1SAB Fundamental Analysis - BANCO DE SABADELL SA

Fundamental Rating

Overall 1SAB gets a fundamental rating of 3 out of 10. We evaluated 1SAB against 95 industry peers in the Banks industry. 1SAB has a medium profitability rating, but doesn't score so well on its financial health evaluation. 1SAB has a valuation in line with the averages, but it does not seem to be growing. 1SAB also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

1SAB had positive earnings in the past year.

1SAB had a negative operating cash flow in the past year.

In the past 5 years 1SAB has always been profitable.

In multiple years 1SAB reported negative operating cash flow during the last 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of 1.15%, 1SAB belongs to the top of the industry, outperforming 81.05% of the companies in the same industry.

Looking at the Return On Equity, with a value of 20.09%, 1SAB belongs to the top of the industry, outperforming 94.74% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.15%
ROE	20.09%
ROIC	N/A

ROA(3y)0.52%

ROA(5y)0.34%

ROE(3y)8.76%

ROE(5y)5.92%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

1SAB has a Profit Margin of 25.92%. This is in the better half of the industry: 1SAB outperforms 73.68% of its industry peers.

1SAB's Profit Margin has improved in the last couple of years.

The Operating Margin and Gross Margin are not available for 1SAB so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	25.92%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y48.43%

PM growth 5Y12.31%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

1SAB does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, 1SAB has about the same amount of shares outstanding.

Compared to 5 years ago, 1SAB has less shares outstanding

1SAB has a worse debt/assets ratio than last year.

2.2 Solvency

A Debt/Equity ratio of 3.32 is on the high side and indicates that 1SAB has dependencies on debt financing.

With a Debt to Equity ratio value of 3.32, 1SAB is not doing good in the industry: 72.63% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
Debt/Equity	3.32
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.14%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

1SAB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 40.91%, which is quite impressive.

1SAB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 16.45% yearly.

Looking at the last year, 1SAB shows a small growth in Revenue. The Revenue has grown by 6.68% in the last year.

1SAB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.73% yearly.

EPS 1Y (TTM)40.91%

EPS 3Y25.99%

EPS 5Y16.45%

EPS Q2Q%0%

Revenue 1Y (TTM)6.68%

Revenue growth 3Y7.16%

Revenue growth 5Y4.73%

Sales Q2Q%-2.38%

3.2 Future

Based on estimates for the next years, 1SAB will show a small growth in Earnings Per Share. The EPS will grow by 3.61% on average per year.

The Revenue is expected to decrease by -3.95% on average over the next years.

EPS Next Y23.29%

EPS Next 2Y11.2%

EPS Next 3Y7.7%

EPS Next 5Y3.61%

Revenue Next Year2.02%

Revenue Next 2Y-0.66%

Revenue Next 3Y0.05%

Revenue Next 5Y-3.95%

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

1SAB is valuated reasonably with a Price/Earnings ratio of 10.80.

Based on the Price/Earnings ratio, 1SAB is valued a bit more expensive than the industry average as 62.11% of the companies are valued more cheaply.

Compared to an average S&P500 Price/Earnings ratio of 27.38, 1SAB is valued rather cheaply.

With a Price/Forward Earnings ratio of 9.67, the valuation of 1SAB can be described as very reasonable.

1SAB's Price/Forward Earnings is on the same level as the industry average.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.86, 1SAB is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.8
Fwd PE	9.67

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

PEG (NY)0.46

PEG (5Y)0.66

EPS Next 2Y11.2%

EPS Next 3Y7.7%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.83%, 1SAB is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 4.93, 1SAB has a dividend in line with its industry peers.

Compared to an average S&P500 Dividend Yield of 2.38, 1SAB pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.83%

5.2 History

On average, the dividend of 1SAB grows each year by 61.84%, which is quite nice.

Dividend Growth(5Y)61.84%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

37.66% of the earnings are spent on dividend by 1SAB. This is a low number and sustainable payout ratio.

The dividend of 1SAB is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP37.66%

EPS Next 2Y11.2%

EPS Next 3Y7.7%

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BANCO DE SABADELL SA

BIT:1SAB (9/11/2025, 7:00:00 PM)

3.349

0 (-0.03%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-24 2025-07-24/bmo

Earnings (Next)10-29 2025-10-29

Inst Owners39.53%

Inst Owner ChangeN/A

Ins Owners0.17%

Ins Owner ChangeN/A

Market Cap17.71B

Analysts76

Price Target3.27 (-2.36%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.83%

Yearly Dividend0.11

Dividend Growth(5Y)61.84%

DP37.66%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)5.2%

Min EPS beat(2)-0.99%

Max EPS beat(2)11.39%

EPS beat(4)1

Avg EPS beat(4)-10.27%

Min EPS beat(4)-50.49%

Max EPS beat(4)11.39%

EPS beat(8)3

Avg EPS beat(8)-8.94%

EPS beat(12)6

Avg EPS beat(12)45.55%

EPS beat(16)9

Avg EPS beat(16)79.25%

Revenue beat(2)1

Avg Revenue beat(2)-0.85%

Min Revenue beat(2)-2.93%

Max Revenue beat(2)1.23%

Revenue beat(4)2

Avg Revenue beat(4)-0.81%

Min Revenue beat(4)-3.23%

Max Revenue beat(4)1.69%

Revenue beat(8)5

Avg Revenue beat(8)0.26%

Revenue beat(12)9

Avg Revenue beat(12)17.05%

Revenue beat(16)13

Avg Revenue beat(16)25.79%

PT rev (1m)10.23%

PT rev (3m)20.96%

EPS NQ rev (1m)12.5%

EPS NQ rev (3m)N/A

EPS NY rev (1m)11.82%

EPS NY rev (3m)11.82%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)1.46%

Revenue NY rev (3m)1.46%

Valuation

		Industry Rank	Sector Rank
PE	10.8
Fwd PE	9.67
P/S	1.58
P/FCF	N/A
P/OCF	N/A
P/B	1.23
P/tB	1.49
EV/EBITDA	N/A

EPS(TTM)0.31

EY9.26%

EPS(NY)0.35

Fwd EY10.34%

FCF(TTM)-0.4

FCFYN/A

OCF(TTM)-0.3

OCFYN/A

SpS2.12

BVpS2.73

TBVpS2.25

PEG (NY)0.46

PEG (5Y)0.66

Profitability

		Industry Rank	Sector Rank
ROA	1.15%
ROE	20.09%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	25.92%
GM	N/A
FCFM	N/A

ROA(3y)0.52%

ROA(5y)0.34%

ROE(3y)8.76%

ROE(5y)5.92%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y48.43%

PM growth 5Y12.31%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	3.32
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	109.01%
Cap/Sales	4.71%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC5.14%

ROIC/WACCN/A

Cap/Depr(3y)97.11%

Cap/Depr(5y)103.44%

Cap/Sales(3y)7.47%

Cap/Sales(5y)8.24%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)40.91%

EPS 3Y25.99%

EPS 5Y16.45%

EPS Q2Q%0%

EPS Next Y23.29%

EPS Next 2Y11.2%

EPS Next 3Y7.7%

EPS Next 5Y3.61%

Revenue 1Y (TTM)6.68%

Revenue growth 3Y7.16%

Revenue growth 5Y4.73%

Sales Q2Q%-2.38%

Revenue Next Year2.02%

Revenue Next 2Y-0.66%

Revenue Next 3Y0.05%

Revenue Next 5Y-3.95%

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y85.79%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y88.95%

OCF growth 3YN/A

OCF growth 5YN/A

BANCO DE SABADELL SA (1SAB.MI) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens