Caixabank SA (CABK) fair value: what the stock is really worth
As of Oct 13, 2026: fair value of Caixabank SA €8.46, price €11.85, upside -28.6%, quality 66 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 8, 2026.
How to read this chart
60‑month range €1.63 – €13.53 · fair‑value band €5.54 – €11.06 · the €11.85 price screens above the €8.46 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 8, 2026.
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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.
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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. The company offers retail, private, business, institutional, corporate and investment, premier, InTouch, and international banking; payment methods; savings and investment products; financing; life, life-risk, and non-life insurance; traditional financial and independent advice, and broker services; ATMs; pension fund management; asset and wealth management; securitisation fund management; consumer finance; IT services; and back-office administration services. It also engages in the management of collective investment institutions; holding of property assets; venture capital company; promotion of business and entrepreneurial initiatives; development of digital projects; vehicle and equipment leasing; project management, maintenance, logistics, and procurement; marketing of products and cashless platforms; mortgage loan management; digital business; hotels; private security of goods and people; shopping center real estate; administration, management, development, and operation of real estate; and reinsurance activities. The company was formerly known as Criteria CaixaCorp, S.A. and changed its name to CaixaBank, S.A. in July 2011. CaixaBank, S.A. was founded in 1904 and is based in Valencia, Spain.
Stock analysis
Caixabank SA (CABK) currently trades at €11.85, while our model-based Fair Value estimate is €8.46, 28.6% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of €7.76 per share, and 0 of the 6 models we run sit above the €11.85 price.
Bear case: the Asset-Based group reads lowest at €3.71, and 6 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: €5.54 (bear) to €11.06 (bull), the price of €11.85 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 66/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Caixabank SA reported revenue of €26.0B in FY2025 versus €13.3B in FY2021, a compound +18.3%/yr. Reported net income was €5.9B in FY2025, compounding +3.0%/yr from FY2021.
Key figures
Market cap €89.6B · P/E ratio 14.1 · P/S ratio 3.19 · EPS (TTM) €0.8400 · Dividend yield 3.8% · Net margin 22.6% · Return on equity 16.2% · Return on assets (EBIT) 1.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (medium confidence).
What moves the price
The share trades about 12% below its 52-week high and 44% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at −29%, CABK screens cheaper than that median.
Fair Value models
Bear €5.54Fair Value €8.46Bull €11.06
Price €11.85 · Upside -28.6%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (€0.3033 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.86/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−3.0%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+19.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+18.8%
Start year 2020 (pandemic). Over 10 years: +8.2% a year
Revenue growth 22 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+13.6%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+27.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year+24.0%
Dividend (yield on the price)3.8%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.24.0% vs 19.6%, picking up
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.15% → 33%
News mood ⓘNews mood, the average tone of recent news (91 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Positive
Recent news coverage is more positive than average.
AI conclusion: Moderate pricing and governance scores form the main strength for this regional bank while weak signals elsewhere reflect insufficient data and limited durability assessment.
Main risk: Greater dependence on one technology provider for AI-based data analysis and task automation could impair operational processes in its regional banking activities.
CaixaBank is extending its Google Cloud partnership through 2033 to roll out AI agents that analyze data and automate employee tasks. Our models currently see the bank as overvalued. Will these efficiency tools strengthen its regional banking franchise more than they increase reliance on a single technology provider?
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1053 stocks
Beats the industry median on 8/15 measures
A mixed picture versus its industry peers.
Valuation
Quality Score66 · Top 25%
Fair Value upside−28.6% · Below median
Profitability
Return on equity (TTM)16.2% · Top 25%
Return on assets0.9% · Below median
Net margin (TTM)39.0% · Top 25%
Operating margin (TTM)57.4% · Top 25%
Growth and dividend
Revenue growth12.6% · Above median
Dividend yield (TTM)3.8% · Above median
Balance sheet
Debt / equity1.37× · Highest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (TTM)14.1× · Pricier than median
P/B2.33× · Priciest 25%
P/S (TTM)5.69× · Priciest 25%
P/FCF2.1× · Cheapest 25%
EV/EBITDA10.9× · Pricier than median
PEG0.94× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 12
FUTURE (revenue growth)63· sector 50
PAST (return on equity)65· sector 41
HEALTH (low debt)32· sector 84
DIVIDEND (yield)77· sector 52
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Caixabank SA Fair Value". https://www.fairvalue-calculator.com/stock/CABK
Frequently asked questions
Is Caixabank SA (CABK) overvalued or undervalued?
As of Oct 8, 2026, our model estimates a fair value of €8.46 versus a price of €11.85, about −29% upside (overvalued).
What is the fair value of CABK?
Our model-based fair value for Caixabank SA is €8.46 (as of Oct 8, 2026), built from audited fundamentals. The current price: €11.85.
What is the quality score of CABK?
Caixabank SA has a Quality Score of 66/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Caixabank SA (CABK)?
