BANCO DE SABADELL SA (BDSB.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:BDSB - ES0113860A34 - Common Stock
3.332 EUR
-0.05 (-1.45%)
Taking everything into account, BDSB scores 3 out of 10 in our fundamental rating. BDSB was compared to 114 industry peers in the Banks industry. There are concerns on the financial health of BDSB while its profitability can be described as average. BDSB is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year BDSB was profitable.
In the past year BDSB has reported a negative cash flow from operations.
In the past 5 years BDSB has always been profitable.
The reported operating cash flow has been mixed in the past 5 years: BDSB reported negative operating cash flow in multiple years.
1.2 Ratios
The Return On Assets of BDSB (1.15%) is better than 74.56% of its industry peers.
BDSB's Return On Equity of 20.09% is amongst the best of the industry. BDSB outperforms 91.23% of its industry peers.
| 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
The Profit Margin of BDSB (25.92%) is better than 64.91% of its industry peers.
BDSB's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for BDSB 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
BDSB does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, BDSB has about the same amount of shares outstanding.
Compared to 5 years ago, BDSB has less shares outstanding
The debt/assets ratio for BDSB is higher compared to a year ago.
2.2 Solvency
A Debt/Equity ratio of 3.32 is on the high side and indicates that BDSB has dependencies on debt financing.
BDSB has a worse Debt to Equity ratio (3.32) than 74.56% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.32 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.58%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 3.45% over the past year.
Measured over the past years, BDSB shows a quite strong growth in Earnings Per Share. The EPS has been growing by 16.45% on average per year.
Looking at the last year, BDSB shows a small growth in Revenue. The Revenue has grown by 5.66% in the last year.
Measured over the past years, BDSB 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%-7.45%
3.2 Future
Based on estimates for the next years, BDSB will show a small growth in Earnings Per Share. The EPS will grow by 3.93% on average per year.
The Revenue is expected to decrease by -2.59% on average over the next years.
EPS Next Y21.58%
EPS Next 2Y8.73%
EPS Next 3Y5.23%
EPS Next 5Y3.93%
Revenue Next Year0.24%
Revenue Next 2Y-7.42%
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.
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
Based on the Price/Earnings ratio of 11.11, the valuation of BDSB can be described as reasonable.
BDSB's Price/Earnings ratio is in line with the industry average.
BDSB is valuated cheaply when we compare the Price/Earnings ratio to 26.59, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 10.07, the valuation of BDSB can be described as reasonable.
78.07% of the companies in the same industry are more expensive than BDSB, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 24.03. BDSB is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.11 | ||
| Fwd PE | 10.07 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
BDSB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.51
PEG (5Y)0.68
EPS Next 2Y8.73%
EPS Next 3Y5.23%
5. Dividend
5.1 Amount
No dividends for BDSB!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
FRA:BDSB (12/23/2025, 7:00:00 PM)
3.332
-0.05 (-1.45%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners42.02%
Inst Owner ChangeN/A
Ins Owners0.18%
Ins Owner ChangeN/A
Market Cap16.74B
Revenue(TTM)11.12B
Net Income(TTM)2.90B
Analysts70.91
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly Dividend0.11
Dividend Growth(5Y)61.84%
DP37.66%
Div Incr YearsN/A
Div Non Decr YearsN/A
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)2.2%
Min Revenue beat(2)-2.93%
Max Revenue beat(2)7.33%
Revenue beat(4)3
Avg Revenue beat(4)34.68%
Min Revenue beat(4)-2.93%
Max Revenue beat(4)132.98%
Revenue beat(8)7
Avg Revenue beat(8)53.11%
Revenue beat(12)11
Avg Revenue beat(12)62.39%
Revenue beat(16)15
Avg Revenue beat(16)59.8%
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.93%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-1.1%
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.11 | ||
| Fwd PE | 10.07 | ||
| P/S | 1.49 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.16 | ||
| P/tB | 1.41 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.3
EY9%
EPS(NY)0.33
Fwd EY9.94%
FCF(TTM)-0.42
FCFYN/A
OCF(TTM)-0.32
OCFYN/A
SpS2.23
BVpS2.88
TBVpS2.37
PEG (NY)0.51
PEG (5Y)0.68
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
WACC5.58%
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 Y21.58%
EPS Next 2Y8.73%
EPS Next 3Y5.23%
EPS Next 5Y3.93%
Revenue 1Y (TTM)5.66%
Revenue growth 3Y7.16%
Revenue growth 5Y4.73%
Sales Q2Q%-7.45%
Revenue Next Year0.24%
Revenue Next 2Y-7.42%
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 / BDSB.DE FAQ
What is the fundamental rating for BDSB stock?
ChartMill assigns a fundamental rating of 3 / 10 to BDSB.DE.
What is the valuation status of BANCO DE SABADELL SA (BDSB.DE) stock?
ChartMill assigns a valuation rating of 5 / 10 to BANCO DE SABADELL SA (BDSB.DE). This can be considered as Fairly Valued.
How profitable is BANCO DE SABADELL SA (BDSB.DE) stock?
BANCO DE SABADELL SA (BDSB.DE) has a profitability rating of 4 / 10.
How financially healthy is BANCO DE SABADELL SA?
The financial health rating of BANCO DE SABADELL SA (BDSB.DE) is 1 / 10.
Is the dividend of BANCO DE SABADELL SA sustainable?
The dividend rating of BANCO DE SABADELL SA (BDSB.DE) is 0 / 10 and the dividend payout ratio is 37.66%.