Financial Ratios CaixaBank, S.A.

Stocks

CABK

ES0140609019

Banks

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Published financial data: CAIXABANK, S.A.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	5.5B	7.44B	14.64B	16.96B	15B
Interest Income On Investments	2.58B	1.95B	3.74B	4.04B	3.08B
Interest Income, Total	8.08B	9.4B	18.39B	21B	18.08B
Interest On Deposits	1.92B	2.32B	8.11B	9.79B	7.35B
Total Interest On Borrowings	-	-	10M	-	-
Interest Expense, Total	1.92B	2.32B	8.12B	9.79B	7.35B
Net Interest Income	6.17B	7.08B	10.27B	11.21B	10.73B
Income From Trading Activities	97M	476M	-42M	-8M	292M
Gain (Loss) on Sale of Assets	-13M	-10M	-28M	23M	76M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	15M	14M	68M	66M	-12M
Income (Loss) on Equity Invest. (Income Block)	425M	264M	281M	261M	288M
Total Other Non Interest Income	3.55B	3.74B	3.6B	4.32B	4.91B
Non Interest Income, Total	4.08B	4.49B	3.88B	4.66B	5.56B
Revenues Before Provison For Loan Losses	10.24B	11.57B	14.14B	15.87B	16.29B
Provision For Loan Losses	897M	883M	1.22B	1.05B	935M
Total Revenues	9.34B	10.68B	12.92B	14.82B	15.36B
Salaries And Other Employee Benefits	5.59B	2.71B	2.56B	3.78B	3.97B
Amort. of Goodwill & Intang. Assets	695M	-	774M	-	-
Occupancy Expense	-	807M	-	778M	791M
Selling General & Admin Expenses, Total	1.71B	2.48B	2.42B	1.52B	1.62B
Total Other Non Interest Expense	291M	200M	6M	183M	76M
Non Interest Expense, Total	8.28B	6.2B	5.77B	6.26B	6.46B
EBT, Excl. Unusual Items	1.06B	4.48B	7.15B	8.56B	8.9B
Restructuring Charges	-	-	-	-	-
Total Merger & Related Restructuring Charges	-	-	-	-	-
Impairment of Goodwill	4.3B	-	-	-	-
Asset Writedown	175M	-59M	-60M	-27M	-69M
Legal Settlements	-225M	-97M	-169M	-215M	-156M
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	5.32B	4.33B	6.92B	8.32B	8.67B
Income Tax Expense	88M	1.18B	2.11B	2.52B	2.78B
Earnings From Continuing Operations	5.23B	3.15B	4.82B	5.79B	5.9B
Earnings Of Discontinued Operations	2M	2M	2M	1M	2M
Net Income to Company	5.23B	3.15B	4.82B	5.8B	5.9B
Minority Interest	-3M	-4M	-2M	-8M	-10M
Net Income - (IS)	5.23B	3.14B	4.82B	5.79B	5.89B
Preferred Dividend and Other Adjustments	244M	261M	277M	267M	278M
Net Income to Common Incl Extra Items	4.98B	2.88B	4.54B	5.52B	5.61B
Net Income to Common Excl. Extra Items	4.98B	2.88B	4.54B	5.52B	5.61B
Per Share Items
Net EPS - Basic	0.66	0.37	0.61	0.76	0.8
Basic EPS - Continuing Operations	0.66	0.37	0.61	0.76	0.79
Basic Weighted Average Shares Outstanding	7.58B	7.82B	7.47B	7.26B	7.06B
Net EPS - Diluted	0.66	0.37	0.61	0.76	0.79
Diluted EPS - Continuing Operations	0.66	0.37	0.61	0.76	0.79
Diluted Weighted Average Shares Outstanding	7.58B	7.82B	7.47B	7.26B	7.06B
Normalized Basic EPS	0.09	0.36	0.6	0.74	0.79
