Banco de Sabadell, S.A. SAB.MC
Financial Services · Banks - Diversified · Spain · IBEX 35
Based on the available data, Banco de Sabadell, S.A. gets an algorithmic score of 58/100. It trades at 3.66 €, with a bullish technical trend (RSI 50.4) and 27.2% annual volatility.
Updated: 2026-09-30
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Strengths
- High net margin (41.7%): pricing power / competitive advantage.
- Attractive free-cash-flow yield (6.2%).
- Low valuation (P/E 11.2).
- Meaningful dividend (5.57%).
Weaknesses
- Shrinking revenue (-3.7% per year).
Fundamentals
| P/E | 18.31 |
| Forward P/E | 11.21 |
| PEG | 4.40 |
| P/B | 1.30 |
| P/S | 4.07 |
| ROE % | 8.13 |
| ROA % | 0.48 |
| Gross margin % | 0.00 |
| Operating margin % | 61.39 |
| Net margin % | 41.73 |
| Revenue CAGR % | -3.74 |
| Earnings CAGR % | 25.91 |
| FCF yield % | 6.18 |
| Dividend yield % | 5.57 |
| Payout % | 71.40 |
Returns
| 1 month | +1.6 % |
| 3 months | +15.0 % |
| 6 months | +39.7 % |
| YTD | +24.3 % |
| 1 year | +31.8 % |
| 3 years | +353.9 % |
| 5 years | +730.1 % |
| 10 years | +428.4 % |
Risk
| 1-year volatility | 27.2 % |
| Beta | 1.31 |
| 5-year max drawdown | -37.0 % |
| Sharpe 1A | 1.00 |
Macroeconomic context
Benefits from high rates and a positive curve (net interest margin). Sensitive to credit quality and the cycle: loan-loss provisions rise in recessions. As a Spanish company, it depends on ECB policy, the Spanish risk premium, the eurozone cycle and, if it operates in Latin America, on emerging-market currencies (BRL, MXN).
How the score is calculated
The score combines profitability (ROE, ROA, net margin), growth (revenue and earnings), valuation (P/E, EV/EBITDA, free cash flow), financial strength (debt and liquidity; not applied to banks and insurers) and momentum (6 and 12-month returns and trend). It is an educational quantitative filter, not a buy or sell recommendation.