Banco de Sabadell, S.A.

Banco de Sabadell, S.A.

SAB.MC
Banco de Sabadell, S.A.ES flagMadrid Stock Exchange
3.23
EUR
+0.05
- -
15.72BMarket Cap
Banco de Sabadell, S.A.
SAB.MC
(Madrid Stock Exchange)

Recent

price

3.23

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
0.97
1.27
1.13
1.14
1.26
1.13
1.02
1.04
0.98
0.98
1.04
0.97
0.98
1.16
0.96
0.95
1.17
Revenue per Share
0.19
0.13
0.03
0.04
0.09
0.14
0.13
0.14
0.06
0.14
- -
0.09
0.16
0.25
0.34
0.34
0.33
Basic EPS, GAAP
-0.34
0.22
0.44
-1.13
-0.35
0.16
0.59
2.08
-0.74
-2.02
3.54
2.12
-1.26
-2.05
-2.16
0.21
- -
Free Cash Flow per Basic Share
0.06
0.08
- -
0.01
0.01
- -
0.03
0.05
0.07
0.01
0.02
- -
0.05
0.05
0.11
0.27
- -
Dividend per Share
0.27
0.22
0.15
0.16
0.21
0.28
0.26
0.27
0.18
1.14
1.1
1.19
1.33
1.56
1.84
2.05
0.2
Book Value per Share
2.47
2.66
2.68
2.15
2.31
2.15
1.98
1.94
1.71
1.88
1.77
1.86
1.9
2.11
2.32
2.25
2.32
Tangible Book Value per Share
1,967
1,844
3,029
4,059
4,169
4,963
5,534
5,654
5,649
5,538
5,582
5,586
5,594
5,401
5,376
5,152
4,972
Basic Weighted Avg Shares
1,915
2,344
3,426
4,637
5,241
5,610
5,641
5,906
5,521
5,434
5,780
5,395
5,474
6,282
5,141
4,883
5,792
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
159
131
157
228
278
329
396
402
353
470
523
527
545
519
436
421
496
Depreciation Expense
380
232
82
146
372
708
710
801
328
768
2
530
889
1,332
1,827
1,775
1,633
Net Income, GAAP
17.53
- -
- -
9.72
22.56
4.37
29.78
5.08
19.97
18.32
- -
13.11
29.31
29.47
27.51
32.96
32.06
Effective Tax Rate (%)
19.84
9.89
2.39
3.15
7.09
12.63
12.6
13.57
5.94
14.13
0.03
9.83
16.25
21.2
35.53
36.36
28.2
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
21,894
19,502
26,493
22,256
28,475
34,929
34,372
27,396
25,837
26,413
23,762
22,837
24,755
30,112
32,367
22,535
20,120
LT Debt
5,689
5,934
9,289
10,216
11,216
12,768
13,083
13,222
12,117
12,974
12,492
12,996
13,086
13,879
15,033
14,082
14,019
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
62.79
49.14
19.1
26.55
48.84
62.61
50.73
54.95
25.87
20.86
0.03
8.27
12.59
16.79
19.97
17.39
152.86
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
4,997
4,998
4,920
Market Capitalization
17,331
17,244
15,114

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
29,785
12,935
22,967
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
1.13%
2.55%
-6.33%
Free Cash Flow
7.7%
-49.45%
-109.19%
Net Income, GAAP
2,652.56%
5,307.45%
-2.81%
Sales/Revenue/Turnover
-1.01%
-2.72%
-5.03%
Total Cash Common Dividend
- -
- -
131.11%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1,392
1,632
1,611
1,545
5,141
2025
1,193
1,666
1,510
1,482
4,883
2026
1,134
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.06
0.09
0.09
0.1
0.34
2025
0.09
- -
0.08
0.08
0.34
2026
0.07
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.11
2025
- -
- -
- -
- -
0.27
2026
- -
- -
- -
- -
- -
Business
Banco de Sabadell, S.A. Banco de Sabadell, S.A. (SAB.MC) operates as a Spanish multinational universal bank specializing in retail, commercial, and private banking services, primarily targeting small and medium-sized enterprises (SMEs), affluent individuals, retailers, self-employed professionals, and large corporations with a focus on international trade; it offers a comprehensive range of products including current and savings accounts, personal and consumer loans, mortgages, debit and credit cards, leasing and rental services, short-term financing, working capital facilities, revolving loans, medium- and long-term finance, structured finance solutions, investment funds, pension plans, savings insurance, payment methods such as point-of-sale (PoS) terminals, import/export remittances, collections and payments, corporate treasury, investment banking, trading, custody, and research services. The bank maintains a multi-brand strategy through brands such as SabadellAtlántico, SabadellGuipuzcoano, Banco Herrero, SabadellSolbank, ActivoBank, SabadellUrquijo, SabadellGallego, and SabadellCAM, serving personal, business, and institutional clients across diverse sectors including franchises, agriculture, tourism, real estate, and startups; its subsidiaries and affiliates include BanSabadell Fincom for consumer finance, Solvia for real estate services, and TSB Banking Group in the United Kingdom, with operations spanning Spain, the UK, Andorra, the US, Mexico, and international branches in locations such as London, Paris, Miami, Mexico City, New York, and others in 14 countries overall. Founded in 1881 and headquartered in Alicante, Spain with a significant presence in Sabadell, Catalonia, the bank employs over 18,000 staff across approximately 1,600 branches and supports 12 million customers with total assets exceeding €250 billion. In recent developments, Banco de Sabadell announces a new Strategic Plan for 2025-2027 in July 2025 aimed at delivering €6.3 billion in shareholder returns, achieving over €1.6 billion in profit by 2027 through accelerated loan book growth of 5% annually, enhanced customer acquisition especially via digital channels, revