CaixaBank SA (FV9J) Stock Price & Analysis
FV9J Stock Chart & Stats
- Day’s Range
- EUR 3.62 - EUR 3.66
- 52-Week Range
- EUR 2.94 - EUR 4.46
- Previous Close
- EUR 3.66
- Volume
- 0
- Average Volume (3M)
- 0
- Market Cap
- EUR 78.05B
- Enterprise Value
- EUR 159.38B
- Total Cash (Recent Filing)
- EUR 37.98B
- Total Debt (Recent Filing)
- EUR 70.66B
- Price to Earnings (P/E)
- 12.7
- Beta
- 0.86
- Next Earnings
- Feb 05, 2027 (Est.)
- EPS Estimate
- 0.08
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 4.55%
Bulls Say, Bears Say
Bulls Say
Strong Profitability And Revenue Growth
Strong earnings growth and a high return on tangible equity indicate that CaixaBank is converting its franchise, balance sheet and commercial momentum into durable profitability. Broad revenue expansion also supports reinvestment, capital generation and resilience over the next several quarters.
Improving Asset Quality And Strong Capital
Falling nonperforming loans, higher coverage and solid CET1 capital provide meaningful protection against credit deterioration. This combination supports lending capacity and shareholder distributions while reducing the risk that future earnings are absorbed by provisioning or capital needs.
Diversified Commercial And Digital Franchise
Growth across services, wealth management, insurance and digital banking broadens CaixaBank's earnings mix beyond traditional lending. Its expanding client base and digital capabilities can deepen relationships, improve cross-selling and make revenue generation more durable across rate cycles.
Bears Say
Deposit Growth Is Lagging Loan Growth
A persistent gap between lending and deposit growth can increase reliance on alternative funding and reduce balance-sheet flexibility. Although liquidity remains strong, continued funding imbalance could raise funding costs and constrain loan expansion if customer deposits do not recover.
Hedging And ALCO Pressure On Earnings
Negative carry from legacy hedges and higher funding-related costs can weigh on net interest income even when customer spreads improve. Because these effects are expected to continue until hedges mature, they may limit the durability and visibility of near-term margin expansion.
Fee Pressure And Rising Cost Risk
Pressure on maintenance and card fees challenges growth in a recurring noninterest-income stream, while elevated inflation may raise the expense base. If fee weakness persists alongside wage increases, operating leverage and the sustainability of the below-40% cost-to-income ratio could weaken.
CaixaBank SA News
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CaixaBank SA Stock Smart Score
Company Description
CaixaBank SA
CaixaBank, S.A., together with its subsidiaries, provides various banking products and services for individuals and businesses in Spain, Portugal, and internationally. It operates through four segments: Retail Banking, Business Banking, Private Banking, and CIB segments. The company offers retail, private, business, institutional, corporate and investment, premier, InTouch, and international banking; payment methods; savings and investment products; financing; life, life-risk, and non-life insurance; traditional financial and independent advice, and broker services; ATMs; pension fund management; asset and wealth management; securitisation fund management; consumer finance; IT services; and back-office administration services. It also engages in the management of collective investment institutions; holding of property assets; venture capital company; promotion of business and entrepreneurial initiatives; development of digital projects; vehicle and equipment leasing; project management, maintenance, logistics, and procurement; marketing of products and cashless platforms; mortgage loan management; digital business; hotels; private security of goods and people; shopping center real estate; administration, management, development, and operation of real estate; and reinsurance activities. The company was formerly known as Criteria CaixaCorp, S.A. and changed its name to CaixaBank, S.A. in July 2011. CaixaBank, S.A. was founded in 1904 and is based in Valencia, Spain.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Gonzalo Maria Gortazar Rotaeche
- Employees
- 47,120
- Website
- www.caixabank.com
- Address
- Calle Pintor Sorolla 2-4, Valencia, VA, 46002, ES
CaixaBank SA (FV9J) Earnings & Revenues
FV9J Company Deck
FV9J Earnings Call
Earnings Call SentimentPositive
The call was strongly positive overall. CaixaBank reported close to 22% net income growth, approximately 19% RoTE, solid loan and fee growth, improving asset quality, strong liquidity and capital, market share gains, and upgraded services and profitability guidance. The main challenges were slower deposit growth, inflation-related cost pressure, short-term hedging and ALCO headwinds, fee pressure in traditional banking, and uncertainty around rates, politics and future market performance. Management remained confident in the bank's commercial momentum, cost-control plans and longer-term earnings trajectory.
View all DE:FV9J earnings summariesTechnical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 5 | 2 | 15 |
| Technical Analysis | 5 | 2 | 3 |
| Moving Averages | 0 | 0 | 12 |