Normalized Diluted EPS	0.09	0.36	0.6	0.74	0.79
Dividend Per Share	0.15	0.23	0.39	0.44	0.5
Payout Ratio	4.13	37.46	35.88	68.2	54.51
American Depositary Receipts Ratio (ADR)	0.33	0.33	0.33	0.33	0.33
Supplemental Items
Effective Tax Rate - (Ratio)	1.66	27.25	30.44	30.35	31.99
Normalized Net Income	663M	2.8B	4.47B	5.34B	5.55B
Non-Cash Pension Expense	2.21B	178M	43M	66M	11M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	-	911M	952M	-	-
Total Stock-Based Compensation	-	911M	952M	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	4.64B	4.14B	4.16B	3.85B	3.69B
Investment Securities, Total	87.31B	92.84B	170B	174B	199B
Trading Asset Securities, Total	12.91B	7.28B	7.96B	6.14B	7.01B
Total investments	100B	100B	178B	181B	207B
Gross Loans	361B	372B	363B	372B	386B
Allowance For Loan Losses	-8.26B	-7.4B	-7.33B	-6.69B	-6.32B
Other Adjustments to Gross Loans	-436M	-427M	-428M	-401M	-
Net Loans	352B	364B	355B	365B	380B
Gross Property Plant And Equipment	12.14B	11.41B	11.57B	11.7B	11.77B
Accumulated Depreciation	-5.75B	-5.5B	-5.7B	-5.99B	-6.14B
Net Property Plant And Equipment	6.4B	5.92B	5.88B	5.71B	5.63B
Goodwill	3.46B	3.17B	3.09B	3.09B	3.09B
Other Intangibles, Total	1.48B	2.05B	1.89B	1.98B	2.18B
Investment in Real Estate	1.86B	1.6B	1.42B	1.26B	884M
Accrued Interest Receivable	475M	786M	1.45B	1.6B	1M
Other Receivables	2.9B	2.74B	1.97B	2.89B	2.84B
Restricted Cash	99.57B	16.38B	33.7B	45.96B	42.14B
Other Current Assets, Total	2.11B	1.75B	1.63B	1.55B	1.42B
Deferred Tax Assets Long-Term (Collected)	19.49B	18.3B	16.95B	15.22B	14.27B
Other Real Estate Owned And Foreclosed	1.03B	777M	635M	566M	1.12B
Other Long-Term Assets, Total	84.41B	70.22B	1.55B	1.57B	723M
Total Assets	680B	592B	607B	631B	664B
Liabilities
Accrued Expenses, Total	1.49B	1.64B	-	-	-
Interest Bearing Deposits	487B	422B	400B	424B	445B
Total Deposits	487B	422B	400B	424B	445B
Short-Term Borrowings	6.47B	-394M	27.47B	21.84B	32.74B
Current Portion of Leases	39M	32M	-	-	-
Long-Term Debt	53.68B	52.61B	56.76B	56.56B	52.21B
Long-Term Leases	1.82B	1.58B	1.66B	1.57B	1.51B
Current Income Taxes Payable	189M	457M	748M	1.46B	2.02B
Other Current Liabilities - (Bank / Utility Template)	3.55B	4B	4.78B	4.38B	4.02B
Unearned Revenue Non Current	8M	12M	-	-	-
Pension & Other Post Retirement Benefits	1.04B	698M	632M	581M	505M
Deferred Tax Liability Non-Current	2.15B	1.66B	1.35B	1.07B	905M
Other Non Current Liabilities	87.64B	73.82B	77.75B	82.69B	86.71B
Total Liabilities	645B	558B	571B	594B	626B
Common Stock, Total	8.06B	7.5B	7.5B	7.18B	7.02B
Additional Paid In Capital	15.27B	13.47B	13.47B	12.31B	11.46B
Retained Earnings	15.01B	16.8B	19.74B	20.5B	23.16B
Treasury Stock	-19M	-25M	-519M	-299M	-145M
