CaixaBank vs UniCredit (CABK vs UCG.MI)
CaixaBank (CABK) vs UniCredit (UCG.MI) in plain English: P/E, growth, margins, debt and dividend side by side, key differences and which fits each investor profile.
CaixaBank (CABK) and UniCredit (UCG.MI) compete in banking. Here are CaixaBank and UniCredit side by side with their real figures as of November 4, 2026: what sets them apart, which fits each kind of investor and the most common questions, without telling you whether to buy CaixaBank or UniCredit.
CaixaBank vs UniCredit: the figures
| Figure | CaixaBank | UniCredit |
|---|---|---|
| Share price | €11.90 (November 4, 2026) | €78.32 (November 4, 2026) |
| Market cap | €82.6 billion | €117.3 billion |
| P/E (TTM) | 12.9x | 11.2x |
| Forward P/E | 11.0x | 9.2x |
| Revenue growth (quarter) | +7.7% | -9.2% |
| Net margin (TTM) | 40.6% | 44.0% |
| ROE | 16.5% | 15.8% |
| Dividend yield | 4.40% | 4.24% |
| Beta | 0.11 | 1.09 |
CaixaBank and UniCredit figures from Yahoo Finance, the same source the Fintols analysis uses, retrieved on November 4, 2026; N/A means that CaixaBank or UniCredit figure is not available, and we never estimate it.
3 key differences between CaixaBank and UniCredit
- Growth: CaixaBank grew sales +7.7% year on year in its latest quarter, against -9.2% for UniCredit.
- Volatility: UniCredit stock moves more (beta 1.09) than CaixaBank (beta 0.11); the higher the beta, the more it amplifies market swings.
- Valuation: CaixaBank trades at 12.9x its annual earnings and UniCredit at 11.2x; the market pays more for each dollar of CaixaBank profit, usually because it expects more growth.
CaixaBank or UniCredit: which fits your profile
- If you want growth: CaixaBank is growing faster today, so it fits better with investors who put business growth first, usually accepting a higher P/E and a bumpier ride.
- If you want income (dividends): CaixaBank pays the higher dividend relative to its price.
- If you prefer caution: CaixaBank has a less volatile share price, which usually gives more room in a bad year.
- If price is what matters most to you: UniCredit trades on the lower P/E; check first whether that is an opportunity or a sign of a business that grows less.
Neither CaixaBank nor UniCredit wins on everything, and owning both is also an option: spreading money across several companies or an index fund reduces what rides on each one.
How CaixaBank and UniCredit make money
CaixaBank (CABK)
CaixaBank reports three segments: banking in Spain, its largest, with loans, mortgages, deposits and cards for individuals and businesses; insurance, through VidaCaixa's life, pension and savings products; and BPI, its Portuguese bank. Most income comes from net interest on lending and from fees on funds, insurance and payments. Full CaixaBank analysis.
UniCredit (UCG.MI)
UniCredit makes money from lending, deposits and fees charged to households and businesses. It reports by geography: Italy, its biggest market; Germany, through HypoVereinsbank; Central Europe (Austria and neighboring countries); and Eastern Europe. It also holds stakes in other European banks. Full UniCredit analysis.
Frequently asked questions: CaixaBank vs UniCredit
Is CaixaBank or UniCredit the better stock?
Choosing between CaixaBank and UniCredit depends on what you are looking for. CaixaBank is growing faster right now, and UniCredit trades on the lower P/E. Fintols does not tell you whether to buy CaixaBank or UniCredit: it shows you the differences so you can decide.
Which pays a higher dividend, CaixaBank or UniCredit?
As of November 4, 2026, CaixaBank yields 4.40% and UniCredit yields 4.24%. Also check how much of their profit CaixaBank and UniCredit pay out: if it is more than they earn, it cannot last.
Which is more expensive, CaixaBank or UniCredit?
On P/E, CaixaBank (12.9x) is more expensive than UniCredit (11.2x) as of November 4, 2026. A higher P/E can be justified if earnings grow faster, so compare it with each company's growth in the table.
Can I own both CaixaBank and UniCredit?
Yes. Many people spread their money across several companies, such as CaixaBank and UniCredit, or use index funds so they do not depend on just one. If you are starting out, decide how much you want to invest and for how long before buying CaixaBank or UniCredit.
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More companies like CaixaBank and UniCredit: banking stocks. Educational content about CaixaBank and UniCredit, not investment advice.