1SAB Fundamental Analysis - BANCO DE SABADELL SA

Fundamental Rating

Overall 1SAB gets a fundamental rating of 3 out of 10. We evaluated 1SAB against 114 industry peers in the Banks industry. There are concerns on the financial health of 1SAB while its profitability can be described as average. 1SAB is valued correctly, but it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

In the past year 1SAB was profitable.

1SAB had a negative operating cash flow in the past year.

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 (1.15%) is better than 76.42% of its industry peers.

With an excellent Return On Equity value of 20.09%, 1SAB belongs to the best of the industry, outperforming 90.57% of the companies in the same industry.

		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 1SAB (25.92%) is better than 67.92% of its industry peers.

1SAB's Profit Margin has improved in the last couple of years.

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)	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

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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.

The number of shares outstanding for 1SAB remains at a similar level compared to 1 year ago.

Compared to 5 years ago, 1SAB has less shares outstanding

Compared to 1 year ago, 1SAB has a worse debt to assets ratio.

2.2 Solvency

1SAB has a Debt/Equity ratio of 3.32. This is a high value indicating a heavy dependency on external financing.

1SAB has a Debt to Equity ratio of 3.32. This is in the lower half of the industry: 1SAB underperforms 72.64% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	3.32
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.15%

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

1SAB shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.45%.

1SAB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 16.45% yearly.

Looking at the last year, 1SAB shows a quite strong growth in Revenue. The Revenue has grown by 8.33% 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)8.33%

Revenue growth 3Y7.16%

Revenue growth 5Y4.73%

Sales Q2Q%-3.08%

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 2.72% on average per year.

1SAB is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -3.57% yearly.

EPS Next Y22.73%

EPS Next 2Y10.68%

EPS Next 3Y5.02%

EPS Next 5Y2.72%

Revenue Next Year1.35%

Revenue Next 2Y-5.39%

Revenue Next 3Y-3.52%

Revenue Next 5Y-3.57%

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

With a Price/Earnings ratio of 10.47, the valuation of 1SAB can be described as very reasonable.

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

Compared to an average S&P500 Price/Earnings ratio of 26.57, 1SAB is valued rather cheaply.

With a Price/Forward Earnings ratio of 9.15, the valuation of 1SAB can be described as very reasonable.

72.64% of the companies in the same industry are more expensive than 1SAB, based on the Price/Forward Earnings ratio.

1SAB is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.04, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	10.47
Fwd PE	9.15

4.2 Price Multiples

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

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)0.46

PEG (5Y)0.64

EPS Next 2Y10.68%

EPS Next 3Y5.02%

More info and screens

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5. Dividend

5.1 Amount

No dividends for 1SAB!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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BANCO DE SABADELL SA

BIT:1SAB (11/24/2025, 7:00:00 PM)

3.14

-0.24 (-6.99%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)11-13 2025-11-13/bmo

Earnings (Next)02-05 2026-02-05/amc

Inst Owners43.04%

Inst Owner ChangeN/A

Ins Owners0.18%

Ins Owner ChangeN/A

Market Cap15.77B

Revenue(TTM)7.36B

Net Income(TTM)2.90B

Analysts71.82

Price Target3.53 (12.42%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

Yearly Dividend0.11

Dividend Growth(5Y)61.84%

DP37.66%

Div Incr Years0

Div Non Decr Years0

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)-0.85%

Min Revenue beat(2)-2.93%

Max Revenue beat(2)1.23%

Revenue beat(4)2

Avg Revenue beat(4)-0.81%

Min Revenue beat(4)-3.23%

Max Revenue beat(4)1.69%

Revenue beat(8)5

Avg Revenue beat(8)0.26%

Revenue beat(12)9

Avg Revenue beat(12)17.05%

Revenue beat(16)13

Avg Revenue beat(16)25.79%

PT rev (1m)5.22%

PT rev (3m)9.76%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)-0.45%

EPS NY rev (3m)11.31%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)-0.23%

Revenue NY rev (3m)0.41%

Valuation

		Industry Rank	Sector Rank
PE	10.47
Fwd PE	9.15
P/S	1.41
P/FCF	N/A
P/OCF	N/A
P/B	1.09
P/tB	1.33
EV/EBITDA	N/A

EPS(TTM)0.3

EY9.55%

EPS(NY)0.34

Fwd EY10.92%

FCF(TTM)-0.42

FCFYN/A

OCF(TTM)-0.32

OCFYN/A

SpS2.23

BVpS2.88

TBVpS2.37

PEG (NY)0.46

PEG (5Y)0.64

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

WACC5.15%

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 Y22.73%

EPS Next 2Y10.68%

EPS Next 3Y5.02%

EPS Next 5Y2.72%

Revenue 1Y (TTM)8.33%

Revenue growth 3Y7.16%

Revenue growth 5Y4.73%

Sales Q2Q%-3.08%

Revenue Next Year1.35%

Revenue Next 2Y-5.39%

Revenue Next 3Y-3.52%

Revenue Next 5Y-3.57%

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 / 1SAB.MI FAQ

What is the fundamental rating for 1SAB stock?

ChartMill assigns a fundamental rating of 3 / 10 to 1SAB.MI.

What is the valuation status of BANCO DE SABADELL SA (1SAB.MI) stock?

ChartMill assigns a valuation rating of 5 / 10 to BANCO DE SABADELL SA (1SAB.MI). This can be considered as Fairly Valued.

What is the profitability of 1SAB stock?

BANCO DE SABADELL SA (1SAB.MI) has a profitability rating of 4 / 10.

How financially healthy is BANCO DE SABADELL SA?

The financial health rating of BANCO DE SABADELL SA (1SAB.MI) is 1 / 10.

Can you provide the dividend sustainability for 1SAB stock?

The dividend rating of BANCO DE SABADELL SA (1SAB.MI) is 0 / 10 and the dividend payout ratio is 37.66%.

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

More info and screens

BANCO DE SABADELL SA / 1SAB.MI FAQ

What is the fundamental rating for 1SAB stock?

What is the valuation status of BANCO DE SABADELL SA (1SAB.MI) stock?

What is the profitability of 1SAB stock?

How financially healthy is BANCO DE SABADELL SA?

Can you provide the dividend sustainability for 1SAB stock?