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CaixaBank combines a large deposit-funded lending franchise with fees, insurance and investment income. Its multi-year results show rising earnings capacity, while net interest income remains sensitive to changes in rates, funding costs and business volumes.
The June 2026 results show renewed growth in interest income alongside continued gains in non-interest income and profit. This is a meaningful improvement after lower annual net interest income in 2025, but the evidence points to a stronger phase within the existing banking model rather than a change in that model.
Whether loan and customer-fund growth can sustain net interest income as lending yields and deposit costs evolve.
| Metric | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| 4.2B | 4.7B | 4.9B | 5B | 4.9B | 6B | 6.6B | 10.1B | 11.1B | 10.7B | |
| 6.8B | 7B | 6.9B | 7.1B | 6.8B | 7.9B | 9.2B | 18.2B | 20.9B | 18B | |
| 2.6B | 2.2B | 2B | 2.1B | 1.9B | 1.9B | 2.6B | 8.1B | 9.8B | 7.4B | |
| 5.4B | 5.7B | 6B | 5.6B | 5.9B | 11.4B | 8.8B | 8.6B | 8.5B | 9B | |
| 9.6B | 10.5B | 10.9B | 10.5B | 10.8B | 17.3B | 15.3B | 18.7B | 19.7B | 19.7B | |
| (468m) | (805m) | (124m) | (425m) | (690m) | (897m) | (883m) | (1.2B) | (1.1B) | (935m) | |
| (7.6B) | (7.6B) | (8B) | (8B) | (8.5B) | (11.1B) | (10.1B) | (10.6B) | (10.3B) | (10.1B) | |
| 1.5B | 2.1B | 2.8B | 2.1B | 1.6B | 5.3B | 4.3B | 6.9B | 8.3B | 8.7B | |
| (482m) | (378m) | (712m) | (369m) | (219m) | (88m) | (1.2B) | (2.1B) | (2.5B) | (2.8B) | |
| 1.1B | 1.7B | 2.1B | 1.7B | 1.4B | 5.2B | 3.1B | 4.8B | 5.8B | 5.9B | |
| (8m) | (34m) | (56m) | (3m) | 0 | (3m) | (4m) | (2m) | (8m) | (10m) | |
| 1B | 1.7B | 1.9B | 1.6B | 1.2B | 5B | 2.9B | 4.5B | 5.8B | 5.9B | |
| 0.18 | 0.28 | 0.33 | 0.26 | 0.21 | 0.66 | 0.37 | 0.61 | 0.80 | 0.83 |
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Stock intrinsic value is the real worth of a company's stock, based on its financial health and performance.
Instead of looking at the stock's current market price, which can change due to people's opinions and emotions, intrinsic value helps us understand if a stock is truly a good deal or not.
By focusing on the company's actual financial strength, like its earnings and debts, we can make better decisions about which stocks to buy and when.
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