Banco de Sabadell, S.A. Logo

Banco de Sabadell, S.A.

BNDSF

(1.8)
Stock Price

1,83 USD

0.64% ROA

11.1% ROE

6.26x PER

Market Cap.

9.799.422.463,10 USD

381.51% DER

7.55% Yield

25.32% NPM

Banco de Sabadell, S.A. Stock Analysis

Banco de Sabadell, S.A. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Banco de Sabadell, S.A. Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.44x), the stock offers substantial upside potential at a bargain price.

2 ROE

ROE in an average range (8.8%) suggests satisfactory profitability and decent utilization of shareholders' equity.

3 ROA

The stock's ROA (0.49%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

4 Revenue Growth

This company's revenue has shown remarkable growth over the past three years, making it an excellent choice for seeking a consistently prosperous investment.

5 Net Profit Growth

This company's net profit has consistently grown over the past three years, showcasing a positive financial trend and making it an appealing investment opportunity.

6 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

7 DER

The stock is burdened with a heavy load of debt (200%), making it financially unstable and potentially risky for investors.

8 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

9 Dividend Growth

Investors should note the company's stagnant dividend growth over the past three years, indicating limited profitability and potentially diminishing returns.

10 Dividend

The company has not distributed any dividends in the past three years, which may raise concerns for investors looking for regular income from their investments.

11 Buffet Intrinsic Value

The company's stock shows signs of being overvalued (-5) according to Warren Buffett's formula, indicating a potential downside as its market price exceeds its estimated intrinsic value.

