CaixaBank, S.A.
CaixaBank, S.A. is a Spanish universal banking and financial services group headquartered in Valencia. The institution focuses on retail and small-business banking, offering current and savings accounts, payment services, cards, mortgages, consumer loans, and financing solutions to individuals, professionals, and enterprises in Spain and Portugal. CaixaBank operates a broad bancassurance model, integrating banking and insurance by distributing life, non-life, and pension products, as well as mutual funds and other investment and protection solutions. Its activities are organized across key segments such as banking and insurance, asset management, payments, consumer finance, and its Portuguese operations through Banco BPI, giving it a strong presence across the Iberian Peninsula. The group serves customers through an extensive physical branch network complemented by advanced digital channels and remote advisory services, positioning CaixaBank, S.A. as one of the leading, full-service financial institutions in the Iberian retail and corporate banking market.
€11.92
+€0.02 (+0.13%)
EOD Oct 16, 2026
Financial stocks carry unique risks (credit cycles, regulatory changes, interest rate sensitivity) that aren't captured by standard quality metrics.
13.7x earnings. In line with financial-sector norms. The question is whether the current credit environment supports sustained earnings at this level.
Price History
Valuation & Multiples
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue
N/A
Net Income (TTM)
€6.16B
▲ +1.8% YoY
Net Margin
—
P/E
13.7x
Balance Sheet
Total Assets
€664.04B
Equity
€38.53B
Total Debt
€49.49B
Cash & Equiv.
€45.83B
3Y CAGR: +14.3%
Continue Research
Is CaixaBank (CIXPF) overvalued?
At a P/E of 13.7 and a price-to-free-cash-flow of 24.2, CaixaBank (CIXPF) trades above a two-stage DCF intrinsic value of about €8.03 per share, so at €11.92 the stock looks overvalued (32.7% 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 73/100 on Intrinsiqq's quality scorecard (a solid business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 4.2%; see dividend safety for coverage and history. All figures are computed from company filings; read the full methodology, or see how the market compares in our US profitability statistics. This is analysis, not investment advice.
Frequently asked
What is CaixaBank's fair value?+
Intrinsiqq's two-stage DCF estimates an intrinsic value of about €8.03 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 €6.02. At today's €11.92, that puts the stock about 32.7% 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.
Is CaixaBank a high-quality business?+
CaixaBank scores 73 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a solid 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 company filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Does CaixaBank (CIXPF) pay a dividend, and how much?+
Yes, CaixaBank pays a regular dividend of about €0.50 per share per year (typically in quarterly installments), a yield of roughly 4.2% at the current price. That is a payout ratio of about 56.7% of earnings, so the dividend is well covered. CaixaBank has grown the dividend at roughly 33.8% 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.
Is CaixaBank a good stock to buy right now?+
That depends on valuation and quality together, not either alone. CIXPF currently trades above its estimated intrinsic value and scores 73/100 on quality (solid). It also yields about 4.2%. 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 company filings, not investment advice.
Related stocks: Banks - Regional
Spot a number that looks wrong?
Data sourced from company filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.