CAIXY

CaixaBank, S.A.

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Price alert · CAIXY

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4.12 USD +0.02 +0.49%
As of Oct 30, 2026
4.05 Day range 4.16
3.44 52-week range 5.21
YTD
+1.73%
1 year
+19.77%
Open
4.16
Prev close
4.10
Mkt cap
85.90B
Vol
70.46K
Avg vol
372.67K
EPS
0.33
P/E
12.48
More statistics
Low
4.05
High
4.16
Earnings
Oct 30, 2026

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Financial health

Altman Z-Score

0.21 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B-3 / 5 overall

  • DCF 5
  • Return on Equity 4
  • Return on Assets 2
  • Debt / Equity 1
  • P/E 2
  • P/B 1

Valuation

P/E 13.1×
FY 2016: 16.6×FY 2017: 13.8×FY 2018: 9.1×FY 2019: 10.2×FY 2020: 9.7×FY 2021: 3.6×FY 2022: 9.5×FY 2023: 6.1×FY 2024: 6.9×FY 2025: 13.1×
FY 2016 5y median 6.9× FY 2025
P/S 3.0×
FY 2016: 1.6×FY 2017: 2.1×FY 2018: 1.6×FY 2019: 1.4×FY 2020: 1.1×FY 2021: 1.4×FY 2022: 1.8×FY 2023: 1.2×FY 2024: 1.4×FY 2025: 3.0×
FY 2016 5y median 1.4× FY 2025
P/B 1.9×
FY 2016: 0.7×FY 2017: 0.9×FY 2018: 0.7×FY 2019: 0.6×FY 2020: 0.5×FY 2021: 0.5×FY 2022: 0.8×FY 2023: 0.8×FY 2024: 1.0×FY 2025: 1.9×
FY 2016 5y median 0.8× FY 2025
P/FCF 1.8×
FY 2016: 1.3×FY 2017: 3.9×FY 2018: -3.2×FY 2019: -2.2×FY 2020: 0.3×FY 2021: 0.5×FY 2022: -0.3×FY 2023: 1.9×FY 2024: 2.2×FY 2025: 1.8×
FY 2016 5y median 1.8× FY 2025
EV/EBITDA 8.4×
FY 2016: 20.2×FY 2017: 13.2×FY 2018: 8.4×FY 2019: 13.1×FY 2020: -2.3×FY 2021: -5.9×FY 2022: 11.3×FY 2023: 6.1×FY 2024: 4.6×FY 2025: 8.4×
FY 2016 5y median 6.1× FY 2025
EV/Sales 3.3×
FY 2016: 3.6×FY 2017: 3.0×FY 2018: 2.4×FY 2019: 3.0×FY 2020: -0.4×FY 2021: -2.7×FY 2022: 3.7×FY 2023: 1.9×FY 2024: 1.6×FY 2025: 3.3×
FY 2016 5y median 1.9× FY 2025
FCF Yield 55.4%
FY 2016: 77.3%FY 2017: 25.8%FY 2018: -31.2%FY 2019: -45.3%FY 2020: 303.7%FY 2021: 210.1%FY 2022: -295.0%FY 2023: 53.8%FY 2024: 44.5%FY 2025: 55.4%
FY 2016 5y median 53.8% FY 2025

Profitability

Gross Margin 69.5%
FY 2016: 75.8%FY 2017: 80.0%FY 2018: 82.1%FY 2019: 81.5%FY 2020: 83.0%FY 2021: 85.6%FY 2022: 82.6%FY 2023: 66.3%FY 2024: 63.5%FY 2025: 69.5%
FY 2016 5y median 69.5% FY 2025
Operating Margin 34.6%
FY 2016: 14.3%FY 2017: 18.9%FY 2018: 24.6%FY 2019: 18.3%FY 2020: 14.6%FY 2021: 40.0%FY 2022: 28.4%FY 2023: 28.8%FY 2024: 31.0%FY 2025: 34.6%
FY 2016 5y median 31.0% FY 2025
Net Margin 24.4%
FY 2016: 9.8%FY 2017: 15.1%FY 2018: 17.4%FY 2019: 15.0%FY 2020: 12.6%FY 2021: 39.4%FY 2022: 20.6%FY 2023: 20.0%FY 2024: 21.6%FY 2025: 24.4%
FY 2016 5y median 21.6% FY 2025
ROE 15.3%
FY 2016: 4.5%FY 2017: 6.9%FY 2018: 8.2%FY 2019: 6.8%FY 2020: 5.5%FY 2021: 14.8%FY 2022: 9.3%FY 2023: 13.3%FY 2024: 15.7%FY 2025: 15.3%
FY 2016 5y median 14.8% FY 2025
ROIC 2.6%
FY 2016: 0.6%FY 2017: 1.0%FY 2018: 1.2%FY 2019: 2.4%FY 2020: 0.7%FY 2021: -2.9%FY 2022: -1.2%FY 2023: 2.1%FY 2024: 2.8%FY 2025: 2.6%
FY 2016 5y median 2.1% FY 2025
ROA 0.9%
FY 2016: 0.3%FY 2017: 0.4%FY 2018: 0.5%FY 2019: 0.4%FY 2020: 0.3%FY 2021: 0.8%FY 2022: 0.5%FY 2023: 0.8%FY 2024: 0.9%FY 2025: 0.9%
FY 2016 5y median 0.8% FY 2025