Comprehensive Income and Other	-2.92B	-3.52B	-3.89B	-2.86B	-2.99B
Total Common Equity	35.39B	34.23B	36.31B	36.83B	38.51B
Minority Interest	31M	32M	32M	34M	16M
Total Equity	35.42B	34.26B	36.34B	36.87B	38.53B
Total Liabilities And Equity	680B	592B	607B	631B	664B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	8.05B	7.49B	7.37B	7.12B	7.01B
ECS Total Common Shares Outstanding	8.05B	7.49B	-	7.12B	7.01B
Book Value / Share	4.39	4.57	4.93	5.17	5.5
Tangible Book Value	30.46B	29.01B	31.32B	31.76B	33.24B
Tangible Book Value Per Share	3.78	3.87	4.25	4.46	4.74
Tangible Book Value Per Share (As Reported)	-	-	-	-	4.69
Average Assets	629B	699B	619B	621B	654B
Average Loans	407B	464B	386B	393B	417B
Total Debt	62.02B	53.82B	85.88B	79.97B	86.46B
Deposits at Interest - Cash	99.57B	16.38B	33.7B	45.96B	42.14B
Debt Equivalent of Unfunded Proj. Benefit Obligation	3.09B	2.21B	1.95B	1.64B	1.32B
Net Debt	44.46B	42.41B	73.76B	69.98B	65.14B
Equity Method Investments, Total	2.53B	2.03B	1.92B	1.87B	1.75B
Full Time Employees	49.61K	44.32K	44.67K	45.73K	46.8K
Part Time Employees	53	104	115	124	145
Number Of Offices	5.32K	4.41K	4.19K	4.14K	4.56K

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	5.23B	3.14B	4.82B	5.79B	5.89B
Depreciation, Depletion & Amortization	469M	509M	479M	468M	463M
Amortization of Goodwill and Intangible Assets - (CF)	77M	123M	94M	90M	88M
Total Depreciation, Depletion & Amortization	546M	632M	573M	558M	551M
Amortization of Deferred Charges, Total	149M	175M	201M	220M	240M
Change in Trading Asset Securities	14.2B	5.99B	910M	104M	-1.88B
Change in Other Net Operating Assets (Collected)	20.98B	-89.44B	7.39B	9.63B	-618M
Other Operating Activities	-2.47B	-379M	1.85B	547M	221M
Cash from Operations	38.63B	-79.88B	15.74B	16.85B	4.41B
Capital Expenditure	-358M	-440M	-412M	-317M	-386M
Sale of Property, Plant, and Equipment	311M	138M	134M	83M	105M
Cash Acquisitions	-	-250M	-	-	-
Divestitures	277M	-	-	-	-
Purchase / Sale of Intangible Assets	-319M	-475M	-373M	-433M	-579M
Investment in Marketable and Equity Securities, Total	159M	152M	80M	89M	96M
Other Investing Activities, Total	13.82B	1.04B	774M	426M	730M
Cash from Investing	13.89B	164M	203M	-152M	-34M
Long-Term Debt Issued, Total	1.75B	750M	2.32B	1.75B	3.5B
Total Debt Issued	1.75B	750M	2.32B	1.75B	3.5B
Long-Term Debt Repaid, Total	-665M	-1.76B	-1.5B	-2B	-2B
Total Debt Repaid	-665M	-1.76B	-1.5B	-2B	-2B
Issuance of Common Stock	8M	15M	19M	23M	30M
Repurchase of Common Stock	-15M	-1.82B	-513M	-1.29B	-872M
Common Dividends Paid	-216M	-1.18B	-1.73B	-3.95B	-3.21B
Common & Preferred Stock Dividends Paid	-216M	-1.18B	-1.73B	-3.95B	-3.21B
Other Financing Activities, Total	-774M	7M	2.8B	714M	-5.79B
Cash from Financing	88M	-3.98B	1.39B	-4.75B	-8.35B
