BNDSY

Banco de Sabadell, S.A.

USD

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Price alert · BNDSY

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7.65 USD -0.35 -4.37%
As of Oct 30, 2026
7.74 Day range 7.74
6.15 52-week range 8.99
YTD
-2.42%
1 year
+5.37%
Open
7.74
Prev close
8.00
Mkt cap
17.95B
Vol
250
Avg vol
1.50K
EPS
0.81
P/E
9.44
More statistics
Low
7.74
High
7.74
Earnings
Oct 22, 2026

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Financial health

Altman Z-Score

-0.67 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

C+2 / 5 overall

  • DCF 1
  • Return on Equity 4
  • Return on Assets 2
  • Debt / Equity 1
  • P/E 3
  • P/B 2

Valuation

P/E 11.1×
FY 2016: 11.0×FY 2017: 12.2×FY 2018: 18.3×FY 2019: 7.7×FY 2020: -26.7×FY 2021: 7.3×FY 2022: 6.3×FY 2023: 4.5×FY 2024: 5.8×FY 2025: 11.1×
FY 2016 5y median 6.3× FY 2025
P/S 2.5×
FY 2016: 1.4×FY 2017: 1.6×FY 2018: 1.1×FY 2019: 1.1×FY 2020: 0.5×FY 2021: 0.8×FY 2022: 1.1×FY 2023: 1.1×FY 2024: 1.8×FY 2025: 2.5×
FY 2016 5y median 1.1× FY 2025
P/B 1.3×
FY 2016: 0.6×FY 2017: 0.7×FY 2018: 0.5×FY 2019: 0.5×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.4×FY 2023: 0.4×FY 2024: 0.7×FY 2025: 1.3×
FY 2016 5y median 0.4× FY 2025
P/FCF 2.0×
FY 2016: 2.4×FY 2017: 0.7×FY 2018: -1.4×FY 2019: -0.5×FY 2020: 0.1×FY 2021: 0.3×FY 2022: -0.7×FY 2023: -0.5×FY 2024: -0.9×FY 2025: 2.0×
FY 2016 5y median -0.5× FY 2025
EV/EBITDA 5.1×
FY 2016: 21.1×FY 2017: 9.6×FY 2018: 0.0×FY 2019: 11.4×FY 2020: -30.4×FY 2021: -22.8×FY 2022: -10.2×FY 2023: -2.8×FY 2024: 7.9×FY 2025: 5.1×
FY 2016 5y median -2.8× FY 2025
EV/Sales 1.5×
FY 2016: 5.0×FY 2017: 1.5×FY 2018: 1.1×FY 2019: 2.9×FY 2020: -3.0×FY 2021: -6.0×FY 2022: -4.3×FY 2023: -1.4×FY 2024: 4.1×FY 2025: 1.5×
FY 2016 5y median -1.4× FY 2025
FCF Yield 50.0%
FY 2016: 41.5%FY 2017: 153.1%FY 2018: -69.9%FY 2019: -187.0%FY 2020: 1033.8%FY 2021: 376.5%FY 2022: -143.8%FY 2023: -207.6%FY 2024: -116.2%FY 2025: 50.0%
FY 2016 5y median -116.2% FY 2025

Profitability

Gross Margin 64.9%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 100.0%FY 2020: 100.0%FY 2021: 100.0%FY 2022: 100.0%FY 2023: 100.0%FY 2024: 100.0%FY 2025: 64.9%
FY 2016 5y median 100.0% FY 2025
Operating Margin 27.6%
FY 2016: 17.9%FY 2017: 14.3%FY 2018: 28.7%FY 2019: 17.3%FY 2020: 18.8%FY 2021: 29.2%FY 2022: 36.3%FY 2023: 42.4%FY 2024: 48.3%FY 2025: 27.6%
FY 2016 5y median 36.3% FY 2025
Net Margin 23.6%
FY 2016: 12.6%FY 2017: 13.6%FY 2018: 5.9%FY 2019: 14.1%FY 2020: 0.1%FY 2021: 13.0%FY 2022: 20.5%FY 2023: 26.7%FY 2024: 32.0%FY 2025: 23.6%
FY 2016 5y median 23.6% FY 2025
ROE 12.6%
FY 2016: 5.5%FY 2017: 6.1%FY 2018: 2.7%FY 2019: 5.9%FY 2020: 0.0%FY 2021: 4.1%FY 2022: 6.8%FY 2023: 9.6%FY 2024: 12.2%FY 2025: 12.6%
FY 2016 5y median 9.6% FY 2025
ROIC 0.6%
FY 2016: 0.4%FY 2017: 0.4%FY 2018: 0.7%FY 2019: 0.4%FY 2020: -0.0%FY 2021: 1.3%FY 2022: 1.3%FY 2023: 0.6%FY 2024: 3.4%FY 2025: 0.6%
FY 2016 5y median 1.3% FY 2025
ROA 0.7%
FY 2016: 0.3%FY 2017: 0.4%FY 2018: 0.1%FY 2019: 0.3%FY 2020: 0.0%FY 2021: 0.2%FY 2022: 0.4%FY 2023: 0.6%FY 2024: 0.8%FY 2025: 0.7%
FY 2016 5y median 0.6% FY 2025

