CaixaBank, S.A.

BME-CABK

Basic

Market Cap
€39.96B
EV
—
Shares Out
7,334.88M
Revenue
€13.85B
Employees
45,005

Margins

Gross
—
EBITDA
—
Operating
—
Pre-Tax
51.89%
Net
35.86%
FCF
118.68%

Returns (5Yr Avg)

ROA
0.56%
ROTA
11.21%
ROE
10.13%
ROCE
—
ROIC
0.66%

Valuation (TTM)

P/E
—
P/B
—
EV/Sales
—
EV/EBITDA
—
P/FCF
—
EV/Gross Profit
—

Valuation (NTM)

Price Target
€6.08
P/E
—
PEG
—
EV/Sales
—
EV/EBITDA
—
P/FCF
—

Financial Health

Cash
—
Net Debt
-€223M
Debt/Equity
—
EBIT/Interest
—

Growth (CAGR)

Rev 3Yr
16.47%
Rev 5Yr
12.78%
Rev 10Yr
—
Dil EPS 3Yr
-4.62%
Dil EPS 5Yr
17.16%
Dil EPS 10Yr
35.22%
Rev Fwd 2Yr
3.98%
EBITDA Fwd 2Yr
-15.01%
EPS Fwd 2Yr
2.76%
EPS LT Growth Est
3.14%

Dividends

Yield
—
Payout
64.52%
DPS
€0.39
DPS Growth 3Yr
144.54%
DPS Growth 5Yr
18.18%
DPS Growth 10Yr
—
DPS Growth Fwd 2Yr
4.21%

Metric	Dec '14	Dec '15	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21	Dec '22	Dec '23	LTM
Interest Income On Loans						4,972	4,700	5,500	7,473	14,641	15,991
Interest Income On Investments	—					2,246	2,211	2,584	1,887	3,745	3,907
Interest Income, Total						7,218	6,911	8,084	9,360	18,386	19,898
Interest On Deposits						2,104	1,864	1,917	2,645	8,110	8,742
Total Interest On Borrowings	—	—	—	—	—	—	—	—	—	10	334
Interest Expense, Total						2,104	1,864	1,917	2,645	8,120	9,076
Net Interest Income						5,114	5,047	6,167	6,715	10,266	10,822
Income From Trading Activities						139	127	97	470	-42	-63
Gain (Loss) on Sale of Assets						-116	334	-13	-10	-28	-16
Gain (Loss) on Sale of Invest. & Securities						166	-153	15	12	68	68
Income (Loss) on Equity Invest.						425	307	425	222	281	258
Total Other Non Interest Income						2,777	2,766	3,551	3,656	3,598	4,015
Non Interest Income, Total						3,391	3,381	4,075	4,350	3,877	4,262
Revenues Before Provison For Loan Losses						8,505	8,428	10,242	11,065	14,143	15,084
Provision For Loan Losses						425	690	897	883	1,224	1,237
Total Revenues						8,080	7,738	9,345	10,182	12,919	13,847
Total Revenues % Chg.						4.2%	-4.2%	20.8%	9%	26.9%	20.6%
Salaries And Other Employee Benefits						2,978	2,841	5,588	2,420	2,564	2,564
Amort. of Goodwill & Intang. Assets	—	—	—	—	—	546	—	695	730	774	774
Occupancy Expense						—	540	—	—	—	—
Selling General & Admin Expenses, Total						1,210	1,160	1,706	2,356	2,422	2,490
Total Other Non Interest Expense						106	186	291	200	6	607
Non Interest Expense, Total						4,840	4,727	8,280	5,706	5,766	6,435
EBT, Excl. Unusual Items						3,240	3,011	1,065	4,476	7,153	7,412
Restructuring Charges					—	-978	—	—	—	—	—
Total Merger & Related Restructuring Charges	—		—	—	—	—	—	—	—	—	2
Impairment of Goodwill	—			—	—	—	—	—	—	—	—
Asset Writedown						-50	-97	175	-59	-60	-60
Legal Settlements						-135	-62	-225	-97	-169	-169
Other Unusual Items	—	—	—		—	—	-1,252	4,300	—	—	—
EBT, Incl. Unusual Items						2,077	1,600	5,315	4,320	6,924	7,185
Income Tax Expense						369	219	88	1,189	2,108	2,218
Earnings From Continuing Operations						1,708	1,381	5,227	3,131	4,816	4,967
Earnings Of Discontinued Operations	—					—	—	2	2	2	2
Minority Interest						-3	—	-3	-4	-2	-3
Net Income						1,705	1,381	5,226	3,129	4,816	4,966
Preferred Dividend and Other Adjustments	—	—	—			133	143	244	261	277	277
Net Income to Common Incl Extra Items						1,572	1,238	4,982	2,868	4,539	4,689
Net Income to Common Excl. Extra Items						1,572	1,238	4,980	2,866	4,537	4,687
Total Shares Outstanding						5,978.3	5,977.4	8,053.4	7,494.4	7,367.1	7,334.9
Weighted Avg. Shares Outstanding						5,978	5,978	7,575	7,819	7,470	7,334.9
Weighted Avg. Shares Outstanding Dil						5,978	5,978	7,575	7,819	7,470	7,334.9
EPS						0.3	0.2	0.7	0.4	0.6	0.6
EPS Diluted						0.3	0.2	0.7	0.4	0.6	0.6
Effective Tax Rate						17.8%	13.7%	1.7%	27.5%	30.4%	30.9%