BANCO DE SABADELL SA(BIT:1SAB) stock Fundamental Analysis

Fundamental Rating

Overall 1SAB gets a fundamental rating of 3 out of 10. We evaluated 1SAB against 99 industry peers in the Banks industry. Both the profitability and financial health of 1SAB have multiple concerns. 1SAB has a correct valuation and a medium growth rate. Finally 1SAB also has an excellent dividend rating.

Quickly go to:

1. Profitability

1.1 Basic Checks

1SAB had positive earnings in the past year.

In the past year 1SAB has reported a negative cash flow from operations.

Each year in the past 5 years 1SAB has been profitable.

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

1.2 Ratios

The Return On Assets of 1SAB (1.06%) is better than 65.12% of its industry peers.

1SAB has a Return On Equity of 16.93%. This is in the better half of the industry: 1SAB outperforms 79.07% 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's Profit Margin of 23.77% is in line compared to the rest of the industry. 1SAB outperforms 58.14% of its industry peers.

In the last couple of years the Profit Margin of 1SAB has grown nicely.

1SAB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

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.

The number of shares outstanding for 1SAB has been reduced compared to 5 years ago.

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

2.2 Solvency

A Debt/Equity ratio of 2.20 is on the high side and indicates that 1SAB has dependencies on debt financing.

With a Debt to Equity ratio value of 2.20, 1SAB perfoms like the industry average, outperforming 44.19% of the companies in the same industry.

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

ROIC/WACCN/A

WACC4.94%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 35.47% 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 18.09% yearly.

The Revenue has been growing slightly by 7.56% in the past year.

The Revenue has been growing slightly by 4.73% on average over the past years.

EPS 1Y (TTM)35.47%

EPS 3Y58.99%

EPS 5Y18.09%

EPS Q2Q%35.78%

Revenue 1Y (TTM)7.56%

Revenue growth 3Y7.16%

Revenue growth 5Y4.73%

Sales Q2Q%139.6%

3.2 Future

The Earnings Per Share is expected to grow by 3.38% on average over the next years.

1SAB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.33% yearly.

EPS Next Y2.09%

EPS Next 2Y0.09%

EPS Next 3Y3.38%

EPS Next 5YN/A

Revenue Next Year0.06%

Revenue Next 2Y0.59%

Revenue Next 3Y1.33%

Revenue Next 5YN/A

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.

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.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 5.49, the valuation of 1SAB can be described as very cheap.

Based on the Price/Earnings ratio, 1SAB is valued cheaply inside the industry as 90.70% of the companies are valued more expensively.

When comparing the Price/Earnings ratio of 1SAB to the average of the S&P500 Index (29.35), we can say 1SAB is valued rather cheaply.

A Price/Forward Earnings ratio of 8.50 indicates a reasonable valuation of 1SAB.

Compared to the rest of the industry, the Price/Forward Earnings ratio of 1SAB indicates a somewhat cheap valuation: 1SAB is cheaper than 66.28% of the companies listed in the same industry.

When comparing the Price/Forward Earnings ratio of 1SAB to the average of the S&P500 Index (22.10), we can say 1SAB is valued rather cheaply.

		Industry Rank	Sector Rank
PE	5.49
Fwd PE	8.5

4.2 Price Multiples

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

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)2.62

PEG (5Y)0.3

EPS Next 2Y0.09%

EPS Next 3Y3.38%

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

1SAB has a Yearly Dividend Yield of 6.21%, which is a nice return.

1SAB's Dividend Yield is a higher than the industry average which is at 5.06.

Compared to an average S&P500 Dividend Yield of 2.33, 1SAB pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	6.21%

5.2 History

On average, the dividend of 1SAB grows each year by 61.84%, which is quite nice.

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 2Y0.09%

EPS Next 3Y3.38%

More info and screens

Find the best dividend stocks

Show peers with best dividend

BANCO DE SABADELL SA

BIT:1SAB (3/4/2025, 7:00:00 PM)

2.578

+0.09 (+3.45%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-07 2025-02-07/amc

Earnings (Next)04-23 2025-04-23

Inst Owners41.69%

Inst Owner ChangeN/A

Ins Owners0.15%

Ins Owner ChangeN/A

Market Cap14.02B

Analysts77

Price Target2.47 (-4.19%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.21%

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)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)1

Avg Revenue beat(2)64.95%

Min Revenue beat(2)-3.23%

Max Revenue beat(2)133.13%

Revenue beat(4)2

Avg Revenue beat(4)32.8%

Min Revenue beat(4)-3.23%

Max Revenue beat(4)133.13%

Revenue beat(8)6

Avg Revenue beat(8)19.3%

Revenue beat(12)10

Avg Revenue beat(12)40.83%

Revenue beat(16)14

Avg Revenue beat(16)36.57%

PT rev (1m)10.75%

PT rev (3m)20.54%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)6.51%

EPS NY rev (3m)17.76%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)1.05%

Revenue NY rev (3m)4.11%

Valuation

		Industry Rank	Sector Rank
PE	5.49
Fwd PE	8.5
P/S	1.31
P/FCF	N/A
P/OCF	N/A
P/B	0.94
P/tB	1.13
EV/EBITDA	N/A

EPS(TTM)0.47

EY18.23%

EPS(NY)0.3

Fwd EY11.76%

FCF(TTM)-2.14

FCFYN/A

OCF(TTM)-2.04

OCFYN/A

SpS1.96

BVpS2.76

TBVpS2.29

PEG (NY)2.62

PEG (5Y)0.3

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

WACC4.94%

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)35.47%

EPS 3Y58.99%

EPS 5Y18.09%

EPS Q2Q%35.78%

EPS Next Y2.09%

EPS Next 2Y0.09%

EPS Next 3Y3.38%

EPS Next 5YN/A

Revenue 1Y (TTM)7.56%

Revenue growth 3Y7.16%

Revenue growth 5Y4.73%

Sales Q2Q%139.6%

Revenue Next Year0.06%

Revenue Next 2Y0.59%

Revenue Next 3Y1.33%

Revenue Next 5YN/A

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