Banco de Sabadell, S.A. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Banco de Sabadell, S.A. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Banco de Sabadell, S.A. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Banco de Sabadell, S.A. Revenue
Year Revenue Growth
2002 1.121.311.000
2003 1.119.790.000 -0.14%
2004 1.547.963.000 27.66%
2005 1.608.527.000 3.77%
2006 1.830.699.000 12.14%
2007 2.243.472.000 18.4%
2008 2.248.454.000 0.22%
2009 2.465.402.000 8.8%
2010 2.270.878.000 -8.57%
2011 2.056.690.000 -10.41%
2012 3.319.731.000 38.05%
2013 4.637.352.000 28.41%
2014 5.241.047.000 11.52%
2015 5.827.860.000 10.07%
2016 5.649.434.000 -3.16%
2017 5.894.777.000 4.16%
2018 5.573.885.000 -5.76%
2019 5.434.001.000 -2.57%
2020 5.779.557.000 5.98%
2021 5.394.914.000 -7.13%
2022 5.387.000.000 -0.15%
2023 6.436.000.000 16.3%
2023 6.250.000.000 -2.98%
2024 6.224.000.000 -0.42%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Banco de Sabadell, S.A. Research and Development Expenses
Year Research and Development Expenses Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Banco de Sabadell, S.A. General and Administrative Expenses
Year General and Administrative Expenses Growth
2002 667.148.000
2003 583.803.000 -14.28%
2004 271.752.000 -114.83%
2005 256.993.000 -5.74%
2006 179.183.000 -43.42%
2007 185.648.000 3.48%
2008 870.157.000 78.66%
2009 234.900.000 -270.44%
2010 1.013.455.000 76.82%
2011 1.106.991.000 8.45%
2012 233.871.000 -373.33%
2013 220.175.000 -6.22%
2014 239.540.000 8.08%
2015 2.222.715.000 89.22%
2016 456.616.000 -386.78%
2017 706.161.000 35.34%
2018 869.946.000 18.83%
2019 761.586.000 -14.23%
2020 710.482.000 -7.19%
2021 708.943.000 -0.22%
2022 695.000.000 -2.01%
2023 752.000.000 7.58%
2023 725.000.000 -3.72%
2024 792.000.000 8.46%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Banco de Sabadell, S.A. EBITDA
Year EBITDA Growth
2002 433.934.000
2003 419.744.000 -3.38%
2004 791.542.000 46.97%
2005 726.250.000 -8.99%
2006 1.288.686.000 43.64%
2007 1.112.948.000 -15.79%
2008 819.220.000 -35.85%
2009 710.256.000 -15.34%
2010 620.439.000 -14.48%
2011 314.417.000 -97.33%
2012 -159.239.000 297.45%
2013 537.920.000 129.6%
2014 759.529.000 29.18%
2015 1.069.819.000 29%
2016 1.409.897.000 24.12%
2017 1.246.784.000 -13.08%
2018 764.832.000 -63.01%
2019 1.411.677.000 45.82%
2020 401.410.000 -251.68%
2021 1.138.034.000 64.73%
2022 1.777.000.000 35.96%
2023 3.092.000.000 42.53%
2023 2.408.000.000 -28.41%
2024 -98.424.000 2546.56%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Banco de Sabadell, S.A. Gross Profit
Year Gross Profit Growth
2002 1.121.311.000
2003 1.119.790.000 -0.14%
2004 1.547.963.000 27.66%
2005 1.608.527.000 3.77%
2006 1.830.699.000 12.14%
2007 2.243.472.000 18.4%
2008 2.248.454.000 0.22%
2009 2.465.402.000 8.8%
2010 2.270.878.000 -8.57%
2011 2.056.690.000 -10.41%
2012 3.319.731.000 38.05%
2013 4.637.352.000 28.41%
2014 5.241.047.000 11.52%
2015 5.827.860.000 10.07%
2016 5.649.434.000 -3.16%
2017 5.894.777.000 4.16%
2018 5.573.885.000 -5.76%
2019 5.434.001.000 -2.57%
2020 5.779.557.000 5.98%
2021 5.394.914.000 -7.13%
2022 5.387.000.000 -0.15%
2023 6.436.000.000 16.3%
2023 6.250.000.000 -2.98%
2024 5.719.492.000 -9.28%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Banco de Sabadell, S.A. Net Profit
Year Net Profit Growth
2002 220.416.000
2003 234.895.000 6.16%
2004 373.196.000 37.06%
2005 453.128.000 17.64%
2006 905.491.000 49.96%
2007 777.058.000 -16.53%
2008 671.814.000 -15.67%
2009 518.669.000 -29.53%
2010 380.040.000 -36.48%
2011 231.902.000 -63.88%
2012 81.891.000 -183.18%
2013 247.832.000 66.96%
2014 371.677.000 33.32%
2015 708.441.000 47.54%
2016 710.432.000 0.28%
2017 801.466.000 11.36%
2018 328.102.000 -144.27%
2019 694.572.000 52.76%
2020 2.002.000 -34593.91%
2021 530.238.000 99.62%
2022 889.392.000 40.38%
2023 1.856.000.000 52.08%
2023 1.332.181.000 -39.32%
2024 1.932.000.000 31.05%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Banco de Sabadell, S.A. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2002 0
2003 0 0%
2004 18 100%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Banco de Sabadell, S.A. Free Cashflow
Year Free Cashflow Growth
2004 -424.529.000
2005 145.954.000 390.86%
2006 -823.154.000 117.73%
2007 13.708.000 6104.92%
2008 1.056.210.000 98.7%
2009 -867.097.000 221.81%
2010 -663.858.000 -30.61%
2011 399.795.000 266.05%
2012 1.340.326.000 70.17%
2013 -4.567.420.000 129.35%
2014 -1.474.638.000 -209.73%
2015 892.308.000 265.26%
2016 3.279.187.000 72.79%
2017 14.785.257.000 77.82%
2018 -4.202.633.000 451.81%
2019 -11.173.955.000 62.39%
2020 19.738.372.000 156.61%
2021 11.837.056.000 -66.75%
2022 -7.061.497.000 267.63%
2023 -11.055.808.000 36.13%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Banco de Sabadell, S.A. Operating Cashflow
Year Operating Cashflow Growth
2004 -298.249.000
2005 324.725.000 191.85%
2006 245.176.000 -32.45%
2007 255.878.000 4.18%
2008 1.482.479.000 82.74%
2009 -496.267.000 398.73%
2010 -484.177.000 -2.5%
2011 740.332.000 165.4%
2012 1.685.871.000 56.09%
2013 -3.702.593.000 145.53%
2014 -663.949.000 -457.66%
2015 1.705.568.000 138.93%
2016 4.149.262.000 58.89%
2017 15.750.046.000 73.66%
2018 -3.527.010.000 546.56%
2019 -10.395.460.000 66.07%
2020 20.421.390.000 150.9%
2021 12.338.823.000 -65.51%
2022 -6.627.920.000 286.16%
2023 -10.523.303.000 37.02%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Banco de Sabadell, S.A. Capital Expenditure
Year Capital Expenditure Growth
2004 126.280.000
2005 178.771.000 29.36%
2006 1.068.330.000 83.27%
2007 242.170.000 -341.15%
2008 426.269.000 43.19%
2009 370.830.000 -14.95%
2010 179.681.000 -106.38%
2011 340.537.000 47.24%
2012 345.545.000 1.45%
2013 864.827.000 60.04%
2014 810.689.000 -6.68%
2015 813.260.000 0.32%
2016 870.075.000 6.53%
2017 964.789.000 9.82%
2018 675.623.000 -42.8%
2019 778.495.000 13.21%
2020 683.018.000 -13.98%
2021 501.767.000 -36.12%
2022 433.577.000 -15.73%
2023 532.505.000 18.58%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Banco de Sabadell, S.A. Equity
Year Equity Growth
2002 2.541.713.000
2003 2.682.318.000 5.24%
2004 3.096.969.000 13.39%
2005 3.389.626.000 8.63%
2006 4.195.416.000 19.21%
2007 4.604.504.000 8.88%
2008 4.448.065.000 -3.52%
2009 5.297.370.000 16.03%
2010 5.688.543.000 6.88%
2011 5.934.144.000 4.14%
2012 9.260.772.000 35.92%
2013 10.405.591.000 11%
2014 11.215.952.000 7.23%
2015 12.767.661.000 12.15%
2016 13.082.976.000 2.41%
2017 13.221.781.000 1.05%
2018 12.117.000.000 -9.12%
2019 12.974.406.000 6.61%
2020 12.491.638.000 -3.86%
2021 12.996.281.000 3.88%
2022 13.224.000.000 1.72%
2023 13.878.000.000 4.71%
2023 13.777.000.000 -0.73%
2024 14.397.859.000 4.31%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Banco de Sabadell, S.A. Assets
Year Assets Growth
2002 27.224.222.000
2003 30.511.552.000 10.77%
2004 3.096.969.000 -885.21%
2005 3.389.626.000 8.63%
2006 72.779.833.000 95.34%
2007 76.776.002.000 5.2%
2008 80.378.065.000 4.48%
2009 82.822.886.000 2.95%
2010 97.099.209.000 14.7%
2011 100.437.380.000 3.32%
2012 161.547.085.000 37.83%
2013 163.441.470.000 1.16%
2014 163.345.673.000 -0.06%
2015 208.627.771.000 21.7%
2016 212.507.719.000 1.83%
2017 221.348.315.000 3.99%
2018 222.322.421.000 0.44%
2019 223.753.641.000 0.64%
2020 235.763.292.000 5.09%
2021 251.946.591.000 6.42%
2022 251.380.000.000 -0.23%
2023 235.173.000.000 -6.89%
2023 243.261.000.000 3.32%
2024 244.327.801.000 0.44%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Banco de Sabadell, S.A. Liabilities
Year Liabilities Growth
2002 24.682.509.000
2003 27.829.234.000 11.31%
2004 12.254.906.000 -127.09%
2005 16.134.270.000 24.04%
2006 68.584.417.000 76.48%
2007 72.171.498.000 4.97%
2008 75.930.000.000 4.95%
2009 0 0%
2010 21.894.126.000 100%
2011 19.502.465.000 -12.26%
2012 26.492.877.000 26.39%
2013 22.255.961.000 -19.04%
2014 21.208.691.000 -4.94%
2015 34.552.959.000 38.62%
2016 199.424.743.000 82.67%
2017 208.126.534.000 4.18%
2018 210.205.421.000 0.99%
2019 210.779.235.000 0.27%
2020 223.271.654.000 5.6%
2021 238.950.310.000 6.56%
2022 238.156.000.000 -0.33%
2023 25.791.000.000 -823.41%
2023 27.453.000.000 6.05%
2024 229.929.942.000 88.06%

