Update shared on 20 Nov 2025
Fair value Increased 2.20%CaixaBank's analyst price target has increased from €9.29 to €9.50. This change reflects improved sentiment among analysts, due to solid revenue growth prospects, ongoing profitability, and recent upward revisions to price targets by major research firms.
Analyst Commentary
Recent analyst actions reflect a mix of optimism and caution regarding CaixaBank's performance and outlook. The following summarizes the key themes highlighted in recent street research:
Bullish Takeaways- Rising price targets across multiple research firms indicate improved confidence in CaixaBank's ability to execute on revenue growth initiatives.
- Analysts are encouraged by healthy loan growth prospects and resilient profitability, suggesting favorable conditions for sustainable earnings expansion.
- Solid growth in net interest income and an attractive fee and insurance platform are seen as strengths that support ongoing business momentum.
- Upgrades in ratings suggest that the current valuation is viewed as more balanced, with upside potential if operational targets are met.
- Some analysts remain cautious, maintaining neutral positions due to concerns around valuation, particularly as CaixaBank now trades at an 11x 12-month forward price-to-earnings ratio.
- There are notes of caution around execution risks, with the view that continued performance is required to justify recent price target increases.
- Sector performance ratings persist among a subset of analysts, indicating lingering uncertainties within the broader European banking landscape.
- The recent positive revisions may reflect already priced-in growth expectations, implying limited room for disappointment in upcoming quarters.
Valuation Changes
- The consensus analyst price target has increased slightly from €9.29 to €9.50 per share.
- The discount rate has risen modestly, moving from 8.23% to 8.33%.
- Revenue growth expectation has declined marginally, from 6.53% to 6.44%.
- The net profit margin projection has fallen slightly, decreasing from 36.62% to 36.28%.
- The future P/E ratio is now higher at 12.44x, compared to the prior 11.48x.
Disclaimer
AnalystConsensusTarget is a tool utilizing a Large Language Model (LLM) that ingests data on consensus price targets, forecasted revenue and earnings figures, as well as the transcripts of earnings calls to produce qualitative analysis. The narratives produced by AnalystConsensusTarget are general in nature and are based solely on analyst data and publicly-available material published by the respective companies. These scenarios are not indicative of the company's future performance and are exploratory in nature. Simply Wall St has no position in the company(s) mentioned. Simply Wall St may provide the securities issuer or related entities with website advertising services for a fee, on an arm's length basis. These relationships have no impact on the way we conduct our business, the content we host, or how our content is served to users. The price targets and estimates used are consensus data, and do not constitute a recommendation to buy or sell any stock, and they do not take account of your objectives, or your financial situation. Note that AnalystConsensusTarget's analysis may not factor in the latest price-sensitive company announcements or qualitative material.