1SAB Fundamental Analysis - BANCO DE SABADELL SA

Fundamental Rating

Overall 1SAB gets a fundamental rating of 3 out of 10. We evaluated 1SAB against 92 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 is valued correctly, 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

In the past year 1SAB was profitable.

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

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

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 better Return On Assets (1.15%) than 77.17% of its industry peers.

With an excellent Return On Equity value of 20.09%, 1SAB belongs to the best of the industry, outperforming 94.57% 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 better Profit Margin (25.92%) than 73.91% 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)	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.

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

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

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

2.2 Solvency

1SAB has a Debt/Equity ratio of 3.32. This is a high value indicating a heavy dependency on external financing.

Looking at the Debt to Equity ratio, with a value of 3.32, 1SAB is doing worse than 75.00% of the companies in the same industry.

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

ROIC/WACCN/A

WACC5.07%

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

The Earnings Per Share has grown by an impressive 40.91% over the past year.

The Earnings Per Share has been growing by 16.45% on average over the past years. This is quite good.

The Revenue has been growing slightly by 6.68% in the past 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 3.64% on average per year.

1SAB is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -1.86% yearly.

EPS Next Y10.26%

EPS Next 2Y5.42%

EPS Next 3Y6.48%

EPS Next 5Y3.64%

Revenue Next Year0.94%

Revenue Next 2Y0.92%

Revenue Next 3Y1.17%

Revenue Next 5Y-1.86%

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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 10.54, the valuation of 1SAB can be described as very reasonable.

Based on the Price/Earnings ratio, 1SAB is valued a bit more expensive than 60.87% of the companies in the same industry.

1SAB is valuated cheaply when we compare the Price/Earnings ratio to 26.41, which is the current average of the S&P500 Index.

Based on the Price/Forward Earnings ratio of 10.50, the valuation of 1SAB can be described as reasonable.

The rest of the industry has a similar Price/Forward Earnings ratio as 1SAB.

1SAB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 33.87.

		Industry Rank	Sector Rank
PE	10.54
Fwd PE	10.5

4.2 Price Multiples

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

4.3 Compensation for Growth

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

PEG (NY)1.03

PEG (5Y)0.64

EPS Next 2Y5.42%

EPS Next 3Y6.48%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.82%, 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.

1SAB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.

		Industry Rank	Sector Rank
Dividend Yield	4.82%

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.

1SAB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP37.66%

EPS Next 2Y5.42%

EPS Next 3Y6.48%

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BANCO DE SABADELL SA

BIT:1SAB (8/7/2025, 7:00:00 PM)

3.266

+0.03 (+0.83%)

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 Cap17.27B

Analysts76

Price Target3.21 (-1.71%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.82%

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)8.29%

PT rev (3m)18.83%

EPS NQ rev (1m)12.5%

EPS NQ rev (3m)N/A

EPS NY rev (1m)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0.39%

Revenue NY rev (3m)0.39%

Valuation

		Industry Rank	Sector Rank
PE	10.54
Fwd PE	10.5
P/S	1.54
P/FCF	N/A
P/OCF	N/A
P/B	1.19
P/tB	1.45
EV/EBITDA	N/A

EPS(TTM)0.31

EY9.49%

EPS(NY)0.31

Fwd EY9.53%

FCF(TTM)-0.4

FCFYN/A

OCF(TTM)-0.3

OCFYN/A

SpS2.12

BVpS2.73

TBVpS2.25

PEG (NY)1.03

PEG (5Y)0.64

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

WACC5.07%

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 Y10.26%

EPS Next 2Y5.42%

EPS Next 3Y6.48%

EPS Next 5Y3.64%

Revenue 1Y (TTM)6.68%

Revenue growth 3Y7.16%

Revenue growth 5Y4.73%

Sales Q2Q%-2.38%

Revenue Next Year0.94%

Revenue Next 2Y0.92%

Revenue Next 3Y1.17%

Revenue Next 5Y-1.86%

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