CaixaBank, S.A. (CIXPF)

CaixaBank, S.A. (CIXPF) — VMCI valuation read

CIXPF screens at VMCI 56/100, a 6-point gap above the Financial Services sector median (50). For a mid-cap CaixaBank, S.A. share, that placement says the multi-pillar composite is cheaper or higher quality than the typical peer on a like-for-like basis.

CIXPF has logged no Form 4 insider activity over the trailing 30 days. The tape reads neither bullish nor bearish on insider conviction. The next signal sits with the 10-Q schedule and the analyst calendar.

**Investor frame.** Value: CIXPF trades at 24.0x earnings, 33% above the Financial Services median of 18.0x, while EV/EBITDA prints 9.0x against 12.0x for the Financial Services group. Quality: ROIC of 12.0% sits 2.0pp above the Financial Services median (10.0%), the cleanest like-for-like comparison on capital efficiency. Risk: net debt to EBITDA of 3.1x is the binding constraint on the bear case, which sets the rate-cycle exposure for CaixaBank, S.A..

CIXPF rose 0.3% over the trailing 7 days, with a -11.0% read on a 30-day basis.