Banco de Sabadell, S.A.
Banco de Sabadell, S.A. Fundamental Analysis
Banco de Sabadell, S.A. (BNDSF) shows moderate financial fundamentals with a PE ratio of 33.79, profit margin of 25.80%, and ROE of 12.40%. The company generates $1.8B in annual revenue with strong year-over-year growth of 14.55%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 42.8/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze BNDSF's fundamental strength across five key dimensions:
Efficiency Score
WeakBNDSF struggles to generate sufficient returns from assets.
Valuation Score
ModerateBNDSF shows balanced valuation metrics.
Growth Score
ExcellentBNDSF delivers strong and consistent growth momentum.
Financial Health Score
WeakBNDSF carries high financial risk with limited liquidity.
Profitability Score
WeakBNDSF struggles to sustain strong margins.
Key Financial Metrics
Is BNDSF Expensive or Cheap?
P/E Ratio
BNDSF trades at 33.79 times earnings. This suggests a premium valuation.
PEG Ratio
When adjusting for growth, BNDSF's PEG of -1.94 indicates potential undervaluation.
Price to Book
The market values Banco de Sabadell, S.A. at 4.27 times its book value. This suggests the stock is fully valued or overvalued on an asset basis.
EV/EBITDA
Enterprise value stands at -2.63 times EBITDA. This is generally considered low.
How Well Does BNDSF Make Money?
Net Profit Margin
For every $100 in sales, Banco de Sabadell, S.A. keeps $25.80 as profit after all expenses.
Operating Margin
Core operations generate 38.90 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $12.40 in profit for every $100 of shareholder equity.
ROA
Banco de Sabadell, S.A. generates $0.72 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Banco de Sabadell, S.A. generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
Banco de Sabadell, S.A. generates weak or negative free cash flow of $0.00, restricting financial flexibility.
FCF Per Share
Each share generates $0.00 in free cash annually.
FCF Yield
BNDSF converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
33.79
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-1.94
vs 25 benchmark
P/B Ratio
Price to book value ratio
4.27
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.24
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
3.74
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.17
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.12
vs 25 benchmark
ROA
Return on assets percentage
0.007
vs 25 benchmark
ROCE
Return on capital employed
0.05
vs 25 benchmark
How BNDSF Stacks Against Its Sector Peers
| Metric | BNDSF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 33.79 | 18.73 | Worse (Expensive) |
| ROE | 12.40% | 847.00% | Weak |
| Net Margin | 25.80% | 2562.00% | Weak |
| Debt/Equity | 3.74 | 0.93 | Weak (High Leverage) |
| Current Ratio | 0.17 | 674.76 | Weak Liquidity |
| ROA | 0.72% | -21692.00% (disorted) | Weak |
BNDSF outperforms its industry in 0 out of 6 key metrics, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Banco de Sabadell, S.A.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
8.25%
Industry Style: Value, Dividend, Cyclical
GrowingEPS CAGR
145.10%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
159.63%
Industry Style: Value, Dividend, Cyclical
High Growth