Foreign Exchange Rate Adjustments	1M	1M	-1M	1M	-3M
Net Change in Cash	52.6B	-83.69B	17.34B	11.94B	-3.98B
Supplemental Items
Cash Interest Paid	2.64B	1.28B	7.4B	9.59B	7.49B
Cash Income Tax Paid (Refund)	851M	395M	59M	1.45B	1.06B
Net Debt Issued / Repaid	1.08B	-1.01B	818M	-250M	1.5B

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.92	0.49	0.8	0.94	0.91
Return On Equity %	17.22	9.03	13.75	15.83	15.65
Return on Common Equity	16.42	8.28	12.97	15.09	14.89
Shareholders Value Added	1.66B	-909M	711M	1.49B	1.46B
Margin Analysis
SG&A Margin	78.05	56.17	38.59	41	41.55
Net Interest Income / Total Revenues %	65.99	66.26	79.46	75.63	69.89
EBT Excl. Non-Recurring Items Margin %	11.4	41.95	55.37	57.77	57.96
Income From Continuing Operations Margin %	55.93	29.46	37.28	39.1	38.42
Net Income Margin %	55.92	29.44	37.28	39.05	38.37
Net Avail. For Common Margin %	53.29	26.98	35.12	37.24	36.54
Normalized Net Income Margin	7.09	26.18	34.59	36.05	36.16
Asset quality
Nonperforming Loans / Total Loans %	3.6	2.71	2.77	2.6	2.1
Nonperforming Loans / Total Assets %	1.91	1.7	1.65	1.54	1.22
Nonperforming Assets / Total Assets %	2.06	1.83	1.76	1.63	1.28
NPAs / Loans and OREO	3.87	2.91	2.94	2.75	2.19
NPAs / Equity	39.5	31.71	29.36	27.83	22.04
Allowance for Credit Losses / Net Charge-offs %	889.13	687.83	849.36	649.76	781.71
Allowance for Credit Losses / Nonperforming Loans %	63.7	73.38	73.04	68.98	77.88
Allowance for Credit Losses / Total Loans %	2.29	1.99	2.02	1.8	1.64
Net Charge-offs / Total Average Loans %	0.23	0.23	0.22	0.26	0.19
Provision for Loan Losses / Net Charge-offs %	96.56	82.06	141.83	102.33	115.57
Earning Assets / IBL	94.97	95.43	94.97	96.05	96.56
Interest Income / Average Assets	1.29	1.34	2.97	3.38	2.76
Interest Expense / Average Assets	0.3	0.33	1.31	1.58	1.12
Net Interest Income / Average Assets	0.98	1.01	1.66	1.8	1.64
Non Interest Income / Average Assets	0.65	0.64	0.63	0.75	0.85
Non Interest Expense / Average Asset	1.32	0.89	0.93	1.01	0.99
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.36	5.47	5.8	5.91	5.82
Total Average Equity / Total Average Assets %	5.36	5.48	5.81	5.91	5.82
Total Equity + Allowance for Loan Losses / Total Loans %	12.1	11.19	12.04	11.69	11.62
Gross Loans / Total Deposits %	74.13	88.21	90.71	87.8	86.73
Net Loans / Total Deposits %	72.35	86.35	88.77	86.13	85.31
Tier 1 Capital Ratio %	15.5	14.8	14.4	14	14.5
Total Capital Ratio %	17.9	17.3	17.1	16.6	17.5
Core Tier 1 Capital Ratio	13.1	12.8	12.4	12.2	12.6
Tier 2 Capital Ratio	2.4	2.6	2.8	2.7	3
Coverage Ratio	63.7	73.38	73.04	68.98	77.88
Interbank Ratio	57.38	95.4	62.99	134.9	74.64
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	-	-	693.4	-	-
