CaixaBank（0ILK）株式概要カイシャバンクS.A.は、その子会社とともに、スペイン、ポルトガル、および海外で、個人および法人向けに様々なバンキング商品およびサービスを提供している。 詳細0ILK ファンダメンタル分析スノーフレーク・スコア評価2/6将来の成長2/6過去の実績2/6財務の健全性5/6配当金4/6報酬当社が推定した公正価値より34.9%で取引されている 収益は年間11.45%増加すると予測されています リスク分析不安定な配当実績 すべてのリスクチェックを見る0ILK Community Fair Values Create NarrativeSee what others think this stock is worth. Follow their fair value or set your own to get alerts.Your Fair Value€Current Price€11.4011.1% 割安 内在価値ディスカウントGrowth estimate overAnnual revenue growth rate5 Yearstime period%/yrDecreaseIncreasePastFuture024b2016201920222025202620282031Revenue €23.9bEarnings €8.9bAdvancedSet Fair ValueView all narrativesCaixaBank, S.A. 競合他社BarclaysSymbol: LSE:BARCMarket cap: UK£60.5bLloyds Banking GroupSymbol: LSE:LLOYMarket cap: UK£57.9bStandard CharteredSymbol: LSE:STANMarket cap: UK£42.6bNatWest GroupSymbol: LSE:NWGMarket cap: UK£46.5b価格と性能株価の高値、安値、推移の概要CaixaBank過去の株価現在の株価€11.4052週高値€11.6252週安値€7.15ベータ0.131ヶ月の変化8.84%3ヶ月変化3.97%1年変化53.18%3年間の変化221.04%5年間の変化301.34%IPOからの変化173.25%最新ニュースReported Earnings • May 05First quarter 2026 earnings released: EPS: €0.23 (vs €0.21 in 1Q 2025)First quarter 2026 results: EPS: €0.23 (up from €0.21 in 1Q 2025). Revenue: €3.93b (up 2.7% from 1Q 2025). Net income: €1.57b (up 6.9% from 1Q 2025). Profit margin: 40% (up from 38% in 1Q 2025). Revenue is forecast to grow 9.0% p.a. on average during the next 3 years, compared to a 6.5% growth forecast for the Banks industry in the United Kingdom. Over the last 3 years on average, earnings per share has increased by 20% per year but the company’s share price has increased by 48% per year, which means it is tracking significantly ahead of earnings growth.Upcoming Dividend • Mar 31Upcoming dividend of €0.27 per shareEligible shareholders must have bought the stock before 07 April 2026. Payment date: 09 April 2026. Payout ratio is a comfortable 63% but the company is paying out more than the cash it is generating. Trailing yield: 4.9%. Lower than top quartile of British dividend payers (6.0%). Higher than average of industry peers (4.4%).お知らせ • Feb 20CaixaBank, S.A., Annual General Meeting, Mar 26, 2026CaixaBank, S.A., Annual General Meeting, Mar 26, 2026. Location: palacio de congresos de valencia, avenida de las cortes valencianas 60., valencia SpainBuy Or Sell Opportunity • Feb 12Now 21% undervaluedOver the last 90 days, the stock has risen 12% to €10.51. The fair value is estimated to be €13.32, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 13% over the last 3 years. Earnings per share has grown by 25%. For the next 3 years, revenue is forecast to grow by 8.0% per annum. Earnings are also forecast to grow by 7.7% per annum over the same time period.Reported Earnings • Feb 01Full year 2025 earnings released: EPS: €0.83 (vs €0.76 in FY 2024)Full year 2025 results: EPS: €0.83 (up from €0.76 in FY 2024). Revenue: €15.3b (up 3.3% from FY 2024). Net income: €5.89b (up 6.7% from FY 2024). Profit margin: 39% (up from 37% in FY 2024). The increase in margin was driven by higher revenue. Cost-to-income ratio: 39.4% (up from 38.5% in FY 2024). Non-performing loans: 2.04% (down from 2.68% in FY 2024). Revenue is forecast to grow 7.8% p.a. on average during the next 3 years, compared to a 5.7% growth forecast for the Banks industry in the United Kingdom. Over the last 3 years on average, earnings per share has increased by 25% per year but the company’s share price has increased by 42% per year, which means it is tracking significantly ahead of earnings growth.お知らせ • Dec 24CaixaBank, S.A. to Report Q4, 2025 Results on Jan 30, 2026CaixaBank, S.A. announced that they will report Q4, 2025 results on Jan 30, 2026最新情報をもっと見るRecent updatesReported Earnings • May 05First quarter 2026 earnings released: EPS: €0.23 (vs €0.21 in 1Q 2025)First quarter 2026 results: EPS: €0.23 (up from €0.21 in 1Q 2025). Revenue: €3.93b (up 2.7% from 1Q 2025). Net income: €1.57b (up 6.9% from 1Q 2025). Profit margin: 40% (up from 38% in 1Q 2025). Revenue is forecast to grow 9.0% p.a. on average during the next 3 years, compared to a 6.5% growth forecast for the Banks industry in the United Kingdom. Over the last 3 years on average, earnings per share has increased by 20% per year but the company’s share price has increased by 48% per year, which means it is tracking significantly ahead of earnings growth.Upcoming Dividend • Mar 31Upcoming dividend of €0.27 per shareEligible shareholders must have bought the stock before 07 April 2026. Payment date: 09 April 2026. Payout ratio is a comfortable 63% but the company is paying out more than the cash it is generating. Trailing yield: 4.9%. Lower than top quartile of British dividend payers (6.0%). Higher than average of industry peers (4.4%).お知らせ • Feb 20CaixaBank, S.A., Annual General Meeting, Mar 26, 2026CaixaBank, S.A., Annual General Meeting, Mar 26, 2026. Location: palacio de congresos de valencia, avenida de las cortes valencianas 60., valencia SpainBuy Or Sell Opportunity • Feb 12Now 21% undervaluedOver the last 90 days, the stock has risen 12% to €10.51. The fair value is estimated to be €13.32, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 13% over the last 3 years. Earnings per share has grown by 25%. For the next 3 years, revenue is forecast to grow by 8.0% per annum. Earnings are also forecast to grow by 7.7% per annum over the same time period.Reported Earnings • Feb 01Full year 2025 earnings released: EPS: €0.83 (vs €0.76 in FY 2024)Full year 2025 results: EPS: €0.83 (up from €0.76 in FY 2024). Revenue: €15.3b (up 3.3% from FY 2024). Net income: €5.89b (up 6.7% from FY 2024). Profit margin: 39% (up from 37% in FY 2024). The increase in margin was driven by higher revenue. Cost-to-income ratio: 39.4% (up from 38.5% in FY 2024). Non-performing loans: 2.04% (down from 2.68% in FY 2024). Revenue is forecast to grow 7.8% p.a. on average during the next 3 years, compared to a 5.7% growth forecast for the Banks industry in the United Kingdom. Over the last 3 years on average, earnings per share has increased by 25% per year but the company’s share price has increased by 42% per year, which means it is tracking significantly ahead of earnings growth.お知らせ • Dec 24CaixaBank, S.A. to Report Q4, 2025 Results on Jan 30, 2026CaixaBank, S.A. announced that they will report Q4, 2025 results on Jan 30, 2026Reported Earnings • Nov 01Third quarter 2025 earnings releasedThird quarter 2025 results: Revenue: €3.80b (down 12% from 3Q 2024). Net income: €1.45b (down 8.1% from 3Q 2024). Profit margin: 38% (up from 36% in 3Q 2024). The increase in margin was driven by lower expenses. Revenue is forecast to grow 6.8% p.a. on average during the next 3 years, compared to a 5.8% growth forecast for the Banks industry in the United Kingdom.お知らせ • Sep 16CaixaBank, S.A. to Report Q3, 2025 Results on Oct 31, 2025CaixaBank, S.A. announced that they will report Q3, 2025 results at 9:00 AM, Central European Standard Time on Oct 31, 2025Reported Earnings • Jul 31Second quarter 2025 earnings released: EPS: €0.21 (vs €0.23 in 2Q 2024)Second quarter 2025 results: EPS: €0.21 (down from €0.23 in 2Q 2024). Revenue: €3.83b (up 31% from 2Q 2024). Net income: €1.48b (down 11% from 2Q 2024). Profit margin: 39% (down from 57% in 2Q 2024). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 5.9% p.a. on average during the next 3 years, compared to a 5.6% growth forecast for the Banks industry in the United Kingdom. Over the last 3 years on average, earnings per share has increased by 32% per year but the company’s share price has increased by 41% per year, which means it is tracking significantly ahead of earnings growth.Buy Or Sell Opportunity • Jul 10Now 20% undervaluedOver the last 90 days, the stock has risen 19% to €7.61. The fair value is estimated to be €9.54, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 17% over the last 3 years. Earnings per share has grown by 40%. Revenue is forecast to grow by 12% in 2 years. Earnings are forecast to decline by 6.2% in the next 2 years.New Risk • Jul 06New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 0.6% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 0.6% per year for the foreseeable future. Minor Risk Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past.New Risk • Jun 25New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 0.6% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 0.6% per year for the foreseeable future. Minor Risk Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past.