1SAB Fundamental Analysis - BANCO DE SABADELL SA

Fundamental Rating

Overall 1SAB gets a fundamental rating of 3 out of 10. We evaluated 1SAB against 91 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. 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.

In multiple years 1SAB reported negative operating cash flow during the last 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of 1.06%, 1SAB is in the better half of the industry, outperforming 70.33% of the companies in the same industry.

The Return On Equity of 1SAB (16.93%) is better than 87.91% 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 has a Profit Margin of 23.77%. This is in the better half of the industry: 1SAB outperforms 63.74% 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)	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.

Compared to 1 year ago, 1SAB has about the same amount of shares outstanding.

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

The debt/assets ratio for 1SAB is higher compared to a year ago.

2.2 Solvency

1SAB has a Debt/Equity ratio of 2.20. This is a high value indicating a heavy dependency on external financing.

1SAB's Debt to Equity ratio of 2.20 is in line compared to the rest of the industry. 1SAB outperforms 43.96% of its industry peers.

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

ROIC/WACCN/A

WACC5.05%

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 63.16% over the past year.

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 been growing slightly by 5.73% 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)63.16%

EPS 3Y25.99%

EPS 5Y16.45%

EPS Q2Q%50%

Revenue 1Y (TTM)5.73%

Revenue growth 3Y7.16%

Revenue growth 5Y4.73%

Sales Q2Q%8.03%

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.

The Revenue is expected to decrease by -1.86% on average over the next years.

EPS Next Y10.26%

EPS Next 2Y5.42%

EPS Next 3Y6.48%

EPS Next 5Y3.64%

Revenue Next Year0.55%

Revenue Next 2Y1.1%

Revenue Next 3Y1.66%

Revenue Next 5Y-1.86%

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

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 9.71, which indicates a very decent valuation of 1SAB.

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

1SAB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.18.

A Price/Forward Earnings ratio of 9.68 indicates a reasonable valuation of 1SAB.

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

When comparing the Price/Forward Earnings ratio of 1SAB to the average of the S&P500 Index (35.34), we can say 1SAB is valued rather cheaply.

		Industry Rank	Sector Rank
PE	9.71
Fwd PE	9.68

4.2 Price Multiples

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

4.3 Compensation for Growth

1SAB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

PEG (NY)0.95

PEG (5Y)0.59

EPS Next 2Y5.42%

EPS Next 3Y6.48%

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5. Dividend

5.1 Amount

1SAB has a Yearly Dividend Yield of 5.51%, which is a nice return.

1SAB's Dividend Yield is comparable with the industry average which is at 5.19.

Compared to an average S&P500 Dividend Yield of 2.34, 1SAB pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	5.51%

5.2 History

The dividend of 1SAB is nicely growing with an annual growth rate of 61.84%!

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 (7/10/2025, 7:00:00 PM)

3.011

+0.14 (+4.8%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)05-08 2025-05-08/bmo

Earnings (Next)07-24 2025-07-24

Inst Owners39.53%

Inst Owner ChangeN/A

Ins Owners0.17%

Ins Owner ChangeN/A

Market Cap15.92B

Analysts76

Price Target2.97 (-1.36%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.51%

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)3.67%

PT rev (3m)15.77%

EPS NQ rev (1m)0%

EPS NQ rev (3m)28.57%

EPS NY rev (1m)0%

EPS NY rev (3m)-0.06%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.49%

Valuation

		Industry Rank	Sector Rank
PE	9.71
Fwd PE	9.68
P/S	1.49
P/FCF	N/A
P/OCF	N/A
P/B	1.06
P/tB	1.28
EV/EBITDA	N/A

EPS(TTM)0.31

EY10.3%

EPS(NY)0.31

Fwd EY10.33%

FCF(TTM)-2.2

FCFYN/A

OCF(TTM)-2.09

OCFYN/A

SpS2.02

BVpS2.84

TBVpS2.35

PEG (NY)0.95

PEG (5Y)0.59

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

WACC5.05%

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)63.16%

EPS 3Y25.99%

EPS 5Y16.45%

EPS Q2Q%50%

EPS Next Y10.26%

EPS Next 2Y5.42%

EPS Next 3Y6.48%

EPS Next 5Y3.64%

Revenue 1Y (TTM)5.73%

Revenue growth 3Y7.16%

Revenue growth 5Y4.73%

Sales Q2Q%8.03%

Revenue Next Year0.55%

Revenue Next 2Y1.1%

Revenue Next 3Y1.66%

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 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

More info and screens