CaixaBank stock: fundamental analysis
Stocks · CABK · Financial Services
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. Below are its fundamentals, explained in the order worth reading them: business quality, debt, growth and, last, whether the price is reasonable.
- Price: 13.00 EUR
- Market cap: 90.3B EUR
Data as of September 18, 2026 · Yahoo Finance
Quick read
Business quality
ROE of 16.2%: it earns a high return on shareholders' money. Out of every 100 in sales, 39.0 end up as profit.
Financial health
For banks and insurers, debt is part of the business, so ratios such as net debt/EBITDA do not apply. Their strength is measured by capital (CET1 ratio) and bad loans, reported in their quarterly results.
Growth
Revenue is growing 12.6% year on year: a solid pace. Earnings are up 11.6%.
Valuation
It trades at a P/E of 15.5, in line with the 14.4 median of the financial services companies we track. On expected earnings the P/E falls to 11.9: the market expects profits to rise.
Dividend
Dividend yield of 3.8% (0.50 EUR per share per year) with a payout ratio of 59.8%.
Tools
All metrics
| CaixaBank | Sector median | |
|---|---|---|
| Business quality | ||
| ROE | 16.2% | 17.4% |
| ROA | 0.9% | 1.4% |
| Gross margin | — | 64.0% |
| Operating margin | 57.4% | 57.4% |
| Net margin | 39.0% | 34.9% |
| Financial health | ||
| Net debt/EBITDA | — | — |
| Debt/equity | — | 0.5x |
| Current ratio | — | 2.0x |
| Growth | ||
| Revenue growth | 12.6% | 13.4% |
| Earnings growth | 11.6% | 12.8% |
| Valuation | ||
| P/E ratio | 15.5x | 14.4x |
| Forward P/E | 11.9x | 11.9x |
| EV/EBITDA | — | — |
| Price/book | 2.3x | 2.2x |
| FCF yield | — | 3.4% |
| Dividend | ||
| Dividend yield | 3.8% | 3.8% |
| Payout ratio | 59.8% | 47.5% |
| Beta (volatility) | 0.1x | 0.6x |
Frequently asked questions
What is CaixaBank's P/E ratio?
CaixaBank's P/E is 15.5 based on trailing 12-month earnings and 11.9 on expected earnings. The median for its sector among the companies we track is 14.4. Data as of September 18, 2026.
What dividend does CaixaBank pay?
Dividend yield of 3.8% (0.50 EUR per share per year) with a payout ratio of 59.8%.
Is CaixaBank stock expensive?
It trades at a P/E of 15.5, in line with the 14.4 median of the financial services companies we track. On expected earnings the P/E falls to 11.9: the market expects profits to rise. This is an educational reading based on ratios, not a buy or sell recommendation.
Does CaixaBank have a lot of debt?
For banks and insurers, debt is part of the business, so ratios such as net debt/EBITDA do not apply. Their strength is measured by capital (CET1 ratio) and bad loans, reported in their quarterly results.
What is CaixaBank's market cap?
CaixaBank has a market cap of 90.3B EUR and its shares trade at 13.00 EUR, with a 52-week range of 8.53 EUR to 13.56 EUR (data as of September 18, 2026).
Other companies in the sector
Trailing 12-month metrics. Educational content, not investment advice.