お知らせ • Jun 10Portuguese Bank Novo Banco Reportedly Attracts Multiple BidsNovo Banco, S.A., the Portuguese bank lead by former AIB chief financial officer Mark Bourke, has attracted two bids from French banking group BPCE S.A. and CaixaBank, S.A. (BME:CABK) of Spain, according to people familiar with the matter. Lone Star, the US private equity giant which owns Novo Banco, could sell the lender outright but is also evaluating whether to offload shares through an initial public offering, said the people, who asked not to be identified as the discussions are private. A preliminary decision on a winning bidder or the IPO route could be made as early as this week, the people said. Representatives for BPCE, CaixaBank and Lone Star declined to comment. US private equity firm Lone Star owns a 75% stake in Novo Banco, while Portugal's government holds 25% through entities including the country's Resolution Fund. An acquisition of Novo Banco by BPCE, whose units include Banque Populaire and Natixis, or CaixaBank would be an important mark for cross-border banking deals in Europe. Governments in the region have recently hampered potential deals Spain has been opposing the planned takeover of Banco Sabadell by BBVA, Italy is seeking to obstruct the purchase of Banco BPM by UniCredit, and Germany has said it s against a potential acquisition of Commerzbank by UniCredit. Portuguese finance minister Joaquim Miranda Sarmento said in May that Spanish banks shouldn't further increase their presence in the country. Spanish lenders now already represent about a third of Portugal's banking market, he said in a television interview. I think that value shouldn't increase, due to a matter of concentration and of dependency, he said. The Portuguese bank has repeatedly said it s preparing for an IPO. If Lone Star picks that option, Novo Banco may be Portugal s first major flotation in four years and the biggest since the listing of EDP Renovaveis in 2008. Finance minister Sarmento said in January that Lone Star planned to sell a stake of about 25% to 30% of Novo Banco in a flotation. Novo Banco's flotation could raise EUR 1 billion or more depending on investor demand. The lender picked Bank of America, Deutsche Bank and JPMorgan Chase as global coordinators for the first-time share sale. Lone Star also lined up Deutsche Bank to guide discussions with potential buyers of Novo Banco.Buy Or Sell Opportunity • May 23Now 22% undervaluedOver the last 90 days, the stock has risen 15% to €7.44. The fair value is estimated to be €9.48, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 17% over the last 3 years. Earnings per share has grown by 40%. Revenue is forecast to grow by 11% in 2 years. Earnings are forecast to decline by 7.1% in the next 2 years.New Risk • May 02New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 1.4% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 1.4% per year for the foreseeable future. Minor Risk Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past.New Risk • Apr 23New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 0.3% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 0.3% per year for the foreseeable future. Minor Risk Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past.Upcoming Dividend • Apr 15Upcoming dividend of €0.23 per shareEligible shareholders must have bought the stock before 22 April 2025. Payment date: 24 April 2025. Payout ratio is a comfortable 57% and this is well supported by cash flows. Trailing yield: 8.6%. Within top quartile of British dividend payers (6.3%). Higher than average of industry peers (5.2%).Valuation Update With 7 Day Price Move • Apr 07Investor sentiment deteriorates as stock falls 16%After last week's 16% share price decline to €5.98, the stock trades at a forward P/E ratio of 8x. Average forward P/E is 7x in the Banks industry in the United Kingdom. Total returns to shareholders of 122% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €10.22 per share.Buy Or Sell Opportunity • Mar 20Now 21% undervaluedOver the last 90 days, the stock has risen 43% to €7.23. The fair value is estimated to be €9.15, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 17% over the last 3 years. Earnings per share has grown by 27%. For the next 3 years, revenue is forecast to grow by 2.9% per annum. Earnings are forecast to decline by 0.3% per annum over the same time period.お知らせ • Feb 21CaixaBank, S.A., Annual General Meeting, Apr 10, 2025CaixaBank, S.A., Annual General Meeting, Apr 10, 2025. Location: palacio de congresos, avenida de las cortes valencianas 60, valencia SpainReported Earnings • Jan 31Full year 2024 earnings released: EPS: €0.80 (vs €0.61 in FY 2023)Full year 2024 results: EPS: €0.80 (up from €0.61 in FY 2023). Revenue: €14.8b (up 14% from FY 2023). Net income: €5.79b (up 28% from FY 2023). Profit margin: 39% (up from 35% in FY 2023). The increase in margin was driven by higher revenue. Revenue is forecast to grow 2.9% p.a. on average during the next 3 years, compared to a 4.0% growth forecast for the Banks industry in the United Kingdom. Over the last 3 years on average, earnings per share has increased by 28% per year but the company’s share price has only increased by 23% per year, which means it is significantly lagging earnings growth.お知らせ • Jan 17Alexandre Hotels acquired Inversiones Inmobiliarias Teguise Resort Sociedad Limitada from CaixaBank, S.A. (BME:CABK) and Metrópolis Seguros S.A.Alexandre Hotels acquired Inversiones Inmobiliarias Teguise Resort Sociedad Limitada from CaixaBank, S.A. (BME:CABK) and Metrópolis Seguros S.A on January 16, 2025. CBRE has advised in this transaction. Alexandre Hotels completed the acquisition of Inversiones Inmobiliarias Teguise Resort Sociedad Limitada from CaixaBank, S.A. (BME:CABK) and Metrópolis Seguros S.A on January 16, 2025.お知らせ • Dec 18Spain Reportedly Hires Bank of America for CaixaBank Trading PlanSpain’s bank resolution authority hired Bank of America Corp. to help sell some of its shares in CaixaBank, S.A. (BME:CABK) and neutralize the impact of buybacks that would otherwise increase its stake. The US firm is managing a so-called dribble-out trading program, people familiar with the matter said, asking not to be named because the details are private. Economy minister Carlos Cuerpo has said he wants to keep the government’s stake in CaixaBank at around 18%. Spokespeople for BofA, CaixaBank and FROB, the Spanish bank resolution authority, declined to comment. Spain has trailed other European countries over the past two years in selling down stakes in the banking sector held since the financial crisis. Greece effectively privatized the entire industry when it exited three of the country’s biggest lenders and largely divested its holding in a fourth. Spain’s has owned the stake in CaixaBank since the lender merged with state-backed Bankia in 2021. The government has given itself until the end of 2025 to exit the investment, a deadline it previously extended. The state doesn’t plan to exit the holding for now to maximize returns, but doesn’t want to increase its ownership further, economy minister Carlos Cuerpo said last month. FROB’s remaining stake in CaixaBank is currently worth around €6.6 billion ($6.9 billion). Bank of America’s appointment comes just weeks after CaixaBank launched a new €500 million repurchase program.お知らせ • Oct 17Interparking SA agreed to acquire 81.5% stake in Saba Aparcamientos S.A.Interparking SA agreed to acquire 81.5% stake in Saba Aparcamientos S.A on October 16, 2024. The agreement reached provides that Criteria Caixa has the right to propose the appointment of two members of the board of directors of Interparking. Criteria, with 18% of the capital, will no longer be the group's main shareholder, but the two main investors will remain the current ones: AG Insurance (through its subsidiary AG Real Estate) and APG. The process has been delayed on several occasions for various reasons. It started in June 2022 when Criteria, which holds 99.5% of the shares, began talks to find a buyer. Post completion of the acquisition, the newly formed Interparking Group will be headquartered in Brussels and operate across 16 countries, AG will maintain majority control of it. Saba closed the 2023 financial year with a turnover of €308 million, 13% more than the previous year, and an EBITDA of €144 million. The closing of this transaction is subject to the usual conditions, including the approval of the European competition authorities among other customary conditions. BNP Paribas España S.A., Jefferies LLC act as financial advisor Linklaters LLP (France) and Freshfields Bruckhaus Deringer LLP act as legal advisor for Interparking SA . Uría Menéndez Abogados, S.L.P. act as legal advisor and Bank of America (Espana) SA act as financial advisor for CaixaBank, S.A.Reported Earnings • Aug 01Second quarter 2024 earnings released: EPS: €0.23 (vs €0.17 in 2Q 2023)Second quarter 2024 results: EPS: €0.23 (up from €0.17 in 2Q 2023). Revenue: €3.94b (up 18% from 2Q 2023). Net income: €1.67b (up 30% from 2Q 2023). Profit margin: 42% (up from 39% in 2Q 2023). The increase in margin was driven by higher revenue. Revenue is forecast to grow 2.2% p.a. on average during the next 3 years, compared to a 3.9% growth forecast for the Banks industry in the United Kingdom. Over the last 3 years on average, earnings per share has