Banco de Sabadell, S.A. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
1.14
Net Income per Share
0.29
Price to Earning Ratio
6.26x
Price To Sales Ratio
1.59x
POCF Ratio
19.91
PFCF Ratio
20
Price to Book Ratio
0.68
EV to Sales
4.01
EV Over EBITDA
13.2
EV to Operating CashFlow
50.34
EV to FreeCashFlow
50.34
Earnings Yield
0.16
FreeCashFlow Yield
0.05
Market Cap
9,80 Bil.
Enterprise Value
24,67 Bil.
Graham Number
4.17
Graham NetNet
-42.5

Income Statement Metrics

Net Income per Share
0.29
Income Quality
0.31
ROE
0.11
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.71
EBT Per Ebit
1.02
Ebit per Revenue
0.35
Effective Tax Rate
0.29

Margins

Sales, General, & Administrative to Revenue
0.12
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.98
Operating Profit Margin
0.35
Pretax Profit Margin
0.36
Net Profit Margin
0.25

Dividends

Dividend Yield
0.08
Dividend Yield %
7.55
Payout Ratio
0
Dividend Per Share
0.14

Operating Metrics

Operating Cashflow per Share
0.09
Free CashFlow per Share
0.09
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.02
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
0,24
Book Value per Share
2,68
Tangible Book Value per Share
2.21
Shareholders Equity per Share
2.67
Interest Debt per Share
10.25
Debt to Equity
3.82
Debt to Assets
0.22
Net Debt to EBITDA
7.96
Current Ratio
0.22
Tangible Asset Value
11,90 Bil.
Net Current Asset Value
-196,08 Bil.
Invested Capital
-112649160000
Working Capital
-117,14 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
5.59

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Banco de Sabadell, S.A. Dividends
Year Dividends Growth
2010 0
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

Banco de Sabadell, S.A. Profile

About Banco de Sabadell, S.A.

Banco de Sabadell, S.A. provides banking products and services to personal, business, and private customers in Spain and internationally. The company offers retail banking products, such as current and savings accounts, personal loans, cards, and mortgages. It also provides financial products and services to large and medium enterprises, SMEs, shops and self-employed workers, private individuals, and professionals; and consumer finance, asset management, and bancassurance services. In addition, the company offers corporate banking services, including financing services, transactional banking services, and other complex custom solutions in finance, treasury, and import/export, among others. Further, it provides insurance and pension products. As of December 31, 2021, the company operated 1,593 branches. Banco de Sabadell, S.A. was founded in 1881 and is based in Alicante, Spain.

CEO
Mr. Cesar Gonzalez-Bueno Mayer
Employee
19.015
Address
Avenida Óscar Esplá, 37
Alicante, 03007

Banco de Sabadell, S.A. Executives & BODs

Banco de Sabadell, S.A. Executives & BODs
# Name Age
1 Mr. Josep Oliu Creus ED, Ph.D.
Executive Chairman of the Board
70
2 Mr. Manuel Tresánchez Montaner
Deputy General Manager of Marketing & Commercial Strategy
70
3 Gabriel Martínez Rafael
Assistant General Manager of Communications & Institutional Relations
70
4 Federico Rodríguez Castillo
Assistant General Manager of Compliance
70
5 Mr. David Vegara Figueras
GM, Chief Risk Officer & Executive Director
70
6 Conchita Álvarez Hernández
Assistant General Manager of Operations, Organization & Resources Human Resources
70
7 Mr. Cesar Gonzalez-Bueno Mayer Wittgenstein
Chief Executive Officer & Executive Director
70
8 Mr. Gonzalo Barettino Coloma
Assistant GM of Legal & Deputy-Secretary of the Board
70
9 Gerardo Artiach
Head of Investor Relations
70
10 Mr. Leopoldo Alvear Trenor
Chief Financial Officer & GM
70

Banco de Sabadell, S.A. Competitors