3.12%
14.85%
7.66%
11.65%
52.35%
111.16%
127.95%
AI Spotlight on CABK
Company Description
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.
Market Data
| Last Price | 6.02 |
| Change Percentage | 3.12% |
| Open | 5.86 |
| Previous Close | 5.84 |
| Market Cap ( Millions) | 42835 |
| Volume | 4163767 |
| Year High | 6.03 |
| Year Low | 3.81 |
| M A 50 | 5.37 |
| M A 200 | 5.27 |
Financial Ratios
| FCF Yield | 1.84% |
| Dividend Yield | 8.98% |
| ROE | 15.12% |
| Debt / Equity | 182.03% |
| Net Debt / EBIDTA | 1149.17% |
| Price To Book | 1.17 |
| Price Earnings Ratio | 8.04 |
| Price To FCF | 54.22 |
| Price To sales | 2.0 |
| EV / EBITDA | 18.8 |
News
- Jan -30 - 3 Reliable Dividend Stocks Yielding Up To 5%
- Jan -26 - CaixaBank to hire 500 developers in Q1
- Jan -01 - 3 Reliable Dividend Stocks With Yields Up To 5.6%
- Dec -17 - Spain Hires Bank of America for CaixaBank Trading Plan
- Nov -19 - CaixaBank sets business growth and transformation as the pillars of its new strategic plan
- Nov -19 - CaixaBank Guides for Weaker Profitability, Resilient Income as Rates Boost Fades
- Nov -19 - Nestle Midterm Ambitions Seen as Realistic
- Nov -18 - 3 Reliable Dividend Stocks Yielding Up To 6.5%
- Nov -01 - Top 3 Dividend Stocks To Consider For Your Portfolio
- Nov -01 - CaixaBank SA (CAIXY) Q3 2024 Earnings Call Highlights: Strong Lending Growth and Robust Capital ...
- Sep -24 - Is Bank7 (BSVN) Stock Outpacing Its Finance Peers This Year?
- Sep -06 - Is Bankinter (BKNIY) Stock Outpacing Its Finance Peers This Year?
- Aug -28 - Are You Looking for a Top Momentum Pick? Why CaixaBank, S.A. Unsponsored ADR (CAIXY) is a Great Choice
- Aug -19 - Are Finance Stocks Lagging JPMorgan Chase & Co. (JPM) This Year?
- Aug -01 - Is Byline Bancorp (BY) Stock Outpacing Its Finance Peers This Year?
- Jul -31 - Heard on the Street: Spain’s Booming Economy Complicates Big Bank Merger
- May -10 - Stocks to watch this week: Burberry, Vodafone, BT and Walmart
- May -06 - CaixaBank Explores Sale of $1.2 Billion in Soured Loans
- May -06 - CaixaBank Explores Sale of $1.2 Billion in Soured Loans
- Apr -26 - Stocks to watch this week: Amazon, Apple, Anglo American and Novo Nordisk
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Banking
Expected Growth : 3.5 %
What the company do ?
CaixaBank, S.A. is a Spanish multinational bank that provides a wide range of financial services, including retail, corporate, and investment banking.
Why we expect these perspectives ?
CaixaBank's 3.5% growth driven by strong retail banking performance, fueled by mortgage lending and consumer credit expansion. Digital transformation initiatives and cost-cutting measures also contributed to growth. Additionally, the bank's diversified business model, including insurance and investment services, helped to mitigate risks and boost profitability.
Segment n°2 -> Insurance
Expected Growth : 2.8 %
What the company do ?
CaixaBank's insurance offers a range of products, including life, home, and health insurance, providing financial protection and peace of mind to individuals and families.
Why we expect these perspectives ?
CaixaBank's insurance segment growth of 2.8% is driven by increasing demand for protection products, expansion into new markets, and strategic partnerships. Additionally, the bank's strong brand reputation, digitalization efforts, and competitive pricing strategy have contributed to the growth. Furthermore, the Spanish economy's steady recovery and rising consumer confidence have also supported the segment's expansion.
Segment n°3 -> BPI
Expected Growth : 3.2 %
What the company do ?
The BPI (Banking Products and Investments) segment from CaixaBank, S.A. offers a wide range of financial products and investment services to individuals and businesses.
Why we expect these perspectives ?
BPI's 3.2% growth is driven by a strong Spanish economy, increasing consumer confidence, and a solid loan book growth. Additionally, CaixaBank's digital transformation efforts and cost-cutting initiatives have improved operational efficiency, contributing to the bank's profitability. Furthermore, BPI's diversified business model, with a focus on retail and commercial banking, has helped to mitigate risks and drive growth.