increased by 1% per year but the company’s share price has increased by 28% per year, which means it is tracking significantly ahead of earnings growth.New Risk • Jul 30New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 0.05% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 0.05% per year for the foreseeable future. Minor Risk Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past.New Risk • Jul 16New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 0.02% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 0.02% per year for the foreseeable future. Minor Risk Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past.New Risk • Jul 13New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 0.2% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 0.2% per year for the foreseeable future. Minor Risk Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past.New Risk • Apr 30New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 1.8% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 1.8% per year for the foreseeable future. Minor Risk Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past.Reported Earnings • Apr 30First quarter 2024 earnings releasedFirst quarter 2024 results: Revenue: €3.22b (flat on 1Q 2023). Net income: €1.01b (up 18% from 1Q 2023). Profit margin: 31% (up from 27% in 1Q 2023). Revenue is forecast to grow 2.2% p.a. on average during the next 3 years, compared to a 3.8% growth forecast for the Banks industry in the United Kingdom.お知らせ • Apr 19Criteria in Talks with Potential Investor in Energy Group NaturgySpanish holding vehicle Criteria Caixa, S.A. is in discussions with an investor group that has been talking to some of Spanish energy provider Naturgy Energy Group, S.A.'s (BME:NTGY) core shareholders over a possible partnership agreement, Criteria said on April 16, 2024. Earlier, newspaper Cinco Dias cited unidentified market sources as saying that Abu Dhabi's TAQA Arabia S.A.E. (CASE:TAQA) was in discussion with Naturgy's three largest shareholders, including Criteria, over a possible takeover. Criteria said it was not part of the talks between the third party and other Naturgy shareholders, and could not provide any information in this respect. The discussions with an investor, which it did not identify, were at "a preliminary stage and it is not possible to predict the outcome," it said. According to Cinco Dias, the negotiations, involving TAQA, Criteria and private equity investment funds CVC Capital Partners Limited and Global Infrastructure Management, LLC, started over a month ago with the knowledge of the Spanish government. Criteria, which is the main shareholder in lender CaixaBank, S.A. (BME:CABK), owns a 26.7% stake in Naturgy. GIP and CVC each own around 20%. Naturgy declined to comment. TAQA did not immediately respond to an emailed request for comment. CVC declined to comment and GIP had no immediately response. If the newspaper report is correct, TAQA would have to launch a full takeover bid for the whole company, as Spanish legislation requires a mandatory tender offer when a buyer wants to acquire more than 30% of any publicly traded company.Declared Dividend • Mar 24Dividend of €0.32 announcedShareholders will receive a dividend of €0.32. Ex-date: 28th March 2024 Payment date: 3rd April 2024 Dividend yield will be 6.7%, which is about the same as the industry average. Sustainability & Growth Dividend is covered by earnings (65% payout ratio) and is expected to be covered in 3 years' time (62% forecast payout ratio). The dividend has increased by an average of 5.5% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to grow by 2.2% over the next 3 years, which should provide support to the dividend and adequate earnings cover.お知らせ • Mar 19Fosun International Reportedly Open to Sale of Stake in MillenniumFosun International Limited (SEHK:656) is open to selling its remaining stake in Portugal's Millennium bcp (Banco Comercial Português, S.A. (ENXTLS:BCP)) after disposing of some shares earlier this year, two sources familiar with the matter told Reuters. The Chinese conglomerate, which aims to boost its working capital amid what analysts see as debt pressure, has been evaluating options, such as finding a strategic buyer for the 20% holding, one of the sources said, speaking on condition of anonymity. The stake was worth around EUR 836 million ($910 million) on March 18, 2024, according to LSEG data. European lenders including Spain's Banco Bilbao Vizcaya Argentaria, S.A. (BME:BBVA) and CaixaBank, S.A. (BME:CABK) have been sounded out as potential buyers, the second source said. However, CaixaBank has indicated it has little interest in acquiring the stake, that source and a third one familiar with the lender's thinking said. Fosun did not respond to a request for comment. Millennium bcp, BBVA, and Caixabank declined to comment. In January, Fosun sold 5.6% of Portugal's largest listed bank for EUR 235 million in a private offering to institutional investors arranged by UBS. A spokesperson for the Chinese group said at the time that it planned to retain a stake above 20%. Fosun is the largest single shareholder in Millennium bcp, followed by Angolan state oil company Sonangol with 19.49%.Reported Earnings • Feb 22Full year 2023 earnings released: EPS: €0.61 (vs €0.37 in FY 2022)Full year 2023 results: EPS: €0.61 (up from €0.37 in FY 2022). Revenue: €12.9b (up 27% from FY 2022). Net income: €4.54b (up 58% from FY 2022). Profit margin: 35% (up from 28% in FY 2022). The increase in margin was driven by higher revenue. Net interest margin (NIM): 1.92% (up from 1.09% in FY 2022). Cost-to-income ratio: 38.4% (down from 48.0% in FY 2022). Non-performing loans: 2.82% (up from 2.76% in FY 2022). Revenue is forecast to grow 3.2% p.a. on average during the next 3 years, compared to a 1.1% growth forecast for the Banks industry in the United Kingdom. Over the last 3 years on average, earnings per share has fallen by 4% per year but the company’s share price has increased by 18% per year, which means it is well ahead of earnings.お知らせ • Feb 17CaixaBank, S.A., Annual General Meeting, Mar 22, 2024CaixaBank, S.A., Annual General Meeting, Mar 22, 2024, at 11:00 Central European Standard Time. Location: Palacio de Congresos de València, Avenida de las Cortes Valencianas, 60, in the city of València Valencia ItalyNew Risk • Feb 06New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 1.5% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 1.5% per year for the foreseeable future. Minor Risk Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past.Reported Earnings • Feb 02Full year 2023 earnings released: EPS: €0.64 (vs €0.37 in FY 2022)Full year 2023 results: EPS: €0.64 (up from €0.37 in FY 2022). Revenue: €13.1b (up 23% from FY 2022). Net income: €4.82b (up 67% from FY 2022). Profit margin: 37% (up from 27% in FY 2022). The increase in margin was driven by higher revenue. Revenue is forecast to grow 2.9% p.a. on average during the next 3 years, while revenues in the Banks industry in the United Kingdom are expected to remain flat. Over the last 3 years on average, earnings per share has fallen by 3% per year but the company’s share price has increased by 21% per year, which means it is well ahead of earnings.お知らせ • Nov 12CaixaBank, S.A. to Report Q4, 2023 Results on Feb 02, 2024CaixaBank, S.A. announced that they will report Q4, 2023 results on Feb 02, 2024Reported Earnings • May 06First quarter 2023 earnings released: EPS: €0.11 (vs €0.12 in 1Q 2022)First quarter 2023 results: EPS: €0.11. Revenue: €2.83b (up 11% from 1Q 2022). Net income: €855.0m (up 21% from 1Q 2022). Profit margin: 30% (up from 28% in 1Q 2022). The increase in margin was driven by higher revenue. Revenue is forecast to grow 5.3% p.a. on average during the next 3 years, compared to a 2.0% growth forecast for the Banks industry in the United Kingdom.Buying Opportunity • Mar 13Now 20% undervaluedOver the last 90 days, the stock is up 13%. The fair value is estimated to be €4.72, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 14% over the last 3 years. Earnings per share has grown by 19%. For the next 3 years, revenue is forecast to grow by 8.8% per annum. Earnings is also forecast to grow by 11% per annum over the same time period.Reported Earnings • Feb 05Full year 2022 earnings releasedFull year 2022 results: Revenue: €10.5b (up 13% from FY 2021). Net income: €3.15b (down 37% from FY 2021). Profit margin: 30% (down from 53% in FY 2021). