CaixaBank, S.A. Logo

CaixaBank, S.A.

CIXPF

(2.2)
Stock Price

5,15 USD

0.86% ROA

15.15% ROE

7.01x PER

Market Cap.

37.525.483.325,49 USD

207.13% DER

7.58% Yield

28.48% NPM

CaixaBank, S.A. Stock Analysis

CaixaBank, S.A. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

CaixaBank, S.A. Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.82x), the stock offers substantial upside potential at a bargain price.

2 Dividend

Investors can trust the company's impressive dividend track record, consistently distributing dividends over the past five years, showcasing a strong commitment to rewarding shareholders.

3 ROE

ROE in an average range (10.95%) suggests satisfactory profitability and decent utilization of shareholders' equity.

4 ROA

The stock's ROA (0.6%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

5 Graham Number

The Graham number calculation reveals that this company's stock price is potentially underestimated, implying that it may be a promising investment option.

6 Dividend Growth

Investors can take confidence in the company's impressive track record of annual dividend growth over the last three years, showcasing a commitment to providing higher returns.

7 Buffet Intrinsic Value

The company's stock seems undervalued (22) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

8 DER

The stock is burdened with a heavy load of debt (156%), making it financially unstable and potentially risky for investors.

9 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

10 Net Profit Growth

Throughout the last five years, this company's net profit has remained unchanged, indicating a lack of growth and making it a less favorable investment option.

11 Assets Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

CaixaBank, S.A. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

CaixaBank, S.A. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Buy
4 Stoch RSI Hold

CaixaBank, S.A. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

CaixaBank, S.A. Revenue
Year Revenue Growth
2004 3.372.769.000
2005 2.044.248.000 -64.99%
2006 3.183.520.000 35.79%
2007 1.272.226.000 -150.23%
2008 3.774.951.000 66.3%
2009 5.377.145.000 29.8%
2010 7.242.129.000 25.75%
2011 6.473.214.000 -11.88%
2012 6.553.014.000 1.22%
2013 6.770.549.000 3.21%
2014 7.225.100.000 6.29%
2015 7.683.463.000 5.97%
2016 8.086.619.000 4.99%
2017 8.894.450.000 9.08%
2018 9.371.991.000 5.1%
2019 9.240.000.000 -1.43%
2020 9.123.000.000 -1.28%
2021 11.355.000.000 19.66%
2022 13.036.000.000 12.9%
2023 15.016.000.000 13.19%
2023 15.294.000.000 1.82%
2024 26.884.000.000 43.11%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

CaixaBank, S.A. Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

CaixaBank, S.A. General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 136.000.000
2005 53.657.000 -153.46%
2006 30.655.000 -75.04%
2007 0 0%
2008 0 0%
2009 22.101.000 100%
2010 44.825.000 50.69%
2011 404.314.000 88.91%
2012 437.273.000 7.54%
2013 498.741.000 12.32%
2014 441.368.000 -13%
2015 585.770.000 24.65%
2016 579.049.000 -1.16%
2017 704.317.000 17.79%
2018 757.616.000 7.04%
2019 862.000.000 12.11%
2020 842.000.000 -2.38%
2021 1.082.000.000 22.18%
2022 1.228.000.000 11.89%
2023 1.536.000.000 20.05%
2023 1.522.000.000 -0.92%
2024 1.552.000.000 1.93%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

CaixaBank, S.A. EBITDA
Year EBITDA Growth
2004 1.025.286.000
2005 461.952.000 -121.95%
2006 2.254.627.000 79.51%
2007 1.538.937.000 -46.51%
2008 1.070.388.000 -43.77%
2009 1.344.355.000 20.38%
2010 1.574.074.000 14.59%
2011 1.500.842.000 -4.88%
2012 279.016.000 -437.91%
2013 -285.702.000 197.66%
2014 552.079.000 151.75%
2015 999.625.000 44.77%
2016 1.899.389.000 47.37%
2017 2.488.724.000 23.68%
2018 3.100.920.000 19.74%
2019 2.620.000.000 -18.36%
2020 2.140.000.000 -22.43%
2021 6.009.000.000 64.39%
2022 5.131.000.000 -17.11%
2023 7.956.000.000 35.51%
2023 7.698.000.000 -3.35%
2024 -224.000.000 3536.61%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

CaixaBank, S.A. Gross Profit
Year Gross Profit Growth
2004 3.372.769.000
2005 2.044.248.000 -64.99%
2006 3.183.520.000 35.79%
2007 1.272.226.000 -150.23%
2008 3.774.951.000 66.3%
2009 5.377.145.000 29.8%
2010 7.242.129.000 25.75%
2011 6.473.214.000 -11.88%
2012 6.553.014.000 1.22%
2013 6.770.549.000 3.21%
2014 7.225.100.000 6.29%
2015 7.683.463.000 5.97%
2016 8.086.619.000 4.99%
2017 8.894.450.000 9.08%
2018 9.371.991.000 5.1%
2019 9.240.000.000 -1.43%
2020 9.123.000.000 -1.28%
2021 11.355.000.000 19.66%
2022 13.036.000.000 12.9%
2023 15.016.000.000 13.19%
2023 15.294.000.000 1.82%
2024 13.624.000.000 -12.26%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

