BANCO DE SABADELL SA (BDSB.DE) Stock Fundamental Analysis

FRA:BDSB • ES0113860A34

3.3 EUR
+0.05 (+1.6%)
Last: Feb 12, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

3

Overall BDSB gets a fundamental rating of 3 out of 10. We evaluated BDSB against 114 industry peers in the Banks industry. BDSB has a medium profitability rating, but doesn't score so well on its financial health evaluation. BDSB has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • BDSB had positive earnings in the past year.
  • In the past year BDSB has reported a negative cash flow from operations.
  • BDSB had positive earnings in each of the past 5 years.
  • 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 0 10B -10B 20B

1.2 Ratios

  • BDSB's Return On Assets of 1.15% is fine compared to the rest of the industry. BDSB outperforms 71.93% of its industry peers.
  • BDSB's Return On Equity of 20.09% is amongst the best of the industry. BDSB outperforms 85.96% of its industry peers.
Industry RankSector 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
BDSB.DE Yearly ROA, ROE, ROICBDSB.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • With a decent Profit Margin value of 25.92%, BDSB is doing good in the industry, outperforming 64.91% 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) 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
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 5 10 15 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

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.
BDSB.DE Yearly Shares OutstandingBDSB.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 50B 100B 150B 200B 250B

2.2 Solvency

  • BDSB has a Debt/Equity ratio of 3.32. This is a high value indicating a heavy dependency on external financing.
  • BDSB has a worse Debt to Equity ratio (3.32) than 76.32% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.32
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.62%
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 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 1B 2B 3B 4B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • BDSB shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.45%.
  • The Earnings Per Share has been growing by 16.45% on average over the past years. This is quite good.
  • Looking at the last year, BDSB shows a small growth in Revenue. The Revenue has grown by 5.66% in the last year.
  • The Revenue has been growing slightly by 4.73% on average over the past years.
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 Y21.85%
EPS Next 2Y10.54%
EPS Next 3Y5.41%
EPS Next 5Y3.93%
Revenue Next Year0.09%
Revenue Next 2Y-7.48%
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.
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 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 0.1 0.2 0.3

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 11.00, the valuation of BDSB can be described as very reasonable.
  • BDSB's Price/Earnings ratio is a bit cheaper when compared to the industry. BDSB is cheaper than 66.67% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.67. BDSB is valued rather cheaply when compared to this.
  • BDSB is valuated reasonably with a Price/Forward Earnings ratio of 9.65.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of BDSB indicates a rather cheap valuation: BDSB is cheaper than 88.60% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of BDSB to the average of the S&P500 Index (27.69), we can say BDSB is valued rather cheaply.
Industry RankSector Rank
PE 11
Fwd PE 9.65
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

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
BDSB.DE Per share dataBDSB.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 2

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)0.5
PEG (5Y)0.67
EPS Next 2Y10.54%
EPS Next 3Y5.41%

More info and screens

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

0

5. Dividend

5.1 Amount

  • BDSB does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

BANCO DE SABADELL SA

FRA:BDSB (2/12/2026, 7:00:00 PM)

3.3

+0.05 (+1.6%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-06
Earnings (Next)05-06
Inst Owners41.59%
Inst Owner ChangeN/A
Ins Owners0.18%
Ins Owner ChangeN/A
Market Cap16.58B
Revenue(TTM)11.12B
Net Income(TTM)2.90B
Analysts70.91
Price Target3.58 (8.48%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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)0.37%
PT rev (3m)N/A
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.57%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 11
Fwd PE 9.65
P/S 1.48
P/FCF N/A
P/OCF N/A
P/B 1.15
P/tB 1.39
EV/EBITDA N/A
EPS(TTM)0.3
EY9.09%
EPS(NY)0.34
Fwd EY10.37%
FCF(TTM)-0.42
FCFYN/A
OCF(TTM)-0.32
OCFYN/A
SpS2.23
BVpS2.88
TBVpS2.37
PEG (NY)0.5
PEG (5Y)0.67
Graham Number4.41
Profitability
Industry RankSector 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 RankSector 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
WACC5.62%
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 Y21.85%
EPS Next 2Y10.54%
EPS Next 3Y5.41%
EPS Next 5Y3.93%
Revenue 1Y (TTM)5.66%
Revenue growth 3Y7.16%
Revenue growth 5Y4.73%
Sales Q2Q%-7.45%
Revenue Next Year0.09%
Revenue Next 2Y-7.48%
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.


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 1 / 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 37.66%.