BANCO DE SABADELL SA (BDSB.DE) Fundamental Analysis & Valuation

FRA:BDSB • ES0113860A34

Current stock price

3.031 EUR
-0.01 (-0.26%)
Last:

This BDSB.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. BDSB.DE Profitability Analysis

1.1 Basic Checks

  • In the past year BDSB was profitable.
  • BDSB had a positive operating cash flow in the past year.
  • 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.
BDSB.DE Yearly Net Income VS EBIT VS OCF VS FCFBDSB.DE 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 1.03%, BDSB is doing good in the industry, outperforming 63.72% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 18.04%, BDSB belongs to the top of the industry, outperforming 87.61% of the companies in the same industry.
Industry RankSector Rank
ROA 1.03%
ROE 18.04%
ROIC N/A
ROA(3y)0.63%
ROA(5y)0.48%
ROE(3y)10.64%
ROE(5y)8.24%
ROIC(3y)N/A
ROIC(5y)N/A
BDSB.DE Yearly ROA, ROE, ROICBDSB.DE 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 26.82%, BDSB is doing good in the industry, outperforming 69.03% of the companies in the same industry.
  • In the last couple of years the Profit Margin of BDSB has grown nicely.
  • The Operating Margin and Gross Margin are not available for BDSB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 26.82%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y27.68%
PM growth 5Y287.65%
GM growth 3YN/A
GM growth 5YN/A
BDSB.DE Yearly Profit, Operating, Gross MarginsBDSB.DE 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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3

2. BDSB.DE Health Analysis

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 less shares outstanding
  • BDSB has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for BDSB has been reduced compared to a year ago.
BDSB.DE Yearly Shares OutstandingBDSB.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B
BDSB.DE Yearly Total Debt VS Total AssetsBDSB.DE 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

  • The Debt to FCF ratio of BDSB is 25.33, which is on the high side as it means it would take BDSB, 25.33 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 25.33, BDSB is in the better half of the industry, outperforming 61.95% of the companies in the same industry.
  • A Debt/Equity ratio of 1.92 is on the high side and indicates that BDSB has dependencies on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 1.92, BDSB is in line with its industry, outperforming 45.13% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.92
Debt/FCF 25.33
Altman-Z N/A
ROIC/WACCN/A
WACC5.4%
BDSB.DE Yearly LT Debt VS Equity VS FCFBDSB.DE 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
BDSB.DE Yearly Current Assets VS Current LiabilitesBDSB.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

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2

3. BDSB.DE Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 17.86% over the past year.
  • BDSB shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 75.18% yearly.
  • BDSB shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -11.58%.
  • BDSB shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -1.42% yearly.
EPS 1Y (TTM)17.86%
EPS 3Y22.39%
EPS 5Y75.18%
EPS Q2Q%75%
Revenue 1Y (TTM)-11.58%
Revenue growth 3Y0.17%
Revenue growth 5Y-1.42%
Sales Q2Q%-57.92%

3.2 Future

  • The Earnings Per Share is expected to grow by 2.22% on average over the next years.
  • BDSB is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -1.78% yearly.
EPS Next Y0.42%
EPS Next 2Y0.09%
EPS Next 3Y2.57%
EPS Next 5Y2.22%
Revenue Next Year-14.58%
Revenue Next 2Y-7.44%
Revenue Next 3Y-3.77%
Revenue Next 5Y-1.78%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • 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.
BDSB.DE Yearly Revenue VS EstimatesBDSB.DE 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
BDSB.DE Yearly EPS VS EstimatesBDSB.DE 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. BDSB.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 9.18, the valuation of BDSB can be described as reasonable.
  • 75.22% of the companies in the same industry are more expensive than BDSB, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of BDSB to the average of the S&P500 Index (25.71), we can say BDSB is valued rather cheaply.
  • The Price/Forward Earnings ratio is 9.15, which indicates a very decent valuation of BDSB.
  • BDSB's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BDSB is cheaper than 74.34% of the companies in the same industry.
  • BDSB is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.83, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.18
Fwd PE 9.15
BDSB.DE Price Earnings VS Forward Price EarningsBDSB.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, BDSB is valued a bit cheaper than the industry average as 62.83% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 14.27
EV/EBITDA N/A
BDSB.DE Per share dataBDSB.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0.5 1 1.5 2 2.5