Growth (YoY)

Revenue 31.8%
FY 2016: -3.1%FY 2017: 4.3%FY 2018: -5.4%FY 2019: -2.5%FY 2020: -32.7%FY 2021: 11.1%FY 2022: 6.8%FY 2023: 14.8%FY 2024: 14.5%FY 2025: 31.8%
FY 2016 FY 2025
Operating Income -24.6%
FY 2016: 36.9%FY 2017: -16.7%FY 2018: 89.3%FY 2019: -41.1%FY 2020: -27.0%FY 2021: 72.5%FY 2022: 32.8%FY 2023: 34.2%FY 2024: 30.6%FY 2025: -24.6%
FY 2016 FY 2025
EPS (diluted) -6.3%
FY 2016: -7.1%FY 2017: 7.7%FY 2018: -58.5%FY 2019: 141.0%FY 2020: -109.1%FY 2021: 700.8%FY 2022: 82.1%FY 2023: 57.1%FY 2024: 45.5%FY 2025: -6.3%
FY 2016 FY 2025
Free Cash Flow 179.5%
FY 2016: 267.5%FY 2017: 350.9%FY 2018: -128.4%FY 2019: -165.9%FY 2020: 276.6%FY 2021: -40.0%FY 2022: -159.7%FY 2023: -56.6%FY 2024: -5.1%FY 2025: 179.5%
FY 2016 FY 2025

Financial Health

Current Ratio 1.6×
FY 2016: 234×FY 2017: 216×FY 2018: 230×FY 2019: 284×FY 2020: 60.6×FY 2021: 75.0×FY 2022: 44.7×FY 2023: 27.7×FY 2024: 0.2×FY 2025: 1.6×
FY 2016 5y median 27.7× FY 2025
Quick Ratio 1.6×
FY 2016: 271×FY 2017: 257×FY 2018: 278×FY 2019: 321×FY 2020: 60.6×FY 2021: 75.0×FY 2022: 44.7×FY 2023: 27.7×FY 2024: 0.2×FY 2025: 1.6×
FY 2016 5y median 27.7× FY 2025
Debt / Equity 1.6×
FY 2016: 2.6×FY 2017: 2.1×FY 2018: 2.1×FY 2019: 2.1×FY 2020: 1.9×FY 2021: 1.8×FY 2022: 1.7×FY 2023: 1.8×FY 2024: 2.2×FY 2025: 1.6×
FY 2016 5y median 1.8× FY 2025
Net Debt / EBITDA -3.1×
FY 2016: 15.2×FY 2017: -0.7×FY 2018: 0.0×FY 2019: 7.0×FY 2020: -35.6×FY 2021: -25.8×FY 2022: -12.9×FY 2023: -5.0×FY 2024: 4.5×FY 2025: -3.1×
FY 2016 5y median -5.0× FY 2025
Interest Coverage 0.8×
FY 2016: 0.8×FY 2017: 0.8×FY 2018: 1.3×FY 2019: 0.7×FY 2020: 0.7×FY 2021: 1.6×FY 2022: 1.3×FY 2023: 0.5×FY 2024: 0.6×FY 2025: 0.8×
FY 2016 5y median 0.8× FY 2025

Dividends

Dividend Yield 7.1%
FY 2016: 2.0%FY 2017: 2.9%FY 2018: 6.5%FY 2019: 0.9%FY 2020: 5.9%FY 2021: 0.0%FY 2022: 5.7%FY 2023: 5.1%FY 2024: 5.9%FY 2025: 7.1%
FY 2016 5y median 5.7% FY 2025
Payout Ratio 74.0%
FY 2016: 22.5%FY 2017: 35.0%FY 2018: 119.5%FY 2019: 7.3%FY 2020: 5621.3%FY 2021: 0.0%FY 2022: 31.6%FY 2023: 20.5%FY 2024: 32.4%FY 2025: 74.0%
FY 2016 5y median 31.6% FY 2025

Annual · latest fiscal year ends 2025-12-31