EBT + Interest Expense / Interest Expense	3.77	2.87	1.85	1.85	2.18
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	22.19	14.79	52.88	9.07	-4.25
Non Interest Income, 1 Yr. Growth %	19.96	10.11	-10.87	20.32	19.14
Provision For Loan Losses, 1 Yr. Growth %	30	-1.56	38.62	-14.25	-11.21
Total Revenues, 1 Yr. Growth %	20.52	14.32	26.88	14.66	3.61
Earnings From Cont. Operations, 1 Yr. Growth %	278.49	-39.79	53.82	20.31	1.81
Net Income, 1 Yr. Growth %	278.42	-39.82	53.91	20.16	1.8
Normalized Net Income, 1 Yr. Growth %	-66.02	322.15	59.96	19.56	3.92
Diluted EPS Before Extra, 1 Yr. Growth %	217.4	-43.93	65.7	25.11	3.93
Dividend Per Share, 1 Yr. Growth %	445.9	57.62	69.95	11.05	14.89
Gross Loans, 1 Yr. Growth %	45.19	3.17	-2.63	2.67	5.96
Allowance For Loan Losses, 1 Yr. Growth %	47.26	-10.4	-0.96	-8.79	-5.41
Net Loans, 1 Yr. Growth %	45.17	3.49	-2.67	2.92	6.18
Non Performing Loans, 1 Yr. Growth %	57.06	-22.22	-0.51	-3.41	-16.23
Non Performing Assets, 1 Yr. Growth %	51.34	-22.37	-1.78	-3.85	-17.24
Total Assets, 1 Yr. Growth %	50.61	-12.91	1.39	3.93	5.24
Total Deposits, 1 Yr Growth %	61.89	-13.29	-4.14	6.08	4.93
Tangible Book Value, 1 Yr. Growth %	42.98	-4.76	9.32	1.4	4.67
Average Interest Earning Assets, 1 Yr. Growth %	45.03	13.71	-13.18	1.18	6.02
Average Interest Bearing Liabilities, 1 Yr. Growth %	45.42	13.17	-12.65	0.05	5.46
Common Equity, 1 Yr. Growth %	40.16	-3.29	7.82	1.45	4.56
Total Equity, 1 Yr. Growth %	40.14	-3.28	7.81	1.45	4.5
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	9.81	18.43	29.02	29.19	2.19
Non Interest Income, 2 Yr. CAGR %	9.62	15.2	-2.46	3.56	19.73
Provision For Loan Losses, 2 Yr. CAGR %	45.28	13.12	16.81	9.26	-12.74
Total Revenues, 2 Yr. CAGR %	7.54	17.5	17.58	20.64	9
Earnings From Cont. Operations, 2 Yr. CAGR %	74.94	50.96	-4.01	36.03	10.67
Net Income, 2 Yr. CAGR %	75.07	50.91	-4	36	10.6
Normalized Net Income, 2 Yr. CAGR %	-42.75	21.92	159.69	38.29	11.46
Diluted EPS Before Extra, 2 Yr. CAGR %	59.01	33.41	-3.88	43.98	14.03
Dividend Per Share, 2 Yr. CAGR %	44.57	193.33	63.67	37.38	12.95
Gross Loans, 2 Yr. CAGR %	24.67	22.39	0.26	-0.01	3.89
Allowance For Loan Losses, 2 Yr. CAGR %	32.57	14.87	-5.8	-4.95	-7.12
Net Loans, 2 Yr. CAGR %	24.53	22.57	0.4	0.09	4.1
Non Performing Loans, 2 Yr. CAGR %	24.34	10.53	-12.03	-1.97	-10.05
Non Performing Assets, 2 Yr. CAGR %	20.58	8.39	-12.68	-2.82	-10.8
Total Assets, 2 Yr. CAGR %	31.81	14.53	-5.51	2.65	4.58
Total Deposits, 2 Yr CAGR %	41.87	18.48	-8.37	0.84	5.51
Tangible Book Value, 2 Yr. CAGR %	19.63	16.69	1.4	5.28	3.02
Average Interest Earning Assets, 2 Yr. CAGR %	26.94	28.42	-4.49	-6.28	3.57
Average Interest Bearing Liabilities, 2 Yr. CAGR %	26.9	28.28	-4.31	-6.52	2.72
Common Equity, 2 Yr. CAGR %	18.7	16.43	1.28	4.58	2.99