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 9.8% p.a. on average during the next 3 years, compared to a 5.6% growth forecast for the Banks industry in the United Kingdom.Buying Opportunity • Nov 11Now 20% undervaluedOver the last 90 days, the stock is up 3.3%. The fair value is estimated to be €3.94, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 13% over the last 3 years. Earnings per share has grown by 28%. For the next 3 years, revenue is forecast to grow by 7.3% per annum. Earnings is also forecast to grow by 9.4% per annum over the same time period.Reported Earnings • Oct 30Third quarter 2022 earnings releasedThird quarter 2022 results: Revenue: €2.81b (up 5.4% from 3Q 2021). Net income: €1.03b (up 65% from 3Q 2021). Profit margin: 37% (up from 23% in 3Q 2021). The increase in margin was primarily driven by lower expenses. Revenue is forecast to grow 6.4% p.a. on average during the next 3 years, compared to a 5.8% growth forecast for the Banks industry in the United Kingdom.Buying Opportunity • Oct 28Now 22% undervaluedOver the last 90 days, the stock is up 13%. The fair value is estimated to be €4.23, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 11% over the last 3 years. Earnings per share has grown by 29%. For the next 3 years, revenue is forecast to grow by 7.1% per annum. Earnings is also forecast to grow by 10.0% per annum over the same time period.Valuation Update With 7 Day Price Move • Sep 12Investor sentiment improved over the past weekAfter last week's 16% share price gain to €3.49, the stock trades at a forward P/E ratio of 9x. Average forward P/E is 6x in the Banks industry in the United Kingdom. Total returns to shareholders of 53% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €4.88 per share.Reported Earnings • Jul 29Second quarter 2022 earnings released: EPS: €0.11 (vs €0.075 loss in 2Q 2021)Second quarter 2022 results: EPS: €0.11 (up from €0.075 loss in 2Q 2021). Revenue: €2.85b (up 7.1% from 2Q 2021). Net income: €866.0m (up €1.47b from 2Q 2021). Profit margin: 30% (up from net loss in 2Q 2021). Over the next year, revenue is forecast to grow 93%, compared to a 6.4% growth forecast for the industry in the United Kingdom. Over the last 3 years on average, earnings per share has increased by 27% per year but the company’s share price has only increased by 9% per year, which means it is significantly lagging earnings growth.Valuation Update With 7 Day Price Move • Jul 06Investor sentiment deteriorated over the past weekAfter last week's 17% share price decline to €2.88, the stock trades at a forward P/E ratio of 9x. Average forward P/E is 6x in the Banks industry in the United Kingdom. Total returns to shareholders of 18% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €4.07 per share.Buying Opportunity • Jun 23Now 23% undervaluedOver the last 90 days, the stock is up 12%. The fair value is estimated to be €4.40, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 11% over the last 3 years. Earnings per share has grown by 32%. Revenue is forecast to grow by 25% in 2 years. Earnings is forecast to grow by 241% in the next 2 years.Buying Opportunity • May 27Now 20% undervaluedOver the last 90 days, the stock is up 11%. The fair value is estimated to be €4.21, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 11% over the last 3 years. Earnings per share has grown by 32%. Revenue is forecast to grow by 24% in 2 years. Earnings is forecast to grow by 235% in the next 2 years.Buying Opportunity • May 04Now 21% undervaluedThe stock has been flat over the last 90 days. The fair value is estimated to be €3.89, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 3.8% over the last 3 years. Earnings per share has grown by 34%. Revenue is forecast to grow by 101% in 2 years. Earnings is forecast to grow by 222% in the next 2 years.Reported Earnings • May 01First quarter 2022 earnings releasedFirst quarter 2022 results: EPS: €0.088. Revenue: €2.54b (up 34% from 1Q 2021). Net income: €707.0m (down 85% from 1Q 2021). Profit margin: 28% (down from 253% in 1Q 2021). Over the next year, revenue is forecast to grow 92%, compared to a 5.6% growth forecast for the industry in the United Kingdom.Upcoming Dividend • Apr 07Upcoming dividend of €0.12 per shareEligible shareholders must have bought the stock before 14 April 2022. Payment date: 20 April 2022. Payout ratio is a comfortable 22% and this is well supported by cash flows. Trailing yield: 4.7%. Within top quartile of British dividend payers (4.6%). In line with average of industry peers (5.2%).Valuation Update With 7 Day Price Move • Mar 14Investor sentiment improved over the past weekAfter last week's 18% share price gain to €3.02, the stock trades at a forward P/E ratio of 9x. Average forward P/E is 8x in the Banks industry in the United Kingdom. Total returns to shareholders of 3.7% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €3.57 per share.Valuation Update With 7 Day Price Move • Feb 08Investor sentiment improved over the past weekAfter last week's 16% share price gain to €3.36, the stock trades at a forward P/E ratio of 10x. Average forward P/E is 9x in the Banks industry in the United Kingdom. Total returns to shareholders of 17% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €3.41 per share.Reported Earnings • Jan 30Full year 2021 earnings: Revenues and EPS in line with analyst expectationsFull year 2021 results: EPS: €0.65 (up from €0.21 in FY 2020). Revenue: €9.44b (up 21% from FY 2020). Net income: €5.23b (up 322% from FY 2020). Profit margin: 55% (up from 16% in FY 2020). Revenue was in line with analyst estimates. Over the next year, revenue is forecast to grow 14%, compared to a 3.8% growth forecast for the banks industry in the United Kingdom. Over the last 3 years on average, earnings per share has increased by 44% per year but the company’s share price has fallen by 2% per year, which means it is significantly lagging earnings.Reported Earnings • Nov 04Third quarter 2021 earnings released: EPS €0.087 (vs €0.087 in 3Q 2020)The company reported a solid third quarter result with improved earnings and revenues, although profit margins were weaker. Third quarter 2021 results: Revenue: €2.68b (up 41% from 3Q 2020). Net income: €620.0m (up 19% from 3Q 2020). Profit margin: 23% (down from 28% in 3Q 2020). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 36% per year but the company’s share price has fallen by 13% per year, which means it is significantly lagging earnings.Upcoming Dividend • May 13Upcoming dividend of €0.022 per shareEligible shareholders must have bought the stock before 20 May 2021. Payment date: 24 May 2021. Trailing yield: 1.0%. Lower than top quartile of British dividend payers (4.1%). Lower than average of industry peers (2.1%).Reported Earnings • May 10First quarter 2021 earnings releasedFirst quarter 2021 results: Revenue: €1.89b (up 29% from 1Q 2020). Net income: €4.79b (up €4.70b from 1Q 2020). Over the last 3 years on average, earnings per share has fallen by 25% per year but the company’s share price has only fallen by 15% per year, which means it has not declined as severely as earnings.Is New 90 Day High Low • Feb 23New 90-day high: €2.41The company is up 7.0% from its price of €2.25 on 25 November 2020. The British market is up 5.0% over the last 90 days, indicating the company outperformed over that time. However, it underperformed the Banks industry, which is up 8.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €1.87 per share.Reported Earnings • Feb 01Full year 2020 earnings released: EPS €0.23 (vs €0.26 in FY 2019)The company reported a soft full year result with weaker earnings and revenues, although profit margins were improved. Full year 2020 results: Revenue: €6.49b (down 20% from FY 2019). Net income: €1.38b (down 12% from FY 2019). Profit margin: 21% (up from 19% in FY 2019). The increase in margin was driven by lower expenses. Over the last 3 years on average, earnings per share has fallen by 19% per year whereas the company’s share price has fallen by 20% per year.Is New 90 Day High Low • Jan 07New 90-day high: €2.34The company is up 34% from its price of €1.75 on 09 October 2020. The British market is up 14% over the last 90 days, indicating the company outperformed over that time. However, its price trend is similar to the Banks industry, which is also up 34% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €1.74 per share.Is New 90 Day High Low • Dec 09New 90-day high: €2.28The company is up 12% from its price of €2.04 on 10 September 2020. The British market is up 9.0% over the last 90 days, indicating the company outperformed over that time. However, it underperformed the Banks industry, which is up 31% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €1.25 per share.Is New 90 Day High Low • Nov 17New 90-day high: €2.17The company is up 9.0% from its price of €1.98 on 19 August 2020. The British market is up 6.0% over the last 90 days, indicating the company outperformed over that time. However, it underperformed the Banks industry, which is up 20% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €1.28 per share.Valuation Update With 7 Day Price Move • Nov 11Market bids up stock over the past weekAfter last week's 28% share price gain to €2.04, the stock is trading at a trailing P/E ratio of 11.8x, up from the previous P/E ratio of 9.2x. This compares to an average P/E of 11x in the Banks industry in the United Kingdom. Total return to shareholders over the past three years is a loss of 46%.Reported Earnings • Oct 30Third quarter earnings releasedOver the last 12 months the company has reported total profits of €1.03b, down 26% from the prior year. Total revenue was €6.48b over the last 12 months, down 16% from the prior year.Is New 90 Day High Low • Oct 29New 90-day low: €1.57The company is down 14% from its price of €1.82 on 31 July 2020. The British market is down 5.