Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
CaixaBank, S.A. is a leading Spanish financial group operating a socially responsible universal banking model focused on quality, customer engagement, and specialization. It provides a comprehensive range of products and services tailored to individuals, small and medium-sized enterprises, large corporations, and institutions, emphasizing innovation and omnichannel access through branches, digital platforms like CaixaBank Now and Imagin, and specialized advisors. Key segments include Retail Banking for personal, premier, and business customers; Private Banking via CaixaBank Wealth Management for high-net-worth individuals with over 500,000 euros in assets; Business Banking for companies up to 500 million euros in turnover; and Corporate & Investment Banking for larger corporates and international clients. As Spain's largest domestic bancassurance provider, it holds significant market shares—23.4% in loans, 24.7% in deposits, 23.3% in mutual funds, and 34.2% in pension plans as of end-2025—while supporting financial well-being and sustainable economic growth through subsidiaries like VidaCaixa for insurance and Banco BPI in Portugal. With over 20 million customers across Spain and Portugal, CaixaBank plays a pivotal role in retail banking and societal progress.
€12.38
+€0.01 (+0.04%)
EOD Jun 25, 2026 · Twelve Data
35.20% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue declined 1.1% YoY. For a bank, this often signals contracting loan book or reduced fee income.
Financial stocks carry unique risks (credit cycles, regulatory changes, interest rate sensitivity) that aren't captured by standard quality metrics.
14.9x earnings. In line with financial-sector norms. The question is whether the current credit environment supports sustained earnings at this level.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
€16.76B
▼ -1.1% YoY
Net Income (TTM)
€5.90B
▲ +1.8% YoY
Net Margin
35.20%
P/E
14.9x
Balance Sheet
Total Assets
€664.04B
Equity
€38.53B
Total Debt
€49.49B
Cash & Equiv.
€45.83B
3Y CAGR: +10.0%
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At a P/E of 14.9 and a price-to-free-cash-flow of 25.5, CaixaBank (CIXPF) trades above a two-stage DCF intrinsic value of about €7.88 per share, so at €12.38 the stock looks overvalued (36.3% above estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, CaixaBank scores 88/100 on Intrinsiqq's quality scorecard (a high-quality business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 3.7%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about €7.88 per share for CIXPF, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around €5.91. At today's €12.38, that puts the stock about 36.3% above estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
CaixaBank scores 88 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a high-quality business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, CaixaBank pays a regular dividend of about €0.45 per share per year (typically in quarterly installments), a yield of roughly 3.7% at the current price. That is a payout ratio of about 54.4% of earnings, so the dividend is well covered. CaixaBank has grown the dividend at roughly 96.4% a year over the past few years. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For CIXPF's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. CIXPF currently trades above its estimated intrinsic value and scores 88/100 on quality (high-quality). It also yields about 3.7%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.