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

BIT:1SAB • ES0113860A34

3.128 EUR
-0.06 (-1.85%)
Last: Mar 2, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership

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

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to 1SAB. 1SAB was compared to 106 industry peers in the Banks industry. Both the profitability and financial health of 1SAB have multiple concerns. 1SAB has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

3

1. 1SAB.MI Profitability Analysis

1.1 Basic Checks

  • 1SAB had positive earnings in the past year.
  • 1SAB had a negative operating cash flow in the past year.
  • 1SAB had positive earnings in each of the past 5 years.
  • In the past 5 years 1SAB reported 4 times negative operating cash flow.
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

  • With a decent Return On Assets value of 1.15%, 1SAB is doing good in the industry, outperforming 72.73% of the companies in the same industry.
  • 1SAB's Return On Equity of 20.09% is amongst the best of the industry. 1SAB outperforms 90.91% of its industry peers.
Industry RankSector 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
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 25.92%, 1SAB is doing good in the industry, outperforming 65.45% of the companies in the same industry.
  • 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 RankSector 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
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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1

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.
  • 1SAB has less shares outstanding than it did 1 year ago.
  • 1SAB has less shares outstanding than it did 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/Equity ratio of 3.32. This is a high value indicating a heavy dependency on external financing.
  • 1SAB's Debt to Equity ratio of 3.32 is on the low side compared to the rest of the industry. 1SAB is outperformed by 78.18% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.32
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.56%
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 1B 2B 3B 4B

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

3

3. 1SAB.MI Growth Analysis

3.1 Past

  • 1SAB shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.45%.
  • The Earnings Per Share has been growing by 16.45% on average over the past years. This is quite good.
  • Looking at the last year, 1SAB shows a small growth in Revenue. The Revenue has grown by 5.66% in the last year.
  • 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)3.45%
EPS 3Y25.99%
EPS 5Y16.45%
EPS Q2Q%-11.11%
Revenue 1Y (TTM)5.66%
Revenue growth 3Y7.16%
Revenue growth 5Y4.73%
Sales Q2Q%-3.08%

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 3.93% on average per year.
  • Based on estimates for the next years, 1SAB will show a decrease in Revenue. The Revenue will decrease by -2.59% on average per year.
EPS Next Y21.85%
EPS Next 2Y10.54%
EPS Next 3Y5.41%
EPS Next 5Y3.93%
Revenue Next Year0.09%
Revenue Next 2Y-7.48%
Revenue Next 3Y-4.84%
Revenue Next 5Y-2.59%

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.
  • 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

  • 1SAB is valuated reasonably with a Price/Earnings ratio of 10.43.
  • 63.64% of the companies in the same industry are more expensive than 1SAB, based on the Price/Earnings ratio.
  • 1SAB is valuated cheaply when we compare the Price/Earnings ratio to 26.29, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 9.14, which indicates a very decent valuation of 1SAB.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of 1SAB indicates a rather cheap valuation: 1SAB is cheaper than 89.09% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of 1SAB to the average of the S&P500 Index (24.57), we can say 1SAB is valued rather cheaply.
Industry RankSector Rank
PE 10.43
Fwd PE 9.14
1SAB.MI Price Earnings VS Forward Price Earnings1SAB.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
1SAB.MI Per share data1SAB.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 2

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)0.48
PEG (5Y)0.63
EPS Next 2Y10.54%
EPS Next 3Y5.41%

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

0

5. 1SAB.MI Dividend Analysis

5.1 Amount

  • 1SAB does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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

BANCO DE SABADELL SA

BIT:1SAB (3/2/2026, 7:00:00 PM)

3.128

-0.06 (-1.85%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-06
Earnings (Next)05-06
Inst Owners41.59%
Inst Owner ChangeN/A
Ins Owners0.18%
Ins Owner ChangeN/A
Market Cap15.71B
Revenue(TTM)11.12B
Net Income(TTM)2.90B
Analysts70
Price Target3.61 (15.41%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)1.5%
PT rev (3m)6.8%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.71%
EPS NY rev (3m)-1.16%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-1.24%
Revenue NY rev (3m)-1.47%
Valuation
Industry RankSector Rank
PE 10.43
Fwd PE 9.14
P/S 1.4
P/FCF N/A
P/OCF N/A
P/B 1.09
P/tB 1.32
EV/EBITDA N/A
EPS(TTM)0.3
EY9.59%
EPS(NY)0.34
Fwd EY10.94%
FCF(TTM)-0.42
FCFYN/A
OCF(TTM)-0.32
OCFYN/A
SpS2.23
BVpS2.88
TBVpS2.37
PEG (NY)0.48
PEG (5Y)0.63
Graham Number4.41
Profitability
Industry RankSector 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
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 3Y48.43%
PM growth 5Y12.31%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector 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
WACC5.56%
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)3.45%
EPS 3Y25.99%
EPS 5Y16.45%
EPS Q2Q%-11.11%
EPS Next Y21.85%
EPS Next 2Y10.54%
EPS Next 3Y5.41%
EPS Next 5Y3.93%
Revenue 1Y (TTM)5.66%
Revenue growth 3Y7.16%
Revenue growth 5Y4.73%
Sales Q2Q%-3.08%
Revenue Next Year0.09%
Revenue Next 2Y-7.48%
Revenue Next 3Y-4.84%
Revenue Next 5Y-2.59%
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 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.


What is the profitability of 1SAB stock?

BANCO DE SABADELL SA (1SAB.MI) has a profitability rating of 3 / 10.


What are the PE and PB ratios of BANCO DE SABADELL SA (1SAB.MI) stock?

The Price/Earnings (PE) ratio for BANCO DE SABADELL SA (1SAB.MI) is 10.43 and the Price/Book (PB) ratio is 1.09.


How financially healthy is BANCO DE SABADELL SA?

The financial health rating of BANCO DE SABADELL SA (1SAB.MI) is 1 / 10.