CaixaBank, S.A. Net Profit
Year Net Profit Growth
2004 1.052.274.000
2005 1.153.225.000 8.75%
2006 2.159.331.000 46.59%
2007 1.725.862.000 -25.12%
2008 1.083.495.000 -59.29%
2009 1.316.628.000 17.71%
2010 1.822.932.000 27.77%
2011 1.053.495.000 -73.04%
2012 229.700.000 -358.64%
2013 502.703.000 54.31%
2014 620.020.000 18.92%
2015 814.460.000 23.87%
2016 1.047.004.000 22.21%
2017 1.684.167.000 37.83%
2018 1.984.647.000 15.14%
2019 1.705.000.000 -16.4%
2020 1.381.000.000 -23.46%
2021 5.226.000.000 73.57%
2022 3.129.000.000 -67.02%
2023 5.124.000.000 38.93%
2023 4.816.000.000 -6.4%
2024 6.680.000.000 27.9%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

CaixaBank, S.A. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 1 0%
2022 0 0%
2023 1 0%
2023 1 0%
2024 1 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

CaixaBank, S.A. Free Cashflow
Year Free Cashflow Growth
2005 498.145.000
2006 -1.855.023.000 126.85%
2007 -34.587.000 -5263.35%
2008 -103.312.000 66.52%
2009 839.143.000 112.31%
2010 2.062.805.000 59.32%
2011 -2.446.410.000 184.32%
2012 10.253.921.000 123.86%
2013 1.875.199.000 -446.82%
2014 -5.862.954.000 131.98%
2015 1.702.029.000 444.47%
2016 13.507.109.000 87.4%
2017 5.969.137.000 -126.28%
2018 -5.613.869.000 206.33%
2019 -7.210.000.000 22.14%
2020 36.872.000.000 119.55%
2021 37.950.000.000 2.84%
2022 -80.791.000.000 146.97%
2023 14.943.000.000 640.66%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

CaixaBank, S.A. Operating Cashflow
Year Operating Cashflow Growth
2005 1.316.669.000
2006 -1.531.487.000 185.97%
2007 382.400.000 500.49%
2008 334.270.000 -14.4%
2009 1.106.845.000 69.8%
2010 2.267.278.000 51.18%
2011 -2.146.262.000 205.64%
2012 10.852.457.000 119.78%
2013 2.318.031.000 -368.18%
2014 -4.890.969.000 147.39%
2015 2.259.995.000 316.42%
2016 14.145.969.000 84.02%
2017 6.554.404.000 -115.82%
2018 -4.877.343.000 234.38%
2019 -6.453.000.000 24.42%
2020 37.562.000.000 117.18%
2021 38.628.000.000 2.76%
2022 -79.875.000.000 148.36%
2023 15.744.000.000 607.34%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

CaixaBank, S.A. Capital Expenditure
Year Capital Expenditure Growth
2005 818.524.000
2006 323.536.000 -152.99%
2007 416.987.000 22.41%
2008 437.582.000 4.71%
2009 267.702.000 -63.46%
2010 204.473.000 -30.92%
2011 300.148.000 31.88%
2012 598.536.000 49.85%
2013 442.832.000 -35.16%
2014 971.985.000 54.44%
2015 557.966.000 -74.2%
2016 638.860.000 12.66%
2017 585.267.000 -9.16%
2018 736.526.000 20.54%
2019 757.000.000 2.7%
2020 690.000.000 -9.71%
2021 678.000.000 -1.77%
2022 916.000.000 25.98%
2023 801.000.000 -14.36%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

CaixaBank, S.A. Equity
Year Equity Growth
2004 9.545.697.000
2005 14.782.783.000 35.43%
2006 14.944.921.000 1.08%
2007 15.013.591.000 0.46%
2008 12.254.453.000 -22.52%
2009 14.320.664.000 14.43%
2010 14.703.013.000 2.6%
2011 20.714.509.000 29.02%
2012 22.711.172.000 8.79%
2013 24.333.772.000 6.67%
2014 25.232.568.000 3.56%
2015 25.204.550.000 -0.11%
2016 23.555.562.000 -7%
2017 24.683.281.000 4.57%
2018 24.058.445.000 -2.6%
2019 25.151.000.000 4.34%
2020 25.278.000.000 0.5%
2021 35.425.000.000 28.64%
2022 34.262.000.000 -3.39%
2023 36.339.000.000 5.72%
2023 34.012.000.000 -6.84%
2024 35.494.000.000 4.18%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

CaixaBank, S.A. Assets
Year Assets Growth
2004 35.514.512.000
2005 42.526.441.000 16.49%
2006 37.400.986.000 -13.7%
2007 40.680.565.000 8.06%
2008 43.342.676.000 6.14%
2009 49.105.594.000 11.74%
2010 50.985.602.000 3.69%
2011 270.424.628.000 81.15%
2012 348.294.074.000 22.36%
2013 340.190.477.000 -2.38%
2014 338.623.449.000 -0.46%
2015 344.255.475.000 1.64%
2016 347.927.262.000 1.06%
2017 383.186.163.000 9.2%
2018 386.622.250.000 0.89%
2019 391.414.000.000 1.22%
2020 451.520.000.000 13.31%
2021 680.036.000.000 33.6%
2022 592.234.000.000 -14.83%
2023 607.167.000.000 2.46%
2023 625.597.000.000 2.95%
2024 630.371.000.000 0.76%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