Growth (YoY)

Revenue -10.1%
FY 2016: -9.3%FY 2017: 3.7%FY 2018: 2.6%FY 2019: -0.6%FY 2020: -3.1%FY 2021: 20.8%FY 2022: 14.7%FY 2023: 58.2%FY 2024: 11.4%FY 2025: -10.1%
FY 2016 FY 2025
Operating Income 0.2%
FY 2016: 141.0%FY 2017: 36.4%FY 2018: 33.8%FY 2019: -26.0%FY 2020: -23.0%FY 2021: 232.2%FY 2022: -18.7%FY 2023: 60.3%FY 2024: 20.1%FY 2025: 0.2%
FY 2016 FY 2025
EPS (diluted) 3.9%
FY 2016: 38.5%FY 2017: 55.6%FY 2018: 17.9%FY 2019: -21.2%FY 2020: -19.2%FY 2021: 214.3%FY 2022: -43.9%FY 2023: 64.9%FY 2024: 24.6%FY 2025: 3.9%
FY 2016 FY 2025
Free Cash Flow 143.9%
FY 2016: 693.6%FY 2017: -55.8%FY 2018: -194.0%FY 2019: -28.4%FY 2020: 611.4%FY 2021: 2.9%FY 2022: -312.9%FY 2023: 118.5%FY 2024: 10.6%FY 2025: 143.9%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 11.6×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.1×FY 2023: 12.9×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 0.1×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 33.1×FY 2020: 0.2×FY 2021: 0.6×FY 2022: 0.1×FY 2023: 12.9×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 1.4×
FY 2016: 1.5×FY 2017: 1.2×FY 2018: 1.2×FY 2019: 1.3×FY 2020: 1.4×FY 2021: 1.4×FY 2022: 1.5×FY 2023: 1.6×FY 2024: 1.5×FY 2025: 1.4×
FY 2016 5y median 1.5× FY 2025
Net Debt / EBITDA 0.7×
FY 2016: 11.0×FY 2017: 4.0×FY 2018: 2.8×FY 2019: 7.0×FY 2020: -8.0×FY 2021: -8.9×FY 2022: 5.9×FY 2023: 2.5×FY 2024: 0.5×FY 2025: 0.7×
FY 2016 5y median 0.7× FY 2025
Interest Coverage 1.2×
FY 2016: 0.6×FY 2017: 0.9×FY 2018: 1.4×FY 2019: 1.0×FY 2020: 0.9×FY 2021: 2.8×FY 2022: 1.6×FY 2023: 0.9×FY 2024: 0.8×FY 2025: 1.2×
FY 2016 5y median 1.2× FY 2025

Dividends

Dividend Yield 4.2%
FY 2016: 2.6%FY 2017: 3.4%FY 2018: 5.0%FY 2019: 3.8%FY 2020: 3.4%FY 2021: 1.2%FY 2022: 4.3%FY 2023: 6.2%FY 2024: 10.6%FY 2025: 4.2%
FY 2016 5y median 4.3% FY 2025
Payout Ratio 52.4%
FY 2016: 44.0%FY 2017: 46.1%FY 2018: 45.4%FY 2019: 35.3%FY 2020: 30.3%FY 2021: 4.1%FY 2022: 37.6%FY 2023: 35.9%FY 2024: 68.2%FY 2025: 52.4%
FY 2016 5y median 37.6% FY 2025

Annual · latest fiscal year ends 2025-12-31