CaixaBank, S.A. CABK.MC
Financial Services · Banks - Regional · Spain · IBEX 35
Based on the available data, CaixaBank, S.A. gets an algorithmic score of 74/100. It trades at 12.65 €, with a bullish technical trend (RSI 40.1) and 25.4% annual volatility.
Updated: 2026-09-30
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Strengths
- High net margin (39.0%): pricing power / competitive advantage.
- Sustained revenue growth (10.5% compound annual).
- Low valuation (P/E 11.5).
- Meaningful dividend (3.96%).
Weaknesses
- —
Fundamentals
| P/E | 15.06 |
| Forward P/E | 11.55 |
| PEG | 0.94 |
| P/B | 2.28 |
| P/S | 5.58 |
| ROE % | 16.16 |
| ROA % | 0.91 |
| Gross margin % | 0.00 |
| Operating margin % | 57.42 |
| Net margin % | 39.04 |
| Revenue growth % (y/y) | 12.60 |
| Earnings growth % (y/y) | 11.60 |
| Revenue CAGR % | 10.45 |
| Earnings CAGR % | 23.48 |
| FCF yield % | 3.91 |
| Dividend yield % | 3.96 |
| Payout % | 59.82 |
Returns
| 1 month | -3.3 % |
| 3 months | 0.0 % |
| 6 months | +25.9 % |
| YTD | +23.0 % |
| 1 year | +47.4 % |
| 3 years | +305.3 % |
| 5 years | +568.6 % |
| 10 years | +633.2 % |
Risk
| 1-year volatility | 25.4 % |
| Beta | 1.21 |
| 5-year max drawdown | -26.3 % |
| Sharpe 1A | 1.50 |
Macroeconomic context
Benefits from high rates and a positive curve (net interest margin). Sensitive to credit quality and the cycle: loan-loss provisions rise in recessions. As a Spanish company, it depends on ECB policy, the Spanish risk premium, the eurozone cycle and, if it operates in Latin America, on emerging-market currencies (BRL, MXN).
How the score is calculated
The score combines profitability (ROE, ROA, net margin), growth (revenue and earnings), valuation (P/E, EV/EBITDA, free cash flow), financial strength (debt and liquidity; not applied to banks and insurers) and momentum (6 and 12-month returns and trend). It is an educational quantitative filter, not a buy or sell recommendation.