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is down 3.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €1.00 per share.Is New 90 Day High Low • Oct 02New 90-day low: €1.72The company is down 12% from its price of €1.96 on 03 July 2020. The British market is down 3.0% over the last 90 days, indicating the company underperformed over that time. However, it outperformed the Banks industry, which is down 17% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €1.12 per share.株主還元0ILKGB BanksGB 市場7D4.2%4.0%2.5%1Y53.2%44.7%19.4%株主還元を見る業界別リターン: 0ILK過去 1 年間で44.7 % の収益を上げたUK Banks業界を上回りました。リターン対市場: 0ILK過去 1 年間で19.4 % の収益を上げたUK市場を上回りました。価格変動Is 0ILK's price volatile compared to industry and market?0ILK volatility0ILK Average Weekly Movement4.1%Banks Industry Average Movement5.6%Market Average Movement5.7%10% most volatile stocks in GB Market11.9%10% least volatile stocks in GB Market3.1%安定した株価: 0ILK 、 UK市場と比較して、過去 3 か月間で大きな価格変動はありませんでした。時間の経過による変動: 0ILKの 週次ボラティリティ ( 4% ) は過去 1 年間安定しています。会社概要設立従業員CEO（最高経営責任者ウェブサイト190447,257Gonzalo Gortazar Rotaechewww.caixabank.comカイシャ・バンクS.A. は、その子会社とともに、スペイン、ポルトガル、および海外で、個人および法人向けに様々な銀行商品・サービスを提供している。同行は4つのセグメントを通じて事業を展開している：リテール・バンキング、ビジネス・バンキング、プライベート・バンキング、CIB部門。リテール・バンキング、プライベート・バンキング、ビジネス・バンキング、機関投資家向けバンキング、法人・投資家向けバンキング、プレミア・バンキング、インタッチ・バンキング、インターナショナル・バンキング、決済手段、貯蓄・投資商品、融資、生命保険、生命リスク保険、損害保険、伝統的な金融・独立アドバイス、ブローカー・サービス、ATM、年金基金管理、資産・富裕層向け管理、証券化ファンド管理、消費者金融、ITサービス、バックオフィス管理サービスを提供している。また、集団投資機関の運営、不動産資産の保有、ベンチャー・キャピタル会社、事業・起業イニシアチブの推進、デジタル・プロジェクトの開発、車両・設備リース、プロジェクト管理・保守・物流・調達、商品・キャッシュレス・プラットフォームのマーケティング、住宅ローン管理、デジタル・ビジネス、ホテル、商品・人の私的警備、ショッピングセンター不動産、不動産の管理・経営・開発・運営、再保険活動も行っている。同社は以前はクライテリア・カイシャコープS A.として知られ、2011年7月にカイシャバンクS.A.に社名を変更した。CaixaBank, S.A.は1904年に設立され、スペインのバレンシアに本拠を置く。もっと見るCaixaBank, S.A. 基礎のまとめCaixaBank の収益と売上を時価総額と比較するとどうか。0ILK 基礎統計学時価総額€79.67b収益（TTM）€5.71b売上高(TTM)€15.46b13.9xPER（株価収益率2.2xPBR（株価純資産倍率0ILK は割高か？公正価値と評価分析を参照収益と収入最新の決算報告書（TTM）に基づく主な収益性統計0ILK 損益計算書（TTM）収益€15.46b売上原価€0売上総利益€15.46bその他の費用€9.74b収益€5.71b直近の収益報告Mar 31, 2026次回決算日Jul 29, 2026一株当たり利益（EPS）0.82グロス・マージン100.00%純利益率36.96%有利子負債／自己資本比率146.8%0ILK の長期的なパフォーマンスは？過去の実績と比較を見る配当金4.4%現在の配当利回り63%配当性向View Valuation企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/05/23 23:09終値2026/05/22 00:00収益2026/03/31年間収益2025/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレーク本レポートを生成するために使用した分析モデルの詳細は当社のGithubページでご覧いただけます。また、レポートの使用方法に関するガイドやYoutubeのチュートリアルも掲載しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋CaixaBank, S.A. 17 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。37 アナリスト機関Javier Esteban LarioBanco de Sabadell. S.A.Jesús Gómez DominguezBanco SantanderCecilia Romero ReyesBarclays34 その他のアナリストを表示
Reported Earnings • May 05First quarter 2026 earnings released: EPS: €0.23 (vs €0.21 in 1Q 2025)First quarter 2026 results: EPS: €0.23 (up from €0.21 in 1Q 2025). Revenue: €3.93b (up 2.7% from 1Q 2025). Net income: €1.57b (up 6.9% from 1Q 2025). Profit margin: 40% (up from 38% in 1Q 2025). Revenue is forecast to grow 9.0% p.a. on average during the next 3 years, compared to a 6.5% growth forecast for the Banks industry in the United Kingdom. Over the last 3 years on average, earnings per share has increased by 20% per year but the company’s share price has increased by 48% per year, which means it is tracking significantly ahead of earnings growth.
Upcoming Dividend • Mar 31Upcoming dividend of €0.27 per shareEligible shareholders must have bought the stock before 07 April 2026. Payment date: 09 April 2026. Payout ratio is a comfortable 63% but the company is paying out more than the cash it is generating. Trailing yield: 4.9%. Lower than top quartile of British dividend payers (6.0%). Higher than average of industry peers (4.4%).
お知らせ • Feb 20CaixaBank, S.A., Annual General Meeting, Mar 26, 2026CaixaBank, S.A., Annual General Meeting, Mar 26, 2026. Location: palacio de congresos de valencia, avenida de las cortes valencianas 60., valencia Spain
Buy Or Sell Opportunity • Feb 12Now 21% undervaluedOver the last 90 days, the stock has risen 12% to €10.51. The fair value is estimated to be €13.32, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 13% over the last 3 years. Earnings per share has grown by 25%. For the next 3 years, revenue is forecast to grow by 8.0% per annum. Earnings are also forecast to grow by 7.7% per annum over the same time period.
Reported Earnings • Feb 01Full year 2025 earnings released: EPS: €0.83 (vs €0.76 in FY 2024)Full year 2025 results: EPS: €0.83 (up from €0.76 in FY 2024). Revenue: €15.3b (up 3.3% from FY 2024). Net income: €5.89b (up 6.7% from FY 2024). Profit margin: 39% (up from 37% in FY 2024). The increase in margin was driven by higher revenue. Cost-to-income ratio: 39.4% (up from 38.5% in FY 2024). Non-performing loans: 2.04% (down from 2.68% in FY 2024). Revenue is forecast to grow 7.8% p.a. on average during the next 3 years, compared to a 5.7% growth forecast for the Banks industry in the United Kingdom. Over the last 3 years on average, earnings per share has increased by 25% per year but the company’s share price has increased by 42% per year, which means it is tracking significantly ahead of earnings growth.
お知らせ • Dec 24CaixaBank, S.A. to Report Q4, 2025 Results on Jan 30, 2026CaixaBank, S.A. announced that they will report Q4, 2025 results on Jan 30, 2026
Reported Earnings • May 05First quarter 2026 earnings released: EPS: €0.23 (vs €0.21 in 1Q 2025)First quarter 2026 results: EPS: €0.23 (up from €0.21 in 1Q 2025). Revenue: €3.93b (up 2.7% from 1Q 2025). Net income: €1.57b (up 6.9% from 1Q 2025). Profit margin: 40% (up from 38% in 1Q 2025). Revenue is forecast to grow 9.0% p.a. on average during the next 3 years, compared to a 6.5% growth forecast for the Banks industry in the United Kingdom. Over the last 3 years on average, earnings per share has increased by 20% per year but the company’s share price has increased by 48% per year, which means it is tracking significantly ahead of earnings growth.
Upcoming Dividend • Mar 31Upcoming dividend of €0.27 per shareEligible shareholders must have bought the stock before 07 April 2026. Payment date: 09 April 2026. Payout ratio is a comfortable 63% but the company is paying out more than the cash it is generating. Trailing yield: 4.9%. Lower than top quartile of British dividend payers (6.0%). Higher than average of industry peers (4.4%).
お知らせ • Feb 20CaixaBank, S.A., Annual General Meeting, Mar 26, 2026CaixaBank, S.A., Annual General Meeting, Mar 26, 2026. Location: palacio de congresos de valencia, avenida de las cortes valencianas 60., valencia Spain
Buy Or Sell Opportunity • Feb 12Now 21% undervaluedOver the last 90 days, the stock has risen 12% to €10.51. The fair value is estimated to be €13.32, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 13% over the last 3 years. Earnings per share has grown by 25%. For the next 3 years, revenue is forecast to grow by 8.0% per annum. Earnings are also forecast to grow by 7.7% per annum over the same time period.
Reported Earnings • Feb 01Full year 2025 earnings released: EPS: €0.83 (vs €0.76 in FY 2024)Full year 2025 results: EPS: €0.83 (up from €0.76 in FY 2024). Revenue: €15.3b (up 3.3% from FY 2024). Net income: €5.89b (up 6.7% from FY 2024). Profit margin: 39% (up from 37% in FY 2024). The increase in margin was driven by higher revenue. Cost-to-income ratio: 39.4% (up from 38.5% in FY 2024). Non-performing loans: 2.04% (down from 2.68% in FY 2024). Revenue is forecast to grow 7.8% p.a. on average during the next 3 years, compared to a 5.7% growth forecast for the Banks industry in the United Kingdom. Over the last 3 years on average, earnings per share has increased by 25% per year but the company’s share price has increased by 42% per year, which means it is tracking significantly ahead of earnings growth.
お知らせ • Dec 24CaixaBank, S.A. to Report Q4, 2025 Results on Jan 30, 2026CaixaBank, S.A. announced that they will report Q4, 2025 results on Jan 30, 2026
Reported Earnings • Nov 01Third quarter 2025 earnings releasedThird quarter 2025 results: Revenue: €3.80b (down 12% from 3Q 2024). Net income: €1.45b (down 8.1% from 3Q 2024). Profit margin: 38% (up from 36% in 3Q 2024). The increase in margin was driven by lower expenses. Revenue is forecast to grow 6.8% p.a. on average during the next 3 years, compared to a 5.8% growth forecast for the Banks industry in the United Kingdom.
