Caixabank SA (CABK) fair value: what the stock is really worth
As of Nov 5, 2026: fair value (intrinsic value) of Caixabank SA stock €7.69, price €11.88, that is 35.3% below the price, quality 66 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Caixabank SA
CABK · MCOur calculation puts a fair price 35% below what the stock costs today.
Risks from the AI analysis
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
60‑month range €1.63 – €13.53 · fair‑value band €5.55 – €9.61 · the €11.88 price screens above the €7.69 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
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Company profile
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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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 €11.88, while our model-based Fair Value estimate is €7.69, 35% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Dividend Discount group reads highest at a median of €7.23 per share, and 0 of the 6 models we run sit above the €11.88 price.
Bear case: the Asset-Based group reads lowest at €3.21, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: €5.55 (bear) to €9.61 (bull), the price of €11.88 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 €82.7B Large · P/E ratio 13.8 · P/S ratio 5.16 · EPS (TTM) €0.8600 · Dividend yield 4.3% · Net margin 40.3% · Return on equity 16.5% · Return on assets (EBIT) 1.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 68 out of 100 (medium confidence).
What moves the price
The share trades about 12% below its 52-week high and 36% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −35% fair-value upside, at −35%, CABK screens richer than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Revenue & earnings trend
CABK screens overvalued: fair value 35% below the price. Compare with China Merchants Bank Co →
Recent news
- CaixaBank Q3 profit beats forecasts; net interest income slightly misses
- CaixaBank Expands Strategic Collaboration with Google Cloud to Accelerate AI and Data Capabilities
Compare Caixabank SA with another stock
Price, fair value, quality and upside side by side.
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 · 1002 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- EBIT margin by industry
- P/S ratio by industry
- PEG screener for stocks with fair value
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.52 | ¥7.59 | +38% | vs CABK |
| China Merchants Bank Co 600036 | ¥42.54 | ¥52.73 | +24% | vs CABK |
| BNP Paribas SA BNP | €91.94 | €106.01 | +15% | vs CABK |
| Intesa Sanpaolo S.p.A ISP | €6.27 | €4.59 | −27% | vs CABK |
| UniCredit S.p.A UCG | €77.18 | €50.44 | −35% | vs CABK |
| Oversea-Chinese Banking Corporation O39 | 27.93 SGD | 18.20 SGD | −35% | vs CABK |
| Mizuho Financial Group MFG | $9.39 | $5.90 | −37% | vs CABK |
| DBS Group D05 | 71.20 SGD | 40.39 SGD | −43% | vs CABK |
| HDFC Bank Limited HDFCBANK | ₹760.00 | ₹406.39 | −47% | vs CABK |
| ICICI Bank Limited ICICIBANK | ₹1,500 | ₹615.63 | −59% | vs CABK |
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Frequently asked questions
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Key figures of Caixabank SA
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