38%
EPS Next Y6.7%
EPS Next 2Y10.73%
EPS Next 3Y9.74%
EPS Next 5YN/A
Revenue 1Y (TTM)3.38%
Revenue growth 3Y8.7%
Revenue growth 5Y12.73%
Sales Q2Q%-54.33%
Revenue Next Year5.91%
Revenue Next 2Y7.16%
Revenue Next 3Y6.73%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-78.63%
FCF growth 3YN/A
FCF growth 5Y-37.78%
OCF growth 1Y-73.82%
OCF growth 3YN/A
OCF growth 5Y-34.85%

CAIXABANK SA / 48CA.DE Fundamental Analysis FAQ

What is the fundamental rating for 48CA stock?

ChartMill assigns a fundamental rating of 4 / 10 to 48CA.DE.


What is the valuation status for 48CA stock?

ChartMill assigns a valuation rating of 3 / 10 to CAIXABANK SA (48CA.DE). This can be considered as Overvalued.


What is the profitability of 48CA stock?

CAIXABANK SA (48CA.DE) has a profitability rating of 5 / 10.


What are the PE and PB ratios of CAIXABANK SA (48CA.DE) stock?

The Price/Earnings (PE) ratio for CAIXABANK SA (48CA.DE) is 12.64 and the Price/Book (PB) ratio is 1.94.


What is the earnings growth outlook for CAIXABANK SA?

The Earnings per Share (EPS) of CAIXABANK SA (48CA.DE) is expected to grow by 6.7% in the next year.