Financials CaixaBank, S.A.

Equities

CABK

ES0140609019

Banks

Market Closed - BME Other stock markets 03:43:04 17/01/26 am AEDT			5-day change	1st Jan Change
10.70 ^EUR	+0.90%		+1.81%	+2.49%

16/01	IBEX 35 Breaks Seven-Week Winning Streak Amid Fed Uncertainty and Geopolitical Tensions	RE
14/01	Spanish banks' ECB borrowing at around 9 mln euros in December	RE

Projected Income Statement: CaixaBank, S.A.

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net sales ¹	8,409	10,274	11,594	13,771	15,873	16,225	16,917	18,018
Change	-	22.18%	12.85%	18.78%	15.26%	2.22%	4.27%	6.51%
EBITDA	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
EBIT ¹	3,830	4,343	5,574	8,419	9,765	9,814	10,326	11,011
Change	-	13.39%	28.34%	51.04%	15.99%	0.5%	5.22%	6.64%
Interest Paid	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	1,601	5,315	4,326	6,924	8,319	8,618	8,975	9,720
Change	-	231.98%	-18.61%	60.06%	20.15%	3.59%	4.14%	8.3%
Net income ¹	1,381	5,226	3,145	4,816	5,787	5,767	6,044	6,504
Change	-	278.42%	-39.82%	53.13%	20.16%	-0.35%	4.81%	7.61%
Announcement Date	29/1/21	28/1/22	3/2/23	2/2/24	30/1/25	-	-	-

¹EUR in Million

Estimates

Fiscal Period: December	2020 Q4	2021 Q1	2021 Q2	2021 Q3	2021 Q4	2022 Q1	2022 Q2	2022 Q3	2022 Q4	2023 Q1	2023 Q2	2023 Q3	2023 Q4	2024 Q1	2024 Q2	2024 Q3	2024 Q4	2025 Q1	2025 Q2	2025 Q3	2025 Q4	2026 Q1	2026 Q2	2026 Q3
Net sales ¹	2,149	2,063	2,820	2,828	2,563	2,775	2,880	2,992	2,947	3,101	3,572	4,016	3,666	3,496	4,205	4,092	4,080	4,011	4,030	4,077	4,118	4,122	4,181	4,293
Change	-	-4%	36.69%	0.28%	-9.37%	8.27%	3.78%	3.89%	-1.5%	5.23%	15.19%	12.43%	-8.72%	-4.64%	20.28%	-2.69%	-0.29%	-1.69%	0.47%	1.17%	1%	0.1%	1.43%	2.7%
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBIT ¹	1,055	874	-708	1,221	987	1,244	1,376	1,476	1,443	1,662	2,118	2,545	2,095	1,988	2,685	2,557	2,535	2,431	2,431	2,458	2,490	2,505	2,483	2,551
Change	-	-17.16%	-181.01%	272.46%	-19.16%	26.04%	10.61%	7.27%	-2.24%	15.18%	27.44%	20.16%	-17.68%	-5.11%	35.06%	-4.77%	-0.86%	-4.1%	0%	1.11%	1.31%	0.59%	-0.88%	2.76%
Charge d'intérêts	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	718	4,954	-987	794	554	962	1,158	1,251	955	1,359	1,795	2,140	1,630	1,620	2,320	2,215	2,165	2,186	2,167	2,128	2,107	-	-	-
Change	-	589.97%	-119.92%	180.45%	-30.23%	73.65%	20.37%	8.03%	-23.66%	42.3%	32.08%	19.22%	-23.83%	-0.61%	43.21%	-4.53%	-2.26%	0.97%	-0.87%	-1.8%	-0.99%	-	-	-
Net income ¹	655	4,786	-605	620	425	707	866	884	688	855	1,281	1,522	1,157	1,005	1,670	1,573	1,539	1,470	1,482	1,445	1,423	1,601	1,613	1,574
Change	-	630.69%	-112.64%	202.48%	-31.45%	66.35%	22.49%	2.08%	-22.17%	24.27%	49.82%	18.81%	-23.98%	-13.14%	66.17%	-5.81%	-2.16%	-4.48%	0.82%	-2.5%	-1.52%	12.53%	0.73%	-2.42%
Announcement Date	29/1/21	6/5/21	30/7/21	29/10/21	28/1/22	29/4/22	29/7/22	28/10/22	3/2/23	5/5/23	28/7/23	27/10/23	2/2/24	30/4/24	31/7/24	31/10/24	30/1/25	30/4/25	30/7/25	31/10/25	-	-	-	-

