Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
CaixaBankCIXPF 50 Cash-to-Debt is 0.54 as of Jun. 2026, which is 31% below its 10-year median of 0.78. GuruFocus rates CIXPF with a GF Score™ of 50/100 and a GF Value™ of $7.23 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,492 Banks companies, CaixaBank ranks worse than 66.55% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. CaixaBank's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.54.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, CaixaBankcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for CaixaBank's Cash-to-Debt or its related term are showing as below:
CIXPF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.39 Med: 0.78 Max: 2.39
Current: 0.74
During the past 13 years, CaixaBank's highest Cash to Debt Ratio was 2.39. The lowest was 0.39. And the median was 0.78.
CIXPF's Cash-to-Debt is ranked worse than 66.55% of 1492
companies
in the Banks industry
Industry Median: 1.37
vs CIXPF: 0.74
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
CaixaBank Cash-to-Debt Related Terms
CaixaBank Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for CaixaBank's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, CaixaBank's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
CaixaBank Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, CaixaBank's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where CaixaBank's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
CaixaBank (CIXPF) has a Cash-to-Debt of 0.54 as of Jun. 2026. This is 31% below median its historical median of 0.78. Over the past decade, CaixaBank's Cash-to-Debt has ranged from 0.39 to 2.39. According to the industry distribution chart, CaixaBank ranks #993 out of 1492 companies in the Banks industry, placing it in the top 66.6%.
Is CaixaBank's Cash-to-Debt too high?
CaixaBank's current Cash-to-Debt of 0.54 is 31% below median its 10-year median of 0.78. Over the past 10 years, this metric has ranged from a low of 0.39 to a high of 2.39. The Banks industry median Cash-to-Debt is 1.37. CaixaBank's value of 0.54 is 60.6% below this industry median. Based on the distribution chart, CaixaBank ranks #993 out of 1492 companies in the Banks industry, which is below the industry midpoint. Overall, CaixaBank has a GF Score™ of 50/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does CaixaBank's Cash-to-Debt compare to USB and PNC?
According to the Banks industry distribution chart, CaixaBank ranks #993 out of 1492 companies for Cash-to-Debt. This places CaixaBank in the lower half of its industry. The industry median Cash-to-Debt is 1.37. CaixaBank's value of 0.54 is 60.6% below this benchmark. Historically, CaixaBank's own Cash-to-Debt has ranged from 0.39 to 2.39 over the past decade. While the company's 10-year median is 0.78 vs. the industry median of 1.37, CaixaBank has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.37, based on 1,492 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CaixaBank's current Cash-to-Debt of 0.54 is 60.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CaixaBank's current Cash-to-Debt is 0.54, which is 31% below median its own 10-year median of 0.78. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CaixaBank stock overvalued right now?
Based on GuruFocus' analysis, CaixaBank (CIXPF) is currently considered Significantly Overvalued. The stock's GF Value™ is $7.23, compared to a current price of $15.44 — trading 113.6% above its estimated fair value. The current Cash-to-Debt is 0.54, which is 31% below median its 10-year median of 0.78 and 60.6% below the Banks industry median of 1.37. CaixaBank's overall GF Score™ is 50/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For CaixaBank (CIXPF), the current Cash-to-Debt is 0.54 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is CaixaBank (CIXPF) Overvalued in 2026?
Based on GuruFocus' analysis, CaixaBank stock appears to be overvalued.
The current stock price of $15.44 is trading 113.6% above its estimated GF Value™ of $7.23.
GuruFocus considers CaixaBank to be Significantly Overvalued.
Key valuation signals for CIXPF:
Cash-to-Debt: 0.54 (31% below median its 10-year median of 0.78)
GF Value™: $7.23 vs. price of $15.44 (113.6% above fair value)
Industry Position: 60.6% below the Banks median (#993 of 1492)
No single metric tells the full story. See the CIXPF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CaixaBank SA is a Spanish bank that combines banking, insurance, and equity investment businesses. Its operations include retail banking, corporate banking, cash management, surplus management, and the allocation of income from financing the equity investment business. It consists of business segments of the Banking and insurance business, BPI, and Corporate center. The majority of its revenue comes from the Banking and insurance business. The company has a geographic presence in Spain, Portugal, America, the Rest of the European Union, and the Rest of the world. In which Spain generates the majority of its revenue.
50GF Score
Get the complete analysis for CIXPF
Cash-to-Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CIXPF has been successfully added to your 