お知らせ • Sep 16CaixaBank, S.A. to Report Q3, 2025 Results on Oct 31, 2025CaixaBank, S.A. announced that they will report Q3, 2025 results at 9:00 AM, Central European Standard Time on Oct 31, 2025
Reported Earnings • Jul 31Second quarter 2025 earnings released: EPS: €0.21 (vs €0.23 in 2Q 2024)Second quarter 2025 results: EPS: €0.21 (down from €0.23 in 2Q 2024). Revenue: €3.83b (up 31% from 2Q 2024). Net income: €1.48b (down 11% from 2Q 2024). Profit margin: 39% (down from 57% in 2Q 2024). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 5.9% p.a. on average during the next 3 years, compared to a 5.6% growth forecast for the Banks industry in the United Kingdom. Over the last 3 years on average, earnings per share has increased by 32% per year but the company’s share price has increased by 41% per year, which means it is tracking significantly ahead of earnings growth.
Buy Or Sell Opportunity • Jul 10Now 20% undervaluedOver the last 90 days, the stock has risen 19% to €7.61. The fair value is estimated to be €9.54, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 17% over the last 3 years. Earnings per share has grown by 40%. Revenue is forecast to grow by 12% in 2 years. Earnings are forecast to decline by 6.2% in the next 2 years.
New Risk • Jul 06New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 0.6% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 0.6% per year for the foreseeable future. Minor Risk Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past.
New Risk • Jun 25New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 0.6% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 0.6% per year for the foreseeable future. Minor Risk Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past.
お知らせ • Jun 10Portuguese Bank Novo Banco Reportedly Attracts Multiple BidsNovo Banco, S.A., the Portuguese bank lead by former AIB chief financial officer Mark Bourke, has attracted two bids from French banking group BPCE S.A. and CaixaBank, S.A. (BME:CABK) of Spain, according to people familiar with the matter. Lone Star, the US private equity giant which owns Novo Banco, could sell the lender outright but is also evaluating whether to offload shares through an initial public offering, said the people, who asked not to be identified as the discussions are private. A preliminary decision on a winning bidder or the IPO route could be made as early as this week, the people said. Representatives for BPCE, CaixaBank and Lone Star declined to comment. US private equity firm Lone Star owns a 75% stake in Novo Banco, while Portugal's government holds 25% through entities including the country's Resolution Fund. An acquisition of Novo Banco by BPCE, whose units include Banque Populaire and Natixis, or CaixaBank would be an important mark for cross-border banking deals in Europe. Governments in the region have recently hampered potential deals Spain has been opposing the planned takeover of Banco Sabadell by BBVA, Italy is seeking to obstruct the purchase of Banco BPM by UniCredit, and Germany has said it s against a potential acquisition of Commerzbank by UniCredit. Portuguese finance minister Joaquim Miranda Sarmento said in May that Spanish banks shouldn't further increase their presence in the country. Spanish lenders now already represent about a third of Portugal's banking market, he said in a television interview. I think that value shouldn't increase, due to a matter of concentration and of dependency, he said. The Portuguese bank has repeatedly said it s preparing for an IPO. If Lone Star picks that option, Novo Banco may be Portugal s first major flotation in four years and the biggest since the listing of EDP Renovaveis in 2008. Finance minister Sarmento said in January that Lone Star planned to sell a stake of about 25% to 30% of Novo Banco in a flotation. Novo Banco's flotation could raise EUR 1 billion or more depending on investor demand. The lender picked Bank of America, Deutsche Bank and JPMorgan Chase as global coordinators for the first-time share sale. Lone Star also lined up Deutsche Bank to guide discussions with potential buyers of Novo Banco.
Buy Or Sell Opportunity • May 23Now 22% undervaluedOver the last 90 days, the stock has risen 15% to €7.44. The fair value is estimated to be €9.48, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 17% over the last 3 years. Earnings per share has grown by 40%. Revenue is forecast to grow by 11% in 2 years. Earnings are forecast to decline by 7.1% in the next 2 years.
New Risk • May 02New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 1.4% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 1.4% per year for the foreseeable future. Minor Risk Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past.
New Risk • Apr 23New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 0.3% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 0.3% per year for the foreseeable future. Minor Risk Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past.
Upcoming Dividend • Apr 15Upcoming dividend of €0.23 per shareEligible shareholders must have bought the stock before 22 April 2025. Payment date: 24 April 2025. Payout ratio is a comfortable 57% and this is well supported by cash flows. Trailing yield: 8.6%. Within top quartile of British dividend payers (6.3%). Higher than average of industry peers (5.2%).
Valuation Update With 7 Day Price Move • Apr 07Investor sentiment deteriorates as stock falls 16%After last week's 16% share price decline to €5.98, the stock trades at a forward P/E ratio of 8x. Average forward P/E is 7x in the Banks industry in the United Kingdom. Total returns to shareholders of 122% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €10.22 per share.
Buy Or Sell Opportunity • Mar 20Now 21% undervaluedOver the last 90 days, the stock has risen 43% to €7.23. The fair value is estimated to be €9.15, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 17% over the last 3 years. Earnings per share has grown by 27%. For the next 3 years, revenue is forecast to grow by 2.9% per annum. Earnings are forecast to decline by 0.3% per annum over the same time period.
お知らせ • Feb 21CaixaBank, S.A., Annual General Meeting, Apr 10, 2025CaixaBank, S.A., Annual General Meeting, Apr 10, 2025. Location: palacio de congresos, avenida de las cortes valencianas 60, valencia Spain
Reported Earnings • Jan 31Full year 2024 earnings released: EPS: €0.80 (vs €0.61 in FY 2023)Full year 2024 results: EPS: €0.80 (up from €0.61 in FY 2023). Revenue: €14.8b (up 14% from FY 2023). Net income: €5.79b (up 28% from FY 2023). Profit margin: 39% (up from 35% in FY 2023). The increase in margin was driven by higher revenue. Revenue is forecast to grow 2.9% p.a. on average during the next 3 years, compared to a 4.0% growth forecast for the Banks industry in the United Kingdom. Over the last 3 years on average, earnings per share has increased by 28% per year but the company’s share price has only increased by 23% per year, which means it is significantly lagging earnings growth.
お知らせ • Jan 17Alexandre Hotels acquired Inversiones Inmobiliarias Teguise Resort Sociedad Limitada from CaixaBank, S.A. (BME:CABK) and Metrópolis Seguros S.A.Alexandre Hotels acquired Inversiones Inmobiliarias Teguise Resort Sociedad Limitada from CaixaBank, S.A. (BME:CABK) and Metrópolis Seguros S.A on January 16, 2025. CBRE has advised in this transaction. Alexandre Hotels completed the acquisition of Inversiones Inmobiliarias Teguise Resort Sociedad Limitada from CaixaBank, S.A. (BME:CABK) and Metrópolis Seguros S.A on January 16, 2025.
お知らせ • Dec 18Spain Reportedly Hires Bank of America for CaixaBank Trading PlanSpain’s bank resolution authority hired Bank of America Corp. to help sell some of its shares in CaixaBank, S.A. (BME:CABK) and neutralize the impact of buybacks that would otherwise increase its stake. The US firm is managing a so-called dribble-out trading program, people familiar with the matter said, asking not to be named because the details are private. Economy minister Carlos Cuerpo has said he wants to keep the government’s stake in CaixaBank at around 18%. Spokespeople for BofA, CaixaBank and FROB, the Spanish bank resolution authority, declined to comment. Spain has trailed other European countries over the past two years in selling down stakes in the banking sector held since the financial crisis. Greece effectively privatized the entire industry when it exited three of the country’s biggest lenders and largely divested its holding in a fourth. Spain’s has owned the stake in CaixaBank since the lender merged with state-backed Bankia in 2021. The government has given itself until the end of 2025 to exit the investment, a deadline it previously extended. The state doesn’t plan to exit the holding for now to maximize returns, but doesn’t want to increase its ownership further, economy minister Carlos Cuerpo said last month. FROB’s remaining stake in CaixaBank is currently worth around €6.6 billion ($6.9 billion). Bank of America’s appointment comes just weeks after CaixaBank launched a new €500 million repurchase program.
お知らせ • Oct 17Interparking SA agreed to acquire 81.5% stake in Saba Aparcamientos S.A.Interparking SA agreed to acquire 81.5% stake in Saba Aparcamientos S.A on October 16, 2024. The agreement reached provides that Criteria Caixa has the right to propose the appointment of two members of the board of directors of Interparking. Criteria, with 18% of the capital, will no longer be the group's main shareholder, but the two main investors will remain the current ones: AG Insurance (through its subsidiary AG Real Estate) and APG. The process has been delayed on several occasions for various reasons. It started in June 2022 when Criteria, which holds 99.5% of the shares, began talks to find a buyer. Post completion of the acquisition, the newly formed Interparking Group will be headquartered in Brussels and operate across 16 countries, AG will maintain majority control of it. Saba closed the 2023 financial year with a turnover of €308 million, 13% more than the previous year, and an EBITDA of €144 million. The closing of this transaction is subject to the usual conditions, including the approval of the European competition authorities among other customary conditions. BNP Paribas España S.A., Jefferies LLC act as financial advisor Linklaters LLP (France) and Freshfields Bruckhaus Deringer LLP act as legal advisor for Interparking SA . Uría Menéndez Abogados, S.L.P. act as legal advisor and Bank of America (Espana) SA act as financial advisor for CaixaBank, S.A.
