BANCO DE SABADELL SA (1SAB.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1SAB - ES0113860A34 - Common Stock
3.14 EUR
-0.24 (-6.99%)
Taking everything into account, 1SAB scores 3 out of 10 in our fundamental rating. 1SAB was compared to 108 industry peers in the Banks industry. There are concerns on the financial health of 1SAB while its profitability can be described as average. 1SAB has a valuation in line with the averages, but on the other hand it scores bad on growth.
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.
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's Return On Assets of 1.15% is fine compared to the rest of the industry. 1SAB outperforms 76.42% of its industry peers.
With an excellent Return On Equity value of 20.09%, 1SAB belongs to the best of the industry, outperforming 90.57% 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 Profit Margin of 25.92%. This is in the better half of the industry: 1SAB outperforms 67.92% 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
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
1SAB has a Debt/Equity ratio of 3.32. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 3.32, 1SAB is not doing good in the industry: 72.64% 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
WACC5.15%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
1SAB shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.45%.
1SAB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 16.45% yearly.
The Revenue has grown by 8.33% in the past year. This is quite good.
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)8.33%
Revenue growth 3Y7.16%
Revenue growth 5Y4.73%
Sales Q2Q%-3.08%
3.2 Future
The Earnings Per Share is expected to grow by 2.72% on average over the next years.
Based on estimates for the next years, 1SAB will show a decrease in Revenue. The Revenue will decrease by -3.57% on average per year.
EPS Next Y22.73%
EPS Next 2Y10.68%
EPS Next 3Y5.02%
EPS Next 5Y2.72%
Revenue Next Year1.35%
Revenue Next 2Y-5.39%
Revenue Next 3Y-3.52%
Revenue Next 5Y-3.57%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 10.47 indicates a reasonable valuation of 1SAB.
Compared to the rest of the industry, the Price/Earnings ratio of 1SAB is on the same level as its industry peers.
1SAB is valuated cheaply when we compare the Price/Earnings ratio to 25.65, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 9.15, the valuation of 1SAB can be described as very reasonable.
Based on the Price/Forward Earnings ratio, 1SAB is valued a bit cheaper than the industry average as 72.64% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.45, 1SAB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.47 | ||
| Fwd PE | 9.15 |
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)0.64
EPS Next 2Y10.68%
EPS Next 3Y5.02%
5. Dividend
5.1 Amount
1SAB does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
BIT:1SAB (11/24/2025, 7:00:00 PM)
3.14
-0.24 (-6.99%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners43.04%
Inst Owner ChangeN/A
Ins Owners0.18%
Ins Owner ChangeN/A
Market Cap15.77B
Revenue(TTM)7.36B
Net Income(TTM)2.90B
Analysts71.82
Price Target3.53 (12.42%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)5.22%
PT rev (3m)9.76%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.45%
EPS NY rev (3m)11.31%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.23%
Revenue NY rev (3m)0.41%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.47 | ||
| Fwd PE | 9.15 | ||
| P/S | 1.41 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.09 | ||
| P/tB | 1.33 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.3
EY9.55%
EPS(NY)0.34
Fwd EY10.92%
FCF(TTM)-0.42
FCFYN/A
OCF(TTM)-0.32
OCFYN/A
SpS2.23
BVpS2.88
TBVpS2.37
PEG (NY)0.46
PEG (5Y)0.64
Graham Number4.41
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
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 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
WACC5.15%
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 Y22.73%
EPS Next 2Y10.68%
EPS Next 3Y5.02%
EPS Next 5Y2.72%
Revenue 1Y (TTM)8.33%
Revenue growth 3Y7.16%
Revenue growth 5Y4.73%
Sales Q2Q%-3.08%
Revenue Next Year1.35%
Revenue Next 2Y-5.39%
Revenue Next 3Y-3.52%
Revenue Next 5Y-3.57%
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 of BANCO DE SABADELL SA (1SAB.MI) 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 4 / 10.
How financially healthy is BANCO DE SABADELL SA?
The financial health rating of BANCO DE SABADELL SA (1SAB.MI) is 1 / 10.
Can you provide the dividend sustainability for 1SAB stock?
The dividend rating of BANCO DE SABADELL SA (1SAB.MI) is 0 / 10 and the dividend payout ratio is 37.66%.