CaixaBank (48CA) Stock Overview

Provides various banking products and services for individuals and businesses in Spain, Portugal, and internationally. More details

48CA fundamental analysis
Snowflake Score
Valuation	1/6
Future Growth	1/6
Past Performance	4/6
Financial Health	4/6
Dividends	4/6

Rewards

Trading at 8.3% below our estimate of its fair value

Earnings are forecast to grow 5.5% per year

Earnings grew by 10.6% over the past year

Risk Analysis

Unstable dividend track record

48CA Community Fair Values

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CaixaBank, S.A. Competitors

Price History & Performance

Summary of share price highs, lows and changes for CaixaBank
Historical stock prices
Current Share Price	€10.47
52 Week High	€10.47
52 Week Low	€8.57
Beta	0.071
1 Month Change	12.31%
3 Month Change	17.66%
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	218.09%

Recent updates

Shareholder Returns

	48CA	DE Banks	DE Market
7D	0.9%	1.4%	0.4%
1Y	n/a	62.9%	14.2%

Return vs Industry: Insufficient data to determine how 48CA performed against the German Banks industry.

Return vs Market: Insufficient data to determine how 48CA performed against the German Market.

Price Volatility

Is 48CA's price volatile compared to industry and market?
48CA volatility
48CA Average Weekly Movement	3.8%
Banks Industry Average Movement	3.2%
Market Average Movement	5.1%
10% most volatile stocks in DE Market	12.3%
10% least volatile stocks in DE Market	2.5%

Stable Share Price: 48CA has not had significant price volatility in the past 3 months compared to the German market.

Volatility Over Time: Insufficient data to determine 48CA's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1904	46,950	Gonzalo Gortazar Rotaeche	www.caixabank.com

CaixaBank, S.A., together with its subsidiaries, provides various banking products and services for individuals and businesses in Spain, Portugal, and internationally. It operates through Banking and Insurance, BPI, and Corporate Centre segments. The company offers retail, private, business, institutional, corporate and investment, premier, InTouch, and international banking; payment methods; savings and investment products; financing; life, life-risk, and non-life insurance; traditional financial and independent advice, and broker services; ATMs; pension fund management; asset and wealth management; securitisation fund management; consumer finance; IT services; and back-office administration services.

CaixaBank, S.A. Fundamentals Summary

How do CaixaBank's earnings and revenue compare to its market cap?
48CA fundamental statistics
Market cap	€73.08b
Earnings (TTM)	€5.67b
Revenue (TTM)	€15.05b

12.9x

P/E Ratio

1.9x

P/B Ratio

Is 48CA overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
48CA income statement (TTM)
Revenue	€15.05b
Cost of Revenue	€0
Gross Profit	€15.05b
Other Expenses	€9.39b
Earnings	€5.67b

Last Reported Earnings

Sep 30, 2025

Next Earnings Date

Jan 30, 2026

Earnings per share (EPS)	0.81
Gross Margin	100.00%
Net Profit Margin	37.65%
Debt/Equity Ratio	142.0%

How did 48CA perform over the long term?

See historical performance and comparison

Dividends

4.4%

Current Dividend Yield

56%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/12/25 19:24
End of Day Share Price	2025/12/23 00:00
Earnings	2025/09/30
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

CaixaBank, S.A. is covered by 38 analysts. 17 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Javier Esteban Lario	Banco de Sabadell. S.A.
Jesús Gómez Dominguez	Banco Santander
Cecilia Romero Reyes	Barclays

CaixaBank, S.A.XTRA:48CA Stock Report