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

BIT:1SAB • ES0113860A34

Current stock price

3.196 EUR
+0.07 (+2.17%)
Last:

This 1SAB.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. 1SAB.MI Profitability Analysis

1.1 Basic Checks

  • In the past year 1SAB was profitable.
  • In the past year 1SAB had a positive cash flow from operations.
  • Each year in the past 5 years 1SAB has been profitable.
  • In multiple years 1SAB reported negative operating cash flow during the last 5 years.
1SAB.MI Yearly Net Income VS EBIT VS OCF VS FCF1SAB.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10B -10B 20B

1.2 Ratios

  • 1SAB has a better Return On Assets (1.03%) than 67.27% of its industry peers.
  • 1SAB has a Return On Equity of 18.04%. This is amongst the best in the industry. 1SAB outperforms 87.27% of its industry peers.
Industry RankSector Rank
ROA 1.03%
ROE 18.04%
ROIC N/A
ROA(3y)0.63%
ROA(5y)0.48%
ROE(3y)10.64%
ROE(5y)8.24%
ROIC(3y)N/A
ROIC(5y)N/A
1SAB.MI Yearly ROA, ROE, ROIC1SAB.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • With a decent Profit Margin value of 26.82%, 1SAB is doing good in the industry, outperforming 71.82% of the companies in the same industry.
  • 1SAB's Profit Margin has improved in the last couple of years.
  • 1SAB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 26.82%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y27.68%
PM growth 5Y287.65%
GM growth 3YN/A
GM growth 5YN/A
1SAB.MI Yearly Profit, Operating, Gross Margins1SAB.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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2

2. 1SAB.MI Health Analysis

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 less shares outstanding
  • The number of shares outstanding for 1SAB has been reduced compared to 5 years ago.
  • The debt/assets ratio for 1SAB has been reduced compared to a year ago.
1SAB.MI Yearly Shares Outstanding1SAB.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B
1SAB.MI Yearly Total Debt VS Total Assets1SAB.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50B 100B 150B 200B 250B

2.2 Solvency

  • 1SAB has a debt to FCF ratio of 25.33. This is a negative value and a sign of low solvency as 1SAB would need 25.33 years to pay back of all of its debts.
  • 1SAB has a Debt to FCF ratio (25.33) which is comparable to the rest of the industry.
  • A Debt/Equity ratio of 1.92 is on the high side and indicates that 1SAB has dependencies on debt financing.
  • 1SAB has a Debt to Equity ratio of 1.92. This is comparable to the rest of the industry: 1SAB outperforms 48.18% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.92
Debt/FCF 25.33
Altman-Z N/A
ROIC/WACCN/A
WACC5.53%
1SAB.MI Yearly LT Debt VS Equity VS FCF1SAB.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10B -10B 20B 30B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
1SAB.MI Yearly Current Assets VS Current Liabilites1SAB.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

2

3. 1SAB.MI Growth Analysis

3.1 Past

  • 1SAB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.86%, which is quite good.
  • Measured over the past years, 1SAB shows a very strong growth in Earnings Per Share. The EPS has been growing by 75.18% on average per year.
  • The Revenue for 1SAB has decreased by -11.58% in the past year. This is quite bad
  • Measured over the past years, 1SAB shows a decrease in Revenue. The Revenue has been decreasing by -1.42% on average per year.
EPS 1Y (TTM)17.86%
EPS 3Y22.39%
EPS 5Y75.18%
EPS Q2Q%75%
Revenue 1Y (TTM)-11.58%
Revenue growth 3Y0.17%
Revenue growth 5Y-1.42%
Sales Q2Q%-3.6%

3.2 Future

  • The Earnings Per Share is expected to grow by 2.22% on average over the next years.
  • 1SAB is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -1.78% yearly.
EPS Next Y0.42%
EPS Next 2Y0.09%
EPS Next 3Y2.57%
EPS Next 5Y2.22%
Revenue Next Year-14.58%
Revenue Next 2Y-7.44%
Revenue Next 3Y-3.77%
Revenue Next 5Y-1.78%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
1SAB.MI Yearly Revenue VS Estimates1SAB.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2B 4B 6B
1SAB.MI Yearly EPS VS Estimates1SAB.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 0.1 0.2 0.3

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5

4. 1SAB.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 9.68, the valuation of 1SAB can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of 1SAB indicates a somewhat cheap valuation: 1SAB is cheaper than 73.64% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of 1SAB to the average of the S&P500 Index (27.53), we can say 1SAB is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 9.64, the valuation of 1SAB can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of 1SAB indicates a rather cheap valuation: 1SAB is cheaper than 82.73% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 37.95, 1SAB is valued rather cheaply.
Industry RankSector Rank
PE 9.68
Fwd PE 9.64
1SAB.MI Price Earnings VS Forward Price Earnings1SAB.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of 1SAB is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 15.04
EV/EBITDA N/A
1SAB.MI Per share data1SAB.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0.5 1 1.5 2 2.5

