CaixaBank Valuation

Is 0ILK undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

4/6

Valuation Score 4/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of 0ILK when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: 0ILK (€5.36) is trading below our estimate of fair value (€9.76)

Significantly Below Fair Value: 0ILK is trading below fair value by more than 20%.


Key Valuation Metric

Which metric is best to use when looking at relative valuation for 0ILK?

Key metric: As 0ILK is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 0ILK. This is calculated by dividing 0ILK's market cap by their current earnings.
What is 0ILK's PE Ratio?
PE Ratio7.5x
Earnings€5.13b
Market Cap€38.70b

Price to Earnings Ratio vs Peers

How does 0ILK's PE Ratio compare to its peers?

The above table shows the PE ratio for 0ILK vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average7.8x
NWG NatWest Group
7.5x0.6%UK£33.2b
LLOY Lloyds Banking Group
7.2x4.3%UK£32.1b
STAN Standard Chartered
7.4x5.2%UK£23.4b
BARC Barclays
9x10.9%UK£38.2b
0ILK CaixaBank
7.5x-1.1%€38.7b

Price-To-Earnings vs Peers: 0ILK is good value based on its Price-To-Earnings Ratio (7.5x) compared to the peer average (7.8x).


Price to Earnings Ratio vs Industry

How does 0ILK's PE Ratio compare vs other companies in the European Banks Industry?

2 CompaniesPrice / EarningsEstimated GrowthMarket Cap
0ILK 7.5xIndustry Avg. 7.5xNo. of Companies43PE0612182430+
2 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: 0ILK is expensive based on its Price-To-Earnings Ratio (7.5x) compared to the European Banks industry average (7.5x).


Price to Earnings Ratio vs Fair Ratio

What is 0ILK's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

0ILK PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio7.5x
Fair PE Ratio5.7x

Price-To-Earnings vs Fair Ratio: 0ILK is expensive based on its Price-To-Earnings Ratio (7.5x) compared to the estimated Fair Price-To-Earnings Ratio (5.7x).


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 0ILK forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current€5.36
€6.43
+20.0%
8.6%€7.70€5.40n/a19
Dec ’25€5.13
€6.44
+25.5%
8.5%€7.70€5.40n/a19
Nov ’25€5.68
€6.41
+12.9%
7.9%€7.60€5.45n/a19
Oct ’25€5.25
€6.45
+23.0%
8.1%€7.60€5.45n/a19
Sep ’25€5.46
€6.32
+15.8%
8.5%€7.40€5.45n/a20
Aug ’25€5.25
€6.21
+18.2%
9.4%€7.40€5.10n/a20
Jul ’25€5.08
€5.97
+17.5%
8.3%€6.80€5.10n/a20
Jun ’25€5.27
€5.91
+12.1%
8.1%€6.80€5.10n/a20
May ’25€4.95
€5.78
+16.8%
8.0%€6.80€5.00n/a20
Apr ’25€4.51
€5.45
+20.7%
9.7%€6.40€4.30n/a20
Mar ’25€4.27
€5.34
+25.0%
9.7%€6.40€4.30n/a21
Feb ’25€3.94
€5.24
+32.8%
9.4%€6.10€4.30n/a21
Jan ’25€3.72
€5.33
+43.4%
9.1%€6.30€4.30n/a21
Dec ’24€4.15
€5.36
+29.1%
9.0%€6.20€4.30€5.1321
Nov ’24€3.80
€5.33
+40.4%
8.9%€6.20€4.30€5.6820
Oct ’24€3.79
€5.04
+33.2%
8.6%€5.70€4.10€5.2520
Sep ’24€3.71
€5.00
+35.0%
8.8%€5.70€4.10€5.4621
Aug ’24€3.67
€4.91
+33.9%
9.0%€5.70€4.10€5.2521
Jul ’24€3.81
€4.77
+25.4%
8.6%€5.50€3.80€5.0821
Jun ’24€3.55
€4.72
+33.2%
8.9%€5.50€3.80€5.2719
May ’24€3.39
€4.70
+38.5%
6.8%€5.20€4.10€4.9518
Apr ’24€3.58
€4.64
+29.5%
7.5%€5.20€3.74€4.5119
Mar ’24€4.02
€4.55
+13.2%
8.3%€5.20€3.74€4.2719
Feb ’24€4.08
€4.21
+3.4%
9.9%€5.20€3.60€3.9419
Jan ’24€3.65
€4.17
+14.1%
9.9%€5.10€3.60€3.7219
Dec ’23€3.57
€4.17
+17.1%
10.0%€5.10€3.60€4.1518

Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.


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