Total Equity, 2 Yr. CAGR %	18.68	16.42	1.28	4.58	2.97
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	6.87	11.45	26.7	22.04	16.92
Non Interest Income, 3 Yr. CAGR %	12.95	9.78	4.67	4.61	8.51
Provision For Loan Losses, 3 Yr. CAGR %	93.4	27.6	21.05	5.49	1.96
Total Revenues, 3 Yr. CAGR %	6.4	9.76	18.63	16.62	14.67
Earnings From Cont. Operations, 3 Yr. CAGR %	35.63	22.59	51.65	3.49	23.51
Net Income, 3 Yr. CAGR %	38.08	22.64	51.65	3.46	23.48
Normalized Net Income, 3 Yr. CAGR %	-28.03	11.43	33.41	100.52	25.73
Diluted EPS Before Extra, 3 Yr. CAGR %	26.17	12.34	43.14	4.95	29.16
Dividend Per Share, 3 Yr. CAGR %	-4.88	48.79	144.54	43.82	29.43
Gross Loans, 3 Yr. CAGR %	15.94	17.05	13.43	1.06	1.2
Allowance For Loan Losses, 3 Yr. CAGR %	13.08	16.34	9.33	-6.8	-5.11
Net Loans, 3 Yr. CAGR %	16.02	17.08	13.53	1.23	1.35
Non Performing Loans, 3 Yr. CAGR %	6.47	6.34	6.72	-9.24	-6.97
Non Performing Assets, 3 Yr. CAGR %	6.12	4.12	4.89	-9.83	-7.89
Total Assets, 3 Yr. CAGR %	20.72	14.8	10.38	-2.46	3.5
Total Deposits, 3 Yr CAGR %	25.25	20.4	9.97	-3.78	2.19
Tangible Book Value, 3 Yr. CAGR %	14.14	10.88	13.71	1.4	5.08
Average Interest Earning Assets, 3 Yr. CAGR %	19.38	22.36	12.67	-2.63	-2.34
Average Interest Bearing Liabilities, 3 Yr. CAGR %	18.92	22.15	12.77	-2.88	-2.68
Common Equity, 3 Yr. CAGR %	13.3	10.86	12.86	1.34	4.57
Total Equity, 3 Yr. CAGR %	13.29	10.85	12.86	1.34	4.55
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	7.2	7.75	15.23	16.99	16.29
Non Interest Income, 5 Yr. CAGR %	11.1	8.7	6.51	6.59	10.45
Provision For Loan Losses, 5 Yr. CAGR %	13.9	1.87	58.08	19.9	6.27
Total Revenues, 5 Yr. CAGR %	8.22	8.74	10.74	12.9	14.69
Earnings From Cont. Operations, 5 Yr. CAGR %	37.7	12.83	18.11	27.67	33.7
Net Income, 5 Yr. CAGR %	37.93	13.31	19.39	27.69	33.66
Normalized Net Income, 5 Yr. CAGR %	-13.06	13.19	20.25	21.45	24.16
Diluted EPS Before Extra, 5 Yr. CAGR %	29.66	5.83	13.16	23.92	30.7
Dividend Per Share, 5 Yr. CAGR %	2.39	8.98	18.18	44.12	79.54
Gross Loans, 5 Yr. CAGR %	11.15	10.07	9.39	9.91	9.21
Allowance For Loan Losses, 5 Yr. CAGR %	4.31	1.66	5.11	7.3	2.43
Net Loans, 5 Yr. CAGR %	11.35	10.3	9.5	9.98	9.38
Non Performing Loans, 5 Yr. CAGR %	-2.01	-	-1.36	2.94	-0.33
Non Performing Assets, 5 Yr. CAGR %	-14.46	-	-1.84	1.28	-1.69
Total Assets, 5 Yr. CAGR %	14.34	9.1	9.45	10.02	8.02
Total Deposits, 5 Yr CAGR %	16.44	10.59	10.05	11.89	8.16
Tangible Book Value, 5 Yr. CAGR %	8.95	7.06	8.86	8.33	9.31
Average Interest Earning Assets, 5 Yr. CAGR %	18.97	15.12	10.91	9.96	8.94
Average Interest Bearing Liabilities, 5 Yr. CAGR %	18.54	14.56	10.65	9.71	8.64
Common Equity, 5 Yr. CAGR %	8.51	6.98	8.33	7.95	8.81
Total Equity, 5 Yr. CAGR %	8.5	6.62	8.32	7.95	8.79