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)22.97
PEG (5Y)0.13
EPS Next 2Y0.09%
EPS Next 3Y2.57%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. 1SAB.MI Dividend Analysis

5.1 Amount

  • No dividends for 1SAB!.
Industry RankSector Rank
Dividend Yield 0%

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1SAB.MI Fundamentals: All Metrics, Ratios and Statistics

BANCO DE SABADELL SA

BIT:1SAB (4/8/2026, 7:00:00 PM)

3.196

+0.07 (+2.17%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-06
Earnings (Next)05-06
Inst Owners42.77%
Inst Owner ChangeN/A
Ins Owners0.18%
Ins Owner ChangeN/A
Market Cap16.06B
Revenue(TTM)9.45B
Net Income(TTM)2.53B
Analysts70.4
Price Target3.65 (14.21%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly Dividend0.26
Dividend Growth(5Y)67.51%
DP53.94%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-12.68%
Min EPS beat(2)-13.37%
Max EPS beat(2)-11.99%
EPS beat(4)1
Avg EPS beat(4)-3.74%
Min EPS beat(4)-13.37%
Max EPS beat(4)11.39%
EPS beat(8)3
Avg EPS beat(8)-2.24%
EPS beat(12)5
Avg EPS beat(12)40.85%
EPS beat(16)7
Avg EPS beat(16)45.93%
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0.89%
PT rev (3m)2.41%
EPS NQ rev (1m)87.5%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-0.25%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-4.36%
Valuation
Industry RankSector Rank
PE 9.68
Fwd PE 9.64
P/S 1.7
P/FCF 15.04
P/OCF 9.57
P/B 1.14
P/tB 1.39
EV/EBITDA N/A
EPS(TTM)0.33
EY10.33%
EPS(NY)0.33
Fwd EY10.37%
FCF(TTM)0.21
FCFY6.65%
OCF(TTM)0.33
OCFY10.45%
SpS1.88
BVpS2.8
TBVpS2.3
PEG (NY)22.97
PEG (5Y)0.13
Graham Number4.55649 (42.57%)
Profitability
Industry RankSector Rank
ROA 1.03%
ROE 18.04%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.82%
GM N/A
FCFM 11.29%
ROA(3y)0.63%
ROA(5y)0.48%
ROE(3y)10.64%
ROE(5y)8.24%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y27.68%
PM growth 5Y287.65%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 1.92
Debt/FCF 25.33
Debt/EBITDA N/A
Cap/Depr 145.08%
Cap/Sales 6.46%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 42.12%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC5.53%
ROIC/WACCN/A
Cap/Depr(3y)124.8%
Cap/Depr(5y)109.84%
Cap/Sales(3y)9.06%
Cap/Sales(5y)8.54%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)17.86%
EPS 3Y22.39%
EPS 5Y75.18%
EPS Q2Q%75%
EPS Next Y0.42%
EPS Next 2Y0.09%
EPS Next 3Y2.57%
EPS Next 5Y2.22%
Revenue 1Y (TTM)-11.58%
Revenue growth 3Y0.17%
Revenue growth 5Y-1.42%
Sales Q2Q%-3.6%
Revenue Next Year-14.58%
Revenue Next 2Y-7.44%
Revenue Next 3Y-3.77%
Revenue Next 5Y-1.78%
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 1Y109.19%
FCF growth 3YN/A
FCF growth 5Y-44.21%
OCF growth 1Y115.17%
OCF growth 3YN/A
OCF growth 5Y-39.33%

BANCO DE SABADELL SA / 1SAB.MI Fundamental Analysis FAQ

What is the fundamental rating for 1SAB stock?

ChartMill assigns a fundamental rating of 3 / 10 to 1SAB.MI.


What is the valuation status for 1SAB stock?

ChartMill assigns a valuation rating of 5 / 10 to BANCO DE SABADELL SA (1SAB.MI). This can be considered as Fairly Valued.


How profitable is BANCO DE SABADELL SA (1SAB.MI) stock?

BANCO DE SABADELL SA (1SAB.MI) has a profitability rating of 4 / 10.


What is the earnings growth outlook for BANCO DE SABADELL SA?

The Earnings per Share (EPS) of BANCO DE SABADELL SA (1SAB.MI) is expected to grow by 0.42% in the next year.


Is the dividend of BANCO DE SABADELL SA sustainable?

The dividend rating of BANCO DE SABADELL SA (1SAB.MI) is 0 / 10 and the dividend payout ratio is 53.94%.