Segment n°4 -> Corporate Center
Expected Growth : 2.5 %
What the company do ?
The Corporate Center of CaixaBank, S.A. is the central hub that oversees and manages the bank's overall strategy, risk, and operations.
Why we expect these perspectives ?
CaixaBank's Corporate Center drives 2.5% growth through strategic expansion into high-growth markets, diversification of revenue streams, and investments in digital transformation, enhancing customer experience and operational efficiency. Additionally, a strong risk management framework and cost discipline support sustainable profitability.
Caixabank, S.A. Products
| Product Range | What is it ? |
|---|---|
| Personal Banking | CaixaBank's personal banking services provide individuals with a range of financial products and services, including current and savings accounts, credit cards, personal loans, and mortgages. |
| Business Banking | CaixaBank's business banking services offer companies and entrepreneurs a range of financial solutions, including business accounts, loans, and cash management services. |
| Private Banking | CaixaBank's private banking services provide high net worth individuals with personalized financial advice, investment management, and wealth management solutions. |
| Corporate Banking | CaixaBank's corporate banking services offer large corporations and institutions a range of financial solutions, including cash management, trade finance, and risk management services. |
| Markets and Investment Banking | CaixaBank's markets and investment banking services provide clients with access to capital markets, debt and equity issuance, and mergers and acquisitions advisory services. |
| Insurance and Pensions | CaixaBank's insurance and pensions services offer a range of life and non-life insurance products, as well as pension plans and retirement savings solutions. |
| Digital Banking | CaixaBank's digital banking services provide customers with online and mobile banking platforms, allowing them to manage their finances and conduct transactions remotely. |
CaixaBank, S.A.'s Porter Forces
Threat Of Substitutes
CaixaBank, S.A. operates in a highly competitive market, with many substitutes available to customers. However, the bank's strong brand recognition and extensive branch network help to mitigate the threat of substitutes.
Bargaining Power Of Customers
CaixaBank, S.A. has a large customer base, which gives customers significant bargaining power. The bank's customers have many options to choose from, and the bank must offer competitive rates and services to retain them.
Bargaining Power Of Suppliers
CaixaBank, S.A. has a diverse supplier base, which reduces the bargaining power of individual suppliers. The bank's large size and scale of operations also give it significant negotiating power with suppliers.
Threat Of New Entrants
The banking industry has significant barriers to entry, including regulatory hurdles and high capital requirements. This makes it difficult for new entrants to enter the market and compete with established players like CaixaBank, S.A.
Intensity Of Rivalry
The banking industry is highly competitive, with many players competing for market share. CaixaBank, S.A. faces intense competition from other banks, fintech companies, and digital payment providers, which puts pressure on its market share and profitability.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 68.52% |
| Debt Cost | 5.63% |
| Equity Weight | 31.48% |
| Equity Cost | 7.79% |
| WACC | 6.31% |
| Leverage | 217.67% |
CaixaBank, S.A. : Quality Control
CaixaBank, S.A. passed 3 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| CBK.DE | Commerzbank AG provides banking and capital market services to private and small business customers, multinational groups, financial service providers, and institutional clients worldwide. It operates through two segments, Private and … |
| ISP.MI | Intesa Sanpaolo S.p.A. provides various financial products and services primarily in Italy. It operates through six segments Banca dei Territori, IMI Corporate & Investment Banking, International Subsidiary Banks, Asset Management, … |
| ACA.PA | Crédit Agricole S.A. provides retail, corporate, insurance, and investment banking products and services worldwide. It operates through Asset Gathering; Large Customers; Specialised Financial Services; French Retail Banking - LCL; and … |
| BNP.PA | BNP Paribas SA provides a range of banking and financial services in Europe, North America, Asia Pacific, and internationally. The company offers corporate and institutional banking services, such as consulting, … |
| DNB.OL | DNB Bank ASA provides financial services for retail and corporate customers in Norway and internationally. The company offers personal banking products and services, including savings and investment products; loans, such … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Intesa Sanpaolo
A-Score
1-Year Total Return ->
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DNB Bank
A-Score
1-Year Total Return ->
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Crédit Agricole
A-Score
1-Year Total Return ->
4
BNP Paribas
A-Score
1-Year Total Return ->
5
CaixaBank
A-Score
1-Year Total Return ->
6
