BANCO DE SABADELL SA(BIT:1SAB) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, 1SAB scores 3 out of 10 in our fundamental rating. 1SAB was compared to 95 industry peers in the Banks industry. While 1SAB is still in line with the averages on profitability rating, there are concerns on its financial health. 1SAB has a valuation in line with the averages, but on the other hand it scores bad on growth. Finally 1SAB also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year 1SAB was profitable.

In the past year 1SAB has reported a negative cash flow from operations.

1SAB had positive earnings in each of the past 5 years.

The reported operating cash flow has been mixed in the past 5 years: 1SAB reported negative operating cash flow in multiple years.

1.2 Ratios

1SAB has a Return On Assets of 1.06%. This is in the better half of the industry: 1SAB outperforms 72.63% of its industry peers.

1SAB has a Return On Equity of 16.93%. This is amongst the best in the industry. 1SAB outperforms 87.37% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.06%
ROE	16.93%
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's Profit Margin of 23.77% is fine compared to the rest of the industry. 1SAB outperforms 66.32% of its industry peers.

In the last couple of years the Profit Margin of 1SAB has grown nicely.

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)	23.77%
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.

The number of shares outstanding for 1SAB remains at a similar level compared to 1 year ago.

1SAB has less shares outstanding than it did 5 years ago.

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

2.2 Solvency

A Debt/Equity ratio of 2.20 is on the high side and indicates that 1SAB has dependencies on debt financing.

With a Debt to Equity ratio value of 2.20, 1SAB is not doing good in the industry: 60.00% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
Debt/Equity	2.2
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.16%

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 slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -9.68%.

Measured over the past years, 1SAB shows a quite strong growth in Earnings Per Share. The EPS has been growing by 16.45% on average per year.

1SAB shows a small growth in Revenue. In the last year, the Revenue has grown by 7.56%.

Measured over the past years, 1SAB shows a small growth in Revenue. The Revenue has been growing by 4.73% on average per year.

EPS 1Y (TTM)-9.68%

EPS 3Y25.99%

EPS 5Y16.45%

EPS Q2Q%-20%

Revenue 1Y (TTM)7.56%

Revenue growth 3Y7.16%

Revenue growth 5Y4.73%

Sales Q2Q%4.58%

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 0.53% on average per year.

Based on estimates for the next years, 1SAB will show a decrease in Revenue. The Revenue will decrease by -1.14% on average per year.

EPS Next Y10.26%

EPS Next 2Y5.42%

EPS Next 3Y6.48%

EPS Next 5Y0.53%

Revenue Next Year0.3%

Revenue Next 2Y0.98%

Revenue Next 3Y1.56%

Revenue Next 5Y-1.14%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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

The Price/Earnings ratio is 9.10, which indicates a very decent valuation of 1SAB.

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

Compared to an average S&P500 Price/Earnings ratio of 24.29, 1SAB is valued rather cheaply.

With a Price/Forward Earnings ratio of 8.25, the valuation of 1SAB can be described as very reasonable.

68.42% of the companies in the same industry are more expensive than 1SAB, based on the Price/Forward Earnings ratio.

Compared to an average S&P500 Price/Forward Earnings ratio of 20.42, 1SAB is valued rather cheaply.

		Industry Rank	Sector Rank
PE	9.1
Fwd PE	8.25

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)0.89

PEG (5Y)0.55

EPS Next 2Y5.42%

EPS Next 3Y6.48%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.45%, 1SAB is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 5.30, 1SAB pays a bit more dividend than its industry peers.

1SAB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.43.

		Industry Rank	Sector Rank
Dividend Yield	6.45%

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

1SAB pays out 23.28% of its income as dividend. This is a sustainable payout ratio.

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

DP23.28%

EPS Next 2Y5.42%

EPS Next 3Y6.48%

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BANCO DE SABADELL SA

BIT:1SAB (4/30/2025, 7:00:00 PM)

2.547

-0.06 (-2.45%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-07 2025-02-07/bmo

Earnings (Next)05-08 2025-05-08

Inst Owners41.69%

Inst Owner ChangeN/A

Ins Owners0.15%

Ins Owner ChangeN/A

Market Cap13.72B

Analysts76.19

Price Target2.66 (4.44%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.45%

Yearly Dividend0.11

Dividend Growth(5Y)61.84%

DP23.28%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-25.74%

Min EPS beat(2)-50.49%

Max EPS beat(2)-0.99%

EPS beat(4)2

Avg EPS beat(4)-0.75%

Min EPS beat(4)-50.49%

Max EPS beat(4)37.1%

EPS beat(8)4

Avg EPS beat(8)63.15%

EPS beat(12)6

Avg EPS beat(12)62.49%

EPS beat(16)8

Avg EPS beat(16)73%

Revenue beat(2)1

Avg Revenue beat(2)-0.77%

Min Revenue beat(2)-3.23%

Max Revenue beat(2)1.69%

Revenue beat(4)2

Avg Revenue beat(4)-0.06%

Min Revenue beat(4)-3.23%

Max Revenue beat(4)1.69%

Revenue beat(8)6

Avg Revenue beat(8)2.87%

Revenue beat(12)10

Avg Revenue beat(12)29.87%

Revenue beat(16)14

Avg Revenue beat(16)28.35%

PT rev (1m)5.91%

PT rev (3m)19.08%

EPS NQ rev (1m)0%

EPS NQ rev (3m)N/A

EPS NY rev (1m)-0.06%

EPS NY rev (3m)8.42%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0.24%

Revenue NY rev (3m)1.29%

Valuation

		Industry Rank	Sector Rank
PE	9.1
Fwd PE	8.25
P/S	1.28
P/FCF	N/A
P/OCF	N/A
P/B	0.91
P/tB	1.1
EV/EBITDA	N/A

EPS(TTM)0.28

EY10.99%

EPS(NY)0.31

Fwd EY12.12%

FCF(TTM)-2.16

FCFYN/A

OCF(TTM)-2.05

OCFYN/A

SpS1.98

BVpS2.78

TBVpS2.31

PEG (NY)0.89

PEG (5Y)0.55

Profitability

		Industry Rank	Sector Rank
ROA	1.06%
ROE	16.93%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	23.77%
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-Score6

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	2.2
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	109.19%
Cap/Sales	5.12%
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-Score6

WACC5.16%

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)-9.68%

EPS 3Y25.99%

EPS 5Y16.45%

EPS Q2Q%-20%

EPS Next Y10.26%

EPS Next 2Y5.42%

EPS Next 3Y6.48%

EPS Next 5Y0.53%

Revenue 1Y (TTM)7.56%

Revenue growth 3Y7.16%

Revenue growth 5Y4.73%

Sales Q2Q%4.58%

Revenue Next Year0.3%

Revenue Next 2Y0.98%

Revenue Next 3Y1.56%

Revenue Next 5Y-1.14%

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 1Y-5.09%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-5.21%

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

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