Our model-based price target is the fair value of €8.46 (as of Oct 8, 2026) from 6 valuation models. Cautious scenario €5.54, optimistic scenario €11.06. It is a calculation from audited fundamentals, not an analyst target.
What is the Caixabank SA stock forecast for 2026?
Our models put fair value at €8.46, about −29% upside versus a price of €11.85 (overvalued). Cautious scenario €5.54, optimistic scenario €11.06. The calculation is refreshed regularly with new filings.
What is the revenue of Caixabank SA (CABK)?
Caixabank SA reported trailing-twelve-month revenue of about €15.7B (latest available figure, as of Oct 8, 2026).
Does Caixabank SA pay a dividend?
Caixabank SA currently shows a dividend yield of about 3.83% relative to its recent price (as of Oct 8, 2026).
What is the intrinsic value of Caixabank SA (CABK)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Caixabank SA it is €8.46 per share (as of Oct 8, 2026), against a price of €11.85. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Caixabank SA stock overvalued or undervalued in 2026?
As of Oct 8, 2026, CABK trades above its calculated fair value: price €11.85, fair value €8.46, a gap of about −29% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CABK?
No. The price is what the market pays today (€11.85); the fair value is what the company's own numbers justify (€8.46). For Caixabank SA the two are €3.39 per share apart. That gap is exactly why we show both numbers side by side.
How much is Caixabank SA worth?
The market values Caixabank SA at about €89.6B (market capitalisation, as of Oct 8, 2026). Per share that is €11.85; our models calculate a fair value of €8.46 per share.
What do the bullish and bearish scenarios say about CABK?
Our models span a range for Caixabank SA: cautious scenario €5.54, base €8.46, optimistic €11.06 per share (as of Oct 8, 2026, price €11.85). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CABK?
Caixabank SA trades at a price-to-earnings ratio of 14.1 (as of Oct 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of €8.46 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 9.4. Other multiples: PEG 0.9, P/B 2.3, P/S 5.7, EV/EBITDA 10.9.
What is the PEG ratio of CABK?
The PEG ratio of Caixabank SA is 0.94 (P/E divided by earnings growth, as of Oct 8, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Caixabank SA (CABK)?
Balance-sheet figures for Caixabank SA (as of Oct 8, 2026): return on equity 16.2%, debt of 1.37 per unit of equity. They feed the Quality Score of 66/100, which measures business quality independently of the share price.
How far is CABK from its 52-week high?
Caixabank SA trades at €11.85, about 12% below its 52-week high of €13.53 and 44% above the low of €8.25 (as of Oct 13, 2026). Distance from the high says nothing about value: that is what the fair value of €8.46 is for.
Which stocks are comparable to Caixabank SA?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Caixabank SA stock attractive at the current price?
The data as of Oct 8, 2026: price €11.85, calculated fair value €8.46 (−29%), Quality Score 66/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CABK calculated?
We run Caixabank SA through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of €8.46, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Caixabank SA itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Caixabank SA (CABK)?
The closing price on Oct 13, 2026 was €11.85. Our model-based fair value is €8.46, about −29% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Caixabank SA right now?
The price sits above even our optimistic bull case (€11.06). The favourable scenario is already priced in. Solid but not exceptional quality (66/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range (€5.54 to €11.06) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Caixabank SA (CABK) come from?
Earnings per share at Caixabank SA grew +20.4 % a year from 2014 to 2025. Broken into its drivers: revenue per share +6.7 %, EBIT margin +18.2 %, tax rate −4.5 %, residual (interest, one-offs) +0.1 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Caixabank SA
How large is the market capitalisation of Caixabank SA (CABK)?
The market capitalisation of Caixabank SA is €89.6B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Caixabank SA (CABK)?
The price-to-sales ratio of Caixabank SA is 3.19 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Caixabank SA (CABK)?
Earnings per share at Caixabank SA are €0.8400 (price ÷ EPS = P/E 14.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Caixabank SA (CABK)?
The dividend yield of Caixabank SA is 3.8% (payout 54.1%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Caixabank SA (CABK)?
The net margin of Caixabank SA is 22.6% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Caixabank SA (CABK)?
The return on equity (ROE) of Caixabank SA is 16.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Caixabank SA (CABK)?
On an EBIT basis the return on assets of Caixabank SA is 1.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Caixabank SA (CABK)?
The operating margin of Caixabank SA is 57.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Caixabank SA (CABK)?
Revenue at Caixabank SA is growing +12.6% versus a year earlier (3y avg +19.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Caixabank SA (CABK)?
Earnings per share at Caixabank SA are growing +11.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Caixabank SA (CABK) generate?
The free cash flow of Caixabank SA is €42.0B (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Caixabank SA (CABK) carry?
The net debt of Caixabank SA is €39.7B (fiscal year 2025, ≈ 0.9 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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