View Future GrowthCaixaBank 過去の業績過去 基準チェック /26CaixaBankは、平均年間9%の収益成長を遂げていますが、 Banks業界の収益は、年間 成長しています。収益は、平均年間19.9% 12.4%収益成長率で 成長しています。 CaixaBankの自己資本利益率は16.2%であり、純利益率は37%です。主要情報8.96%収益成長率8.97%EPS成長率Banks 業界の成長21.39%収益成長率12.43%株主資本利益率16.22%ネット・マージン36.96%次回の業績アップデート29 Jul 2026最近の業績更新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 6.4% growth forecast for the Banks industry in Italy. 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.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 5.3% growth forecast for the Banks industry in Italy. 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 02Third 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 5.1% growth forecast for the Banks industry in Italy.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 2.6% growth forecast for the Banks industry in Italy. 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.すべての更新を表示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 6.4% growth forecast for the Banks industry in Italy. 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%. Within top quartile of Italian dividend payers (4.8%). Lower than average of industry peers (6.8%).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 13% to €10.51. The fair value is estimated to be €13.36, 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 5.3% growth forecast for the Banks industry in Italy. 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 02Third 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 5.1% growth forecast for the Banks industry in Italy.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 2.6% growth forecast for the Banks industry in Italy. 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.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 • Jun 04Now 21% undervaluedOver the last 90 days, the stock has risen 4.2% to €7.39. The fair value is estimated to be €9.34, 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.Reported Earnings • May 02First quarter 2025 earnings released: EPS: €0.21 (vs €0.14 in 1Q 2024)First quarter 2025 results: EPS: €0.21 (up from €0.14 in 1Q 2024). Revenue: €3.83b (up 2.4% from 1Q 2024). Net income: €1.47b (up 46% from 1Q 2024). Profit margin: 38% (up from 27% in 1Q 2024). The increase in margin was primarily driven by lower expenses. Revenue is forecast to grow 4.0% p.a. on average during the next 3 years, compared to a 2.3% growth forecast for the Banks industry in Italy. Over the last 3 years on average, earnings per share has increased by 40% per year but the company’s share price has only increased by 31% per year, which means it is significantly lagging earnings growth.New Risk • Apr 23New 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.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 Italian dividend payers (6.1%). In line with average of industry peers (8.0%).Valuation Update With 7 Day Price Move • Apr 07Investor sentiment deteriorates as stock falls 17%After last week's 17% 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 Italy. Total returns to shareholders of 124% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €9.91 per share.Buy Or Sell Opportunity • Mar 31Now 20% undervaluedOver the last 90 days, the stock has risen 38% to €7.20. The fair value is estimated to be €9.02, 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 3.0% per annum. Earnings are forecast to decline by 0.06% per annum over the same time period.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.収支内訳CaixaBank の稼ぎ方とお金の使い方。LTMベースの直近の報告された収益に基づく。収益と収入の歴史BIT:1CABK 収益、費用、利益 ( )EUR Millions日付収益収益G+A経費研究開発費31 Mar 2615,4575,7136,452031 Dec 2515,3555,6116,380030 Sep 2515,0535,6686,311030 Jun 2515,5715,7966,226031 Mar 2514,9105,9846,148031 Dec 2414,8205,5196,076030 Sep 2414,0485,1265,958030 Jun 2413,8155,0755,894031 Mar 2413,8474,6875,054031 Dec 2312,9254,5375,760030 Sep 2312,3594,0564,992030 Jun 2310,9543,4304,896031 Mar 2311,4823,0316,035031 Dec 2210,1832,8665,506030 Sep 229,8172,6487,785030 Jun 229,7992,4816,045031 Mar 229,4169017,224031 Dec 219,3454,9807,294030 Sep 2110,3055,3134,869030 Jun 219,5065,1066,374031 Mar 218,7645,9344,406031 Dec 207,7381,2384,541030 Sep 206,5431,0324,622030 Jun 206,6961,1544,671031 Mar 207,5991,1294,718031 Dec 198,0801,5724,188030 Sep 197,7431,4554,749030 Jun 197,7431,2814,722031 Mar 197,5901,7864,673031 Dec 187,7571,9574,618030 Sep 187,5401,9404,670030 Jun 187,5262,1194,635031 Mar 187,7721,9614,605031 Dec 177,0251,6604,546030 Sep 176,8881,5664,302030 Jun 176,4531,2494,170031 Mar 176,1141,1784,044031 Dec 166,2951,0483,956030 Sep 166,8087913,953030 Jun 166,5827473,971031 Mar 166,2787153,990031 Dec 155,5198174,022030 Sep 154,8309833,979030 Jun 154,6639233,9040質の高い収益: 1CABKは 高品質の収益 を持っています。