CaixaBank, S.A. Liabilities
Year Liabilities Growth
2004 177.600.000
2005 27.743.658.000 99.36%
2006 22.456.065.000 -23.55%
2007 25.666.974.000 12.51%
2008 0 0%
2009 34.784.930.000 100%
2010 36.282.589.000 4.13%
2011 249.710.119.000 85.47%
2012 325.582.902.000 23.3%
2013 315.856.705.000 -3.08%
2014 313.390.881.000 -0.79%
2015 319.050.925.000 1.77%
2016 324.371.700.000 1.64%
2017 358.502.882.000 9.52%
2018 362.563.805.000 1.12%
2019 366.263.000.000 1.01%
2020 426.242.000.000 14.07%
2021 644.611.000.000 33.88%
2022 557.972.000.000 -15.53%
2023 56.755.000.000 -883.12%
2023 53.006.000.000 -7.07%
2024 594.877.000.000 91.09%

CaixaBank, S.A. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
2.59
Net Income per Share
0.74
Price to Earning Ratio
7.01x
Price To Sales Ratio
2x
POCF Ratio
47.5
PFCF Ratio
47.5
Price to Book Ratio
1.06
EV to Sales
3.08
EV Over EBITDA
14.12
EV to Operating CashFlow
73.41
EV to FreeCashFlow
73.41
Earnings Yield
0.14
FreeCashFlow Yield
0.02
Market Cap
37,53 Bil.
Enterprise Value
57,99 Bil.
Graham Number
9
Graham NetNet
-81.33

Income Statement Metrics

Net Income per Share
0.74
Income Quality
0.15
ROE
0.15
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.7
EBT Per Ebit
1
Ebit per Revenue
0.41
Effective Tax Rate
0.31

Margins

Sales, General, & Administrative to Revenue
0.08
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.05
Gross Profit Margin
0.81
Operating Profit Margin
0.41
Pretax Profit Margin
0.41
Net Profit Margin
0.28

Dividends

Dividend Yield
0.08
Dividend Yield %
7.58
Payout Ratio
0
Dividend Per Share
0.39

Operating Metrics

Operating Cashflow per Share
0.11
Free CashFlow per Share
0.11
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.05
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
0,61
Book Value per Share
4,89
Tangible Book Value per Share
4.21
Shareholders Equity per Share
4.88
Interest Debt per Share
10.3
Debt to Equity
2.07
Debt to Assets
0.12
Net Debt to EBITDA
4.98
Current Ratio
12.94
Tangible Asset Value
30,54 Bil.
Net Current Asset Value
-530,22 Bil.
Invested Capital
70442000000
Working Capital
59,66 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
1.96

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

CaixaBank, S.A. Dividends
Year Dividends Growth
2009 0
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

CaixaBank, S.A. Profile

About CaixaBank, S.A.

CaixaBank, S.A., together with its subsidiaries, provides various banking products and financial services in Spain and internationally. The company operates through Banking and Insurance, Equity Investments, and BPI segments. It also provides solutions related to security, protection, internationalization, and financing; traditional financial advice, independent advice, and broker services; asset management; liquidity management; capital markets, cash management, project finance, asset finance, and M&A services; and various financial services and solutions to public and private sector institutions, as well as distributes non-life and life risk insurance policies; and private banking services. In addition, the company is involved in the real estate business. As of September 30, 2021, it had 5,415 branches and 13,678 ATMs in Spain; and 316 branches and 1,440 ATMs in Portugal. CaixaBank, S.A. was founded in 1904 and is based in Valencia, Spain.

CEO
Mr. Gonzalo Maria Gortazar Rot
Employee
45.349
Address
Calle Pintor Sorolla 2-4
Valencia, 46002

CaixaBank, S.A. Executives & BODs

CaixaBank, S.A. Executives & BODs
# Name Age
1 Ms. Marta Noguer
Head of Investor and Shareholder Relations
70
2 Mr. Manuel Galarza Pont
Head of Control, Compliance & Public Affairs
70
3 Mr. Tomas Muniesa Arantegui
Executive Deputy Chairman
70
4 Mr. Jose Ignacio Goirigolzarri Tellaeche
Executive Chairman
70
5 Mr. Gonzalo Maria Gortazar Rotaeche
Chief Executive Officer & Executive Director
70
6 Mr. Luis Javier Blas Agueros
Chief Operating Officer & Media Director
70
7 Mr. Oscar Calderon de Oya
Board Secretary & General Counsel
70
8 Ms. Maria Luisa Martinez Gistau
Head of Communication & Institutional Relations
70
9 Mr. Javier Pano Riera
Chief Financial Officer
70
10 Mr. Matthias Bullach
Head of Accounting, Mgmt Control & Capital
70

CaixaBank, S.A. Competitors