Reported Earnings • Aug 01Second quarter 2024 earnings released: EPS: €0.23 (vs €0.17 in 2Q 2023)Second quarter 2024 results: EPS: €0.23 (up from €0.17 in 2Q 2023). Revenue: €3.94b (up 18% from 2Q 2023). Net income: €1.67b (up 30% from 2Q 2023). Profit margin: 42% (up from 39% in 2Q 2023). The increase in margin was driven by higher revenue. Revenue is forecast to grow 2.2% p.a. on average during the next 3 years, compared to a 3.9% growth forecast for the Banks industry in the United Kingdom. Over the last 3 years on average, earnings per share has increased by 1% per year but the company’s share price has increased by 28% per year, which means it is tracking significantly ahead of earnings growth.
New Risk • Jul 30New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 0.05% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 0.05% per year for the foreseeable future. Minor Risk Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past.
New Risk • Jul 16New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 0.02% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 0.02% per year for the foreseeable future. Minor Risk Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past.
New Risk • Jul 13New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 0.2% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 0.2% per year for the foreseeable future. Minor Risk Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past.
New Risk • Apr 30New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 1.8% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 1.8% per year for the foreseeable future. Minor Risk Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past.
Reported Earnings • Apr 30First quarter 2024 earnings releasedFirst quarter 2024 results: Revenue: €3.22b (flat on 1Q 2023). Net income: €1.01b (up 18% from 1Q 2023). Profit margin: 31% (up from 27% in 1Q 2023). Revenue is forecast to grow 2.2% p.a. on average during the next 3 years, compared to a 3.8% growth forecast for the Banks industry in the United Kingdom.
お知らせ • Apr 19Criteria in Talks with Potential Investor in Energy Group NaturgySpanish holding vehicle Criteria Caixa, S.A. is in discussions with an investor group that has been talking to some of Spanish energy provider Naturgy Energy Group, S.A.'s (BME:NTGY) core shareholders over a possible partnership agreement, Criteria said on April 16, 2024. Earlier, newspaper Cinco Dias cited unidentified market sources as saying that Abu Dhabi's TAQA Arabia S.A.E. (CASE:TAQA) was in discussion with Naturgy's three largest shareholders, including Criteria, over a possible takeover. Criteria said it was not part of the talks between the third party and other Naturgy shareholders, and could not provide any information in this respect. The discussions with an investor, which it did not identify, were at "a preliminary stage and it is not possible to predict the outcome," it said. According to Cinco Dias, the negotiations, involving TAQA, Criteria and private equity investment funds CVC Capital Partners Limited and Global Infrastructure Management, LLC, started over a month ago with the knowledge of the Spanish government. Criteria, which is the main shareholder in lender CaixaBank, S.A. (BME:CABK), owns a 26.7% stake in Naturgy. GIP and CVC each own around 20%. Naturgy declined to comment. TAQA did not immediately respond to an emailed request for comment. CVC declined to comment and GIP had no immediately response. If the newspaper report is correct, TAQA would have to launch a full takeover bid for the whole company, as Spanish legislation requires a mandatory tender offer when a buyer wants to acquire more than 30% of any publicly traded company.
Declared Dividend • Mar 24Dividend of €0.32 announcedShareholders will receive a dividend of €0.32. Ex-date: 28th March 2024 Payment date: 3rd April 2024 Dividend yield will be 6.7%, which is about the same as the industry average. Sustainability & Growth Dividend is covered by earnings (65% payout ratio) and is expected to be covered in 3 years' time (62% forecast payout ratio). The dividend has increased by an average of 5.5% per year over the past 10 years. However, payments have been volatile during that time. EPS is expected to grow by 2.2% over the next 3 years, which should provide support to the dividend and adequate earnings cover.
お知らせ • Mar 19Fosun International Reportedly Open to Sale of Stake in MillenniumFosun International Limited (SEHK:656) is open to selling its remaining stake in Portugal's Millennium bcp (Banco Comercial Português, S.A. (ENXTLS:BCP)) after disposing of some shares earlier this year, two sources familiar with the matter told Reuters. The Chinese conglomerate, which aims to boost its working capital amid what analysts see as debt pressure, has been evaluating options, such as finding a strategic buyer for the 20% holding, one of the sources said, speaking on condition of anonymity. The stake was worth around EUR 836 million ($910 million) on March 18, 2024, according to LSEG data. European lenders including Spain's Banco Bilbao Vizcaya Argentaria, S.A. (BME:BBVA) and CaixaBank, S.A. (BME:CABK) have been sounded out as potential buyers, the second source said. However, CaixaBank has indicated it has little interest in acquiring the stake, that source and a third one familiar with the lender's thinking said. Fosun did not respond to a request for comment. Millennium bcp, BBVA, and Caixabank declined to comment. In January, Fosun sold 5.6% of Portugal's largest listed bank for EUR 235 million in a private offering to institutional investors arranged by UBS. A spokesperson for the Chinese group said at the time that it planned to retain a stake above 20%. Fosun is the largest single shareholder in Millennium bcp, followed by Angolan state oil company Sonangol with 19.49%.
Reported Earnings • Feb 22Full year 2023 earnings released: EPS: €0.61 (vs €0.37 in FY 2022)Full year 2023 results: EPS: €0.61 (up from €0.37 in FY 2022). Revenue: €12.9b (up 27% from FY 2022). Net income: €4.54b (up 58% from FY 2022). Profit margin: 35% (up from 28% in FY 2022). The increase in margin was driven by higher revenue. Net interest margin (NIM): 1.92% (up from 1.09% in FY 2022). Cost-to-income ratio: 38.4% (down from 48.0% in FY 2022). Non-performing loans: 2.82% (up from 2.76% in FY 2022). Revenue is forecast to grow 3.2% p.a. on average during the next 3 years, compared to a 1.1% growth forecast for the Banks industry in the United Kingdom. Over the last 3 years on average, earnings per share has fallen by 4% per year but the company’s share price has increased by 18% per year, which means it is well ahead of earnings.
お知らせ • Feb 17CaixaBank, S.A., Annual General Meeting, Mar 22, 2024CaixaBank, S.A., Annual General Meeting, Mar 22, 2024, at 11:00 Central European Standard Time. Location: Palacio de Congresos de València, Avenida de las Cortes Valencianas, 60, in the city of València Valencia Italy
New Risk • Feb 06New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 1.5% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 1.5% per year for the foreseeable future. Minor Risk Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past.
Reported Earnings • Feb 02Full year 2023 earnings released: EPS: €0.64 (vs €0.37 in FY 2022)Full year 2023 results: EPS: €0.64 (up from €0.37 in FY 2022). Revenue: €13.1b (up 23% from FY 2022). Net income: €4.82b (up 67% from FY 2022). Profit margin: 37% (up from 27% in FY 2022). The increase in margin was driven by higher revenue. Revenue is forecast to grow 2.9% p.a. on average during the next 3 years, while revenues in the Banks industry in the United Kingdom are expected to remain flat. Over the last 3 years on average, earnings per share has fallen by 3% per year but the company’s share price has increased by 21% per year, which means it is well ahead of earnings.
お知らせ • Nov 12CaixaBank, S.A. to Report Q4, 2023 Results on Feb 02, 2024CaixaBank, S.A. announced that they will report Q4, 2023 results on Feb 02, 2024
Reported Earnings • May 06First quarter 2023 earnings released: EPS: €0.11 (vs €0.12 in 1Q 2022)First quarter 2023 results: EPS: €0.11. Revenue: €2.83b (up 11% from 1Q 2022). Net income: €855.0m (up 21% from 1Q 2022). Profit margin: 30% (up from 28% in 1Q 2022). The increase in margin was driven by higher revenue. Revenue is forecast to grow 5.3% p.a. on average during the next 3 years, compared to a 2.0% growth forecast for the Banks industry in the United Kingdom.
Buying Opportunity • Mar 13Now 20% undervaluedOver the last 90 days, the stock is up 13%. The fair value is estimated to be €4.72, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 14% over the last 3 years. Earnings per share has grown by 19%. For the next 3 years, revenue is forecast to grow by 8.8% per annum. Earnings is also forecast to grow by 11% per annum over the same time period.
Reported Earnings • Feb 05Full year 2022 earnings releasedFull year 2022 results: Revenue: €10.5b (up 13% from FY 2021). Net income: €3.15b (down 37% from FY 2021). Profit margin: 30% (down from 53% in FY 2021). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 9.8% p.a. on average during the next 3 years, compared to a 5.6% growth forecast for the Banks industry in the United Kingdom.
Buying Opportunity • Nov 11Now 20% undervaluedOver the last 90 days, the stock is up 3.3%. The fair value is estimated to be €3.94, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 13% over the last 3 years. Earnings per share has grown by 28%. For the next 3 years, revenue is forecast to grow by 7.3% per annum. Earnings is also forecast to grow by 9.4% per annum over the same time period.