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)21.79
PEG (5Y)0.12
EPS Next 2Y0.09%
EPS Next 3Y2.57%

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

0

5. BDSB.DE Dividend Analysis

5.1 Amount

  • No dividends for BDSB!.
Industry RankSector Rank
Dividend Yield 0%

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BDSB.DE Fundamentals: All Metrics, Ratios and Statistics

BANCO DE SABADELL SA

FRA:BDSB (3/13/2026, 7:00:00 PM)

3.031

-0.01 (-0.26%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-06
Earnings (Next)05-06
Inst Owners42.77%
Inst Owner ChangeN/A
Ins Owners0.18%
Ins Owner ChangeN/A
Market Cap15.23B
Revenue(TTM)9.45B
Net Income(TTM)2.53B
Analysts70.4
Price Target3.62 (19.43%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly Dividend0.26
Dividend Growth(5Y)67.51%
DP53.94%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-12.68%
Min EPS beat(2)-13.37%
Max EPS beat(2)-11.99%
EPS beat(4)1
Avg EPS beat(4)-3.74%
Min EPS beat(4)-13.37%
Max EPS beat(4)11.39%
EPS beat(8)3
Avg EPS beat(8)-2.24%
EPS beat(12)5
Avg EPS beat(12)40.85%
EPS beat(16)7
Avg EPS beat(16)45.93%
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)1.2%
PT rev (3m)1.58%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)-3.14%
EPS NY rev (3m)0.1%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.68%
Revenue NY rev (3m)-0.79%
Valuation
Industry RankSector Rank
PE 9.18
Fwd PE 9.15
P/S 1.61
P/FCF 14.27
P/OCF 9.07
P/B 1.08
P/tB 1.32
EV/EBITDA N/A
EPS(TTM)0.33
EY10.89%
EPS(NY)0.33
Fwd EY10.93%
FCF(TTM)0.21
FCFY7.01%
OCF(TTM)0.33
OCFY11.02%
SpS1.88
BVpS2.8
TBVpS2.3
PEG (NY)21.79
PEG (5Y)0.12
Graham Number4.56
Profitability
Industry RankSector Rank
ROA 1.03%
ROE 18.04%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.82%
GM N/A
FCFM 11.29%
ROA(3y)0.63%
ROA(5y)0.48%
ROE(3y)10.64%
ROE(5y)8.24%
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 3Y27.68%
PM growth 5Y287.65%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 1.92
Debt/FCF 25.33
Debt/EBITDA N/A
Cap/Depr 145.08%
Cap/Sales 6.46%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 42.12%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC5.4%
ROIC/WACCN/A
Cap/Depr(3y)124.8%
Cap/Depr(5y)109.84%
Cap/Sales(3y)9.06%
Cap/Sales(5y)8.54%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)17.86%
EPS 3Y22.39%
EPS 5Y75.18%
EPS Q2Q%75%
EPS Next Y0.42%
EPS Next 2Y0.09%
EPS Next 3Y2.57%
EPS Next 5Y2.22%
Revenue 1Y (TTM)-11.58%
Revenue growth 3Y0.17%
Revenue growth 5Y-1.42%
Sales Q2Q%-57.92%
Revenue Next Year-14.58%
Revenue Next 2Y-7.44%
Revenue Next 3Y-3.77%
Revenue Next 5Y-1.78%
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 1Y109.19%
FCF growth 3YN/A
FCF growth 5Y-44.21%
OCF growth 1Y115.17%
OCF growth 3YN/A
OCF growth 5Y-39.33%

BANCO DE SABADELL SA / BDSB.DE Fundamental Analysis FAQ

What is the fundamental rating for BDSB stock?

ChartMill assigns a fundamental rating of 3 / 10 to BDSB.DE.


Can you provide the valuation status for BANCO DE SABADELL SA?

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.


What is the financial health of BANCO DE SABADELL SA (BDSB.DE) stock?

The financial health rating of BANCO DE SABADELL SA (BDSB.DE) is 3 / 10.


Can you provide the dividend sustainability for BDSB stock?

The dividend rating of BANCO DE SABADELL SA (BDSB.DE) is 0 / 10 and the dividend payout ratio is 53.94%.