(SAB) Banco de Sabadell S.A - Overview
Sector: Financial Services | Industry: Banks - Diversified | Exchange: MC (Spain) | Market Cap: 16.009m EUR | Total Return: 27.4% in 12m
Avg Turnover: 61.6M
EPS Trend: 78.2%
Qual. Beats: 0
Rev. Trend: 89.9%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Banco de Sabadell, S.A. (SAB) is a Spanish financial institution operating primarily in Spain, the United Kingdom, and Mexico. The bank provides a comprehensive suite of retail, commercial, and corporate banking services, ranging from consumer mortgages and insurance to structured finance and capital market solutions for large corporations.
The company operates within the diversified banking sector, where profitability is heavily influenced by the net interest margin-the difference between interest earned on loans and interest paid on deposits. As a major player in the Spanish market, Sabadell maintains a significant focus on small and medium-sized enterprises (SMEs), a segment that typically requires specialized risk assessment and personalized credit solutions.
To better understand how current interest rate cycles may impact the banks valuation, investors should review the detailed financial metrics available on ValueRay.
- Net interest margin sensitivity to European Central Bank monetary policy shifts
- TSB subsidiary performance and cost restructuring impact on group profitability
- Hostile takeover bid developments from BBVA influence short-term share price volatility
- Spanish banking tax and regulatory changes affecting domestic net income
- Asset quality and non-performing loan ratios within the Spanish SME sector
| Net Income: 1.63b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.04 > 0.02 and ΔFCF/TA 1.53 > 1.0 |
| NWC/Revenue: 16.78% < 20% (prev -1.99k%; Δ 2.01k% < -1%) |
| CFO/TA 0.04 > 3% & CFO 9.92b > Net Income 1.63b |
| Net Debt (37.4b) to EBITDA (2.71b): 13.82 < 3 |
| Current Ratio: 1.16 > 1.5 & < 3 |
| Outstanding Shares: last quarter (5.06b) vs 12m ago -5.58% < -2% |
| Gross Margin: 65.73% > 18% (prev 0.25%; Δ 6.55k% > 0.5%) |
| Asset Turnover: 3.19% > 50% (prev 2.83%; Δ 0.35% > 0%) |
| Interest Coverage Ratio: 3.62 > 6 (EBITDA TTM 2.71b / Interest Expense TTM 605.0m) |
| A: 0.01 (Total Current Assets 9.54b - Total Current Liabilities 8.21b) / Total Assets 249b |
| B: 0.00 (Retained Earnings 347.0m / Total Assets 249b) |
| C: 0.01 (EBIT TTM 2.19b / Avg Total Assets 249b) |
| D: 0.06 (Book Value of Equity 14.6b / Total Liabilities 235b) |
| Altman-Z'' = 0.16 = B |
| DSRI: 0.80 (Receivables 484.5m/541.2m, Revenue 7.94b/7.06b) |
| GMI: 0.38 (GM 65.73% / 25.18%) |
| AQI: 1.16 (AQ_t 0.95 / AQ_t-1 0.82) |
| SGI: 1.12 (Revenue 7.94b / 7.06b) |
| TATA: -0.03 (NI 1.63b - CFO 9.92b) / TA 249b) |
| Beneish M = -3.60 (Cap -4..+1) = AAA |
As of May 24, 2026, the stock is trading at EUR 3.36 with a total of 25,424,560 shares traded.
Over the past week, the price has changed by +4.04%,
over one month by +6.96%,
over three months by +1.65% and
over the past year by +27.39%.
Banco de Sabadell S.A has no consensus analysts rating.
P/E Trailing = 14.2
P/E Forward = 11.0619
P/S = 3.7663
P/B = 1.1662
P/EG = 4.3986
Revenue TTM = 7.94b EUR
EBIT TTM = 2.19b EUR
EBITDA TTM = 2.71b EUR
Long Term Debt = 38.8b EUR (estimated: total debt 47.0b - short term 8.21b)
Short Term Debt = 8.21b EUR (from shortTermDebt, last quarter)
Debt = 47.0b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 37.4b EUR (calculated: Debt 47.0b - CCE 9.54b)
Enterprise Value = 53.5b EUR (16.0b + Debt 47.0b - CCE 9.54b)
Interest Coverage Ratio = 3.62 (Ebit TTM 2.19b / Interest Expense TTM 605.0m)
EV/FCF = 5.56x (Enterprise Value 53.5b / FCF TTM 9.62b)
FCF Yield = 17.99% (FCF TTM 9.62b / Enterprise Value 53.5b)
FCF Margin = 121.1% (FCF TTM 9.62b / Revenue TTM 7.94b)
Net Margin = 20.55% (Net Income TTM 1.63b / Revenue TTM 7.94b)
Gross Margin = 65.73% ((Revenue TTM 7.94b - Cost of Revenue TTM 2.72b) / Revenue TTM)
Gross Margin QoQ = 58.74% (prev none%)
Tobins Q-Ratio = 0.21 (Enterprise Value 53.5b / Total Assets 249b)
Interest Expense / Debt = 1.29% (Interest Expense 605.0m / Debt 47.0b)
Taxrate = 36.71% (152.0m / 414.0m)
NOPAT = 1.39b (EBIT 2.19b * (1 - 36.71%))
Current Ratio = 1.16 (Total Current Assets 9.54b / Total Current Liabilities 8.21b)
Debt / Equity = 3.36 (Debt 47.0b / totalStockholderEquity, last quarter 14.0b)
Debt / EBITDA = 13.82 (Net Debt 37.4b / EBITDA 2.71b)
Debt / FCF = 3.89 (Net Debt 37.4b / FCF TTM 9.62b)
Total Stockholder Equity = 14.1b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.66% (Net Income 1.63b / Total Assets 249b)
RoE = 11.54% (Net Income TTM 1.63b / Total Stockholder Equity 14.1b)
RoCE = 4.14% (EBIT 2.19b / Capital Employed (Equity 14.1b + L.T.Debt 38.8b))
RoIC = 0.56% (NOPAT 1.39b / Invested Capital 249b)
WACC = 2.42% (E(16.0b)/V(63.0b) * Re(7.15%) + D(47.0b)/V(63.0b) * Rd(1.29%) * (1-Tc(0.37)))
Discount Rate = 7.15% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -73.33 | Cagr: -2.91%
[DCF] Terminal Value 77.97% ; FCFF base≈8.10b ; Y1≈9.28b ; Y5≈13.7b
[DCF] Fair Price = 34.30 (EV 206b - Net Debt 37.4b = Equity 168b / Shares 4.90b; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 78.19 | EPS CAGR: 31.46% | SUE: -0.59 | # QB: 0
Revenue Correlation: 89.91 | Revenue CAGR: 25.22% | SUE: 0.54 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.08 | Chg30d=+11.36% | Revisions=+20% | Analysts=1
EPS next Quarter (2026-09-30): EPS=0.07 | Chg30d=+4.48% | Revisions=+20% | Analysts=1
EPS current Year (2026-12-31): EPS=0.29 | Chg30d=-6.09% | Revisions=-33% | GrowthEPS=-8.0% | GrowthRev=-15.5%
EPS next Year (2027-12-31): EPS=0.32 | Chg30d=+0.85% | Revisions=+9% | GrowthEPS=+8.7% | GrowthRev=+2.3%
[Analyst] Revisions Ratio: -33%