Reported Earnings • Oct 30Third quarter 2022 earnings releasedThird quarter 2022 results: Revenue: €2.81b (up 5.4% from 3Q 2021). Net income: €1.03b (up 65% from 3Q 2021). Profit margin: 37% (up from 23% in 3Q 2021). The increase in margin was primarily driven by lower expenses. Revenue is forecast to grow 6.4% p.a. on average during the next 3 years, compared to a 5.8% growth forecast for the Banks industry in the United Kingdom.
Buying Opportunity • Oct 28Now 22% undervaluedOver the last 90 days, the stock is up 13%. The fair value is estimated to be €4.23, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 11% over the last 3 years. Earnings per share has grown by 29%. For the next 3 years, revenue is forecast to grow by 7.1% per annum. Earnings is also forecast to grow by 10.0% per annum over the same time period.
Valuation Update With 7 Day Price Move • Sep 12Investor sentiment improved over the past weekAfter last week's 16% share price gain to €3.49, the stock trades at a forward P/E ratio of 9x. Average forward P/E is 6x in the Banks industry in the United Kingdom. Total returns to shareholders of 53% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €4.88 per share.
Reported Earnings • Jul 29Second quarter 2022 earnings released: EPS: €0.11 (vs €0.075 loss in 2Q 2021)Second quarter 2022 results: EPS: €0.11 (up from €0.075 loss in 2Q 2021). Revenue: €2.85b (up 7.1% from 2Q 2021). Net income: €866.0m (up €1.47b from 2Q 2021). Profit margin: 30% (up from net loss in 2Q 2021). Over the next year, revenue is forecast to grow 93%, compared to a 6.4% growth forecast for the industry in the United Kingdom. Over the last 3 years on average, earnings per share has increased by 27% per year but the company’s share price has only increased by 9% per year, which means it is significantly lagging earnings growth.
Valuation Update With 7 Day Price Move • Jul 06Investor sentiment deteriorated over the past weekAfter last week's 17% share price decline to €2.88, the stock trades at a forward P/E ratio of 9x. Average forward P/E is 6x in the Banks industry in the United Kingdom. Total returns to shareholders of 18% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €4.07 per share.
Buying Opportunity • Jun 23Now 23% undervaluedOver the last 90 days, the stock is up 12%. The fair value is estimated to be €4.40, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 11% over the last 3 years. Earnings per share has grown by 32%. Revenue is forecast to grow by 25% in 2 years. Earnings is forecast to grow by 241% in the next 2 years.
Buying Opportunity • May 27Now 20% undervaluedOver the last 90 days, the stock is up 11%. The fair value is estimated to be €4.21, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 11% over the last 3 years. Earnings per share has grown by 32%. Revenue is forecast to grow by 24% in 2 years. Earnings is forecast to grow by 235% in the next 2 years.
Buying Opportunity • May 04Now 21% undervaluedThe stock has been flat over the last 90 days. The fair value is estimated to be €3.89, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 3.8% over the last 3 years. Earnings per share has grown by 34%. Revenue is forecast to grow by 101% in 2 years. Earnings is forecast to grow by 222% in the next 2 years.
Reported Earnings • May 01First quarter 2022 earnings releasedFirst quarter 2022 results: EPS: €0.088. Revenue: €2.54b (up 34% from 1Q 2021). Net income: €707.0m (down 85% from 1Q 2021). Profit margin: 28% (down from 253% in 1Q 2021). Over the next year, revenue is forecast to grow 92%, compared to a 5.6% growth forecast for the industry in the United Kingdom.
Upcoming Dividend • Apr 07Upcoming dividend of €0.12 per shareEligible shareholders must have bought the stock before 14 April 2022. Payment date: 20 April 2022. Payout ratio is a comfortable 22% and this is well supported by cash flows. Trailing yield: 4.7%. Within top quartile of British dividend payers (4.6%). In line with average of industry peers (5.2%).
Valuation Update With 7 Day Price Move • Mar 14Investor sentiment improved over the past weekAfter last week's 18% share price gain to €3.02, the stock trades at a forward P/E ratio of 9x. Average forward P/E is 8x in the Banks industry in the United Kingdom. Total returns to shareholders of 3.7% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €3.57 per share.
Valuation Update With 7 Day Price Move • Feb 08Investor sentiment improved over the past weekAfter last week's 16% share price gain to €3.36, the stock trades at a forward P/E ratio of 10x. Average forward P/E is 9x in the Banks industry in the United Kingdom. Total returns to shareholders of 17% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €3.41 per share.
Reported Earnings • Jan 30Full year 2021 earnings: Revenues and EPS in line with analyst expectationsFull year 2021 results: EPS: €0.65 (up from €0.21 in FY 2020). Revenue: €9.44b (up 21% from FY 2020). Net income: €5.23b (up 322% from FY 2020). Profit margin: 55% (up from 16% in FY 2020). Revenue was in line with analyst estimates. Over the next year, revenue is forecast to grow 14%, compared to a 3.8% growth forecast for the banks industry in the United Kingdom. Over the last 3 years on average, earnings per share has increased by 44% per year but the company’s share price has fallen by 2% per year, which means it is significantly lagging earnings.
Reported Earnings • Nov 04Third quarter 2021 earnings released: EPS €0.087 (vs €0.087 in 3Q 2020)The company reported a solid third quarter result with improved earnings and revenues, although profit margins were weaker. Third quarter 2021 results: Revenue: €2.68b (up 41% from 3Q 2020). Net income: €620.0m (up 19% from 3Q 2020). Profit margin: 23% (down from 28% in 3Q 2020). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 36% per year but the company’s share price has fallen by 13% per year, which means it is significantly lagging earnings.
Upcoming Dividend • May 13Upcoming dividend of €0.022 per shareEligible shareholders must have bought the stock before 20 May 2021. Payment date: 24 May 2021. Trailing yield: 1.0%. Lower than top quartile of British dividend payers (4.1%). Lower than average of industry peers (2.1%).
Reported Earnings • May 10First quarter 2021 earnings releasedFirst quarter 2021 results: Revenue: €1.89b (up 29% from 1Q 2020). Net income: €4.79b (up €4.70b from 1Q 2020). Over the last 3 years on average, earnings per share has fallen by 25% per year but the company’s share price has only fallen by 15% per year, which means it has not declined as severely as earnings.
Is New 90 Day High Low • Feb 23New 90-day high: €2.41The company is up 7.0% from its price of €2.25 on 25 November 2020. The British market is up 5.0% over the last 90 days, indicating the company outperformed over that time. However, it underperformed the Banks industry, which is up 8.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €1.87 per share.
Reported Earnings • Feb 01Full year 2020 earnings released: EPS €0.23 (vs €0.26 in FY 2019)The company reported a soft full year result with weaker earnings and revenues, although profit margins were improved. Full year 2020 results: Revenue: €6.49b (down 20% from FY 2019). Net income: €1.38b (down 12% from FY 2019). Profit margin: 21% (up from 19% in FY 2019). The increase in margin was driven by lower expenses. Over the last 3 years on average, earnings per share has fallen by 19% per year whereas the company’s share price has fallen by 20% per year.
Is New 90 Day High Low • Jan 07New 90-day high: €2.34The company is up 34% from its price of €1.75 on 09 October 2020. The British market is up 14% over the last 90 days, indicating the company outperformed over that time. However, its price trend is similar to the Banks industry, which is also up 34% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €1.74 per share.
Is New 90 Day High Low • Dec 09New 90-day high: €2.28The company is up 12% from its price of €2.04 on 10 September 2020. The British market is up 9.0% over the last 90 days, indicating the company outperformed over that time. However, it underperformed the Banks industry, which is up 31% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €1.25 per share.
Is New 90 Day High Low • Nov 17New 90-day high: €2.17The company is up 9.0% from its price of €1.98 on 19 August 2020. The British market is up 6.0% over the last 90 days, indicating the company outperformed over that time. However, it underperformed the Banks industry, which is up 20% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €1.28 per share.
Valuation Update With 7 Day Price Move • Nov 11Market bids up stock over the past weekAfter last week's 28% share price gain to €2.04, the stock is trading at a trailing P/E ratio of 11.8x, up from the previous P/E ratio of 9.2x. This compares to an average P/E of 11x in the Banks industry in the United Kingdom. Total return to shareholders over the past three years is a loss of 46%.
Reported Earnings • Oct 30Third quarter earnings releasedOver the last 12 months the company has reported total profits of €1.03b, down 26% from the prior year. Total revenue was €6.48b over the last 12 months, down 16% from the prior year.
Is New 90 Day High Low • Oct 29New 90-day low: €1.57The company is down 14% from its price of €1.82 on 31 July 2020. The British market is down 5.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is down 3.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €1.00 per share.
Is New 90 Day High Low • Oct 02New 90-day low: €1.72The company is down 12% from its price of €1.96 on 03 July 2020. The British market is down 3.0% over the last 90 days, indicating the company underperformed over that time. However, it outperformed the Banks industry, which is down 17% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €1.12 per share.
