BDS Stock Overview

Provides banking products and services to personal, business, and private customers in Spain and internationally. More details

BDS fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	4/6
Financial Health	4/6
Dividends	4/6

Rewards

Trading at 54.6% below our estimate of its fair value

Earnings grew by 21.8% over the past year

Risk Analysis

Earnings are forecast to decline by an average of 2.5% per year for the next 3 years

Unstable dividend track record

My Notes

Capture your thoughts, links and company narrative

Banco de Sabadell, S.A. Competitors

Commerzbank

XTRA:CBK

€18.1b

ProCredit Holding

XTRA:PCZ

€465.3m

Merkur PrivatBank KgaA

XTRA:MBK

€105.8m

China Zheshang Bank

SEHK:2016

HK$81.1b

Price History & Performance

Summary of share price highs, lows and changes for Banco de Sabadell
Historical stock prices
Current Share Price	€3.58
52 Week High	€4.06
52 Week Low	€2.06
Beta	1.03
1 Month Change	4.07%
3 Month Change	-4.28%
1 Year Change	73.79%
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	163.24%

Recent updates

Shareholder Returns

	BDS	DE Banks	DE Market
7D	-0.6%	-0.1%	-0.2%
1Y	73.8%	19.4%	7.0%

Return vs Industry: BDS exceeded the German Banks industry which returned 19.4% over the past year.

Return vs Market: BDS exceeded the German Market which returned 7% over the past year.

Price Volatility

Is BDS's price volatile compared to industry and market?
BDS volatility
BDS Average Weekly Movement	4.2%
Banks Industry Average Movement	3.1%
Market Average Movement	4.9%
10% most volatile stocks in DE Market	11.7%
10% least volatile stocks in DE Market	2.4%

Stable Share Price: BDS has not had significant price volatility in the past 3 months compared to the German market.

Volatility Over Time: BDS's weekly volatility (4%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1881	18,897	Cesar Gonzalez-Bueno Wittgenstein	www.grupbancsabadell.com

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.

Banco de Sabadell, S.A. Fundamentals Summary

How do Banco de Sabadell's earnings and revenue compare to its market cap?
BDS fundamental statistics
Market cap	€10.02b
Earnings (TTM)	€1.48b
Revenue (TTM)	€5.43b

6.8x

P/E Ratio

0.7x

P/B Ratio

Is BDS overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
BDS income statement (TTM)
Revenue	€5.43b
Cost of Revenue	€0
Gross Profit	€5.43b
Other Expenses	€3.95b
Earnings	€1.48b

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	0.27
Gross Margin	100.00%
Net Profit Margin	27.32%
Debt/Equity Ratio	275.7%

How did BDS perform over the long term?

See historical performance and comparison

Dividends

4.3%

Current Dividend Yield

40%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/27 09:04
End of Day Share Price	2024/12/23 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Banco de Sabadell, S.A. is covered by 46 analysts. 13 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
David Grinsztajn	AlphaValue
Carlos Peixoto	Banco BPI, S.A.
Fabio Mostacci	Banco de Madrid S.A.U.