利益率の向上: 1CABKの現在の純利益率 (37%)は、昨年(40.1%)よりも低くなっています。フリー・キャッシュフローと収益の比較過去の収益成長分析収益動向: 1CABKの収益は過去 5 年間で年間9%増加しました。成長の加速: 1CABKは過去 1 年間の収益成長がマイナスであったため、5 年間の平均と比較することはできません。収益対業界: 1CABKは過去 1 年間で収益成長率がマイナス ( -4.5% ) となったため、 Banks業界平均 ( 5.4% ) と比較することが困難です。株主資本利益率高いROE: 1CABKの 自己資本利益率 ( 16.2% ) は 低い とみなされます。総資産利益率使用総資本利益率過去の好業績企業の発掘7D1Y7D1Y7D1YBanks 、過去の業績が好調な企業。View Financial Health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2026/05/24 12:08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 6.4% growth forecast for the Banks industry in Italy. 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.
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 5.3% growth forecast for the Banks industry in Italy. 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 02Third 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 5.1% growth forecast for the Banks industry in Italy.
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 2.6% growth forecast for the Banks industry in Italy. 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.
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 6.4% growth forecast for the Banks industry in Italy. 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%. Within top quartile of Italian dividend payers (4.8%). Lower than average of industry peers (6.8%).
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 13% to €10.51. The fair value is estimated to be €13.36, 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 5.3% growth forecast for the Banks industry in Italy. 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 02Third 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 5.1% growth forecast for the Banks industry in Italy.
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 2.6% growth forecast for the Banks industry in Italy. 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.
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 • Jun 04Now 21% undervaluedOver the last 90 days, the stock has risen 4.2% to €7.39. The fair value is estimated to be €9.34, 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.
Reported Earnings • May 02First quarter 2025 earnings released: EPS: €0.21 (vs €0.14 in 1Q 2024)First quarter 2025 results: EPS: €0.21 (up from €0.14 in 1Q 2024). Revenue: €3.83b (up 2.4% from 1Q 2024). Net income: €1.47b (up 46% from 1Q 2024). Profit margin: 38% (up from 27% in 1Q 2024). The increase in margin was primarily driven by lower expenses. Revenue is forecast to grow 4.0% p.a. on average during the next 3 years, compared to a 2.3% growth forecast for the Banks industry in Italy. Over the last 3 years on average, earnings per share has increased by 40% per year but the company’s share price has only increased by 31% per year, which means it is significantly lagging earnings growth.
New Risk • Apr 23New 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.
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 Italian dividend payers (6.1%). In line with average of industry peers (8.0%).
Valuation Update With 7 Day Price Move • Apr 07Investor sentiment deteriorates as stock falls 17%After last week's 17% 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 Italy. Total returns to shareholders of 124% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €9.91 per share.
Buy Or Sell Opportunity • Mar 31Now 20% undervaluedOver the last 90 days, the stock has risen 38% to €7.20. The fair value is estimated to be €9.02, 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 3.0% per annum. Earnings are forecast to decline by 0.06% per annum over the same time period.
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.