¹EUR in Million

Estimates

Forecast Balance Sheet: CaixaBank, S.A.

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net Debt	-	-	-	-	500	-	-	-
Change	-	-	-	-	-	-	-	-
Announcement Date	29/1/21	28/1/22	3/2/23	2/2/24	30/1/25	-	-	-

Estimates

Cash Flow Forecast: CaixaBank, S.A.

Fiscal Period: December	2019	2020	2021	2022	2023	2024
CAPEX ¹	525	403	358	440	412	317
Change	-	-23.24%	-11.17%	22.91%	-6.36%	-23.06%
Free Cash Flow (FCF) ¹	-	-	-	-	-	-
Change	-	-	-	-	-	-
Announcement Date	24/2/20	19/2/21	26/2/22	17/2/23	16/2/24	21/2/25

¹EUR in Million

Estimates

Forecast Financial Ratios: CaixaBank, S.A.

Fiscal Period: December	2019	2020	2021	2022	2023	2024	2025	2026	2027
Profitability
EBITDA Margin (%)	-	-	-	-	-	-	-	-	-
EBIT Margin (%)	-	45.55%	42.27%	48.08%	61.14%	61.52%	60.49%	61.04%	61.11%
EBT Margin (%)	-	19.04%	51.73%	37.31%	50.28%	52.41%	53.12%	53.05%	53.94%
Net margin (%)	-	16.42%	50.87%	27.13%	34.97%	36.46%	35.54%	35.73%	36.1%
FCF margin (%)	-	-	-	-	-	-	-	-	-
FCF / Net Income (%)	-	-	-	-	-	-	-	-	-
Profitability
ROA	-	0.3%	0.3%	-	0.7%	0.9%	0.89%	0.88%	0.93%
ROE	-	5%	6.4%	-	13.2%	15.4%	15.01%	15.22%	15.7%
Financial Health
Leverage (Debt/EBITDA)	-	-	-	-	-	-	-	-	-
Debt / Free cash flow	-	-	-	-	-	-	-	-	-
Capital Intensity
CAPEX / Current Assets (%)	-	-	-	-	-	-	-	-	-
CAPEX / EBITDA (%)	-	-	-	-	-	-	-	-	-
CAPEX / FCF (%)	-	-	-	-	-	-	-	-	-
Items per share
Cash flow per share ¹	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-
Dividend per Share ¹	-	0.0268	0.12	-	0.39	0.44	0.4811	0.5092	0.5548
Change	-	-	347.76%	-	-	12.82%	9.34%	5.85%	8.96%
Book Value Per Share ¹	-	4.22	4.39	-	4.93	5.17	5.464	5.697	5.991
Change	-	-	4.03%	-	-	4.87%	5.69%	4.27%	5.15%
EPS ¹	-	0.231	0.6899	0.4196	0.6537	0.79	0.805	0.8597	0.9362
Change	-	-	198.66%	-39.18%	55.79%	20.85%	1.9%	6.8%	8.9%
Nbr of stocks (in thousands)	-	5,977,356	8,053,422	7,862,223	7,477,219	7,174,938	7,024,521	7,024,521	7,024,521
Announcement Date	-	29/1/21	28/1/22	3/2/23	2/2/24	30/1/25	-	-	-