Rankings Financial data & insurance broking CaixaBank
CaixaBank
87
15070100
A view of the same findings, not a new score. How it works
A strong score: the model found few serious problems, but analysts see limited upside from here.
Biggest deductions
- Multiples vs own history−8
- Quality of growth−4
- Peers−2
Strengths
- Dividend and buybacks+3
- Credit quality+1
How the score is built
From 100 to 87, step by step: points off for the business, the price and the cracks, back for documented strengths, then three data adjustments.
Start
Score
Hover or select a step to see what drove it. Steps with findings open them below.
Key numbers
As of 3 Nov 2026. Analyst targets tend to be optimistic; read upside as a hint, not a forecast.
- Price
- 11.38 EUR
- Median analyst target
- 13.60 EUR
- Upside to median
- +19.5%
- Analysts
- 21
- Target range
- 6.80 – 15.30 EUR
- 52-week change
- +23%
- P/E (trailing)
- 12.9
- Forward P/E
- 11.0
- PEG
- 0.89
Findings
Every deduction and every plus, with its source. Open a step to read them.
Business
Is the company getting stronger, not just bigger? · 1 finding−4 of −30
- −4Quality of growthNet interest income rose only 2% in H1 2026 and gross income 3.7%; revenue was flat TTM (+0.1%), and EPS grew 4% in 2025 and 4.8% TTM. Earnings growth (+8.5%) comes from fees, insurance and lower losses, not from the core business.
Price
Today's multiples against the company's own history and its peers. · 2 findings−10 of −35
- −8Multiples vs own historyP/B 2.27 vs 0.55–1.90 in 2021–2025 and trailing P/E 15.2 vs 3.9–13.0. The share price has more than quadrupled since 2022 (2.95 → 12.63 EUR), while EPS has just over doubled (0.37 → 0.83) and is now growing only about 5%.
- −2PeersP/TBV 2.63 is the highest among the large Spanish banks (BBVA 2.49 with ROE 18.9%, Santander 1.99), even though CaixaBank's ROE of 16.2% is lower than BBVA's and its growth the lowest.
Cracks
Cash flow, customers, debt, insiders, guidance and what sits behind the headline numbers. · 3 findings−4 of −35
- −2Bank taxThe Spanish bank tax (IMIC) cost CaixaBank EUR 304m in H1 2026, about 9% of net profit, and hits almost the entire business because the bank is concentrated in Spain.
- −1Capital bufferCET1 is 12.5%, exactly at the bank's own threshold for extraordinary distributions, so there is no buffer for extra buybacks.
- −1
Plus
Only documented strengths. · 2 findings+4 of +15
- +3Dividend and buybacksCash dividend payout 50–60% of earnings plus ongoing buybacks (8th programme of EUR 500m); share count −2.0% in a year. Total distribution is below net result.
- +1Credit qualityNon-performing loans fell EUR 785m in a year, the NPL ratio is below 1.8%, and coverage rose from 77% to 81%; ROTE 18%.
Caveats
What the score does not capture, or where the data is weak.
Bank: EV, ROIC and FCF are not meaningful; valuation on P/B, P/TBV and P/E. EPS in 2021 is distorted by badwill from the Bankia merger, so growth is measured from 2022. Stockanalysis' revenue is the bank's own definition; the H1 figures are from CaixaBank's press release. The share count −2.0% is consistent with the buyback programmes (8th programme of EUR 500m, 60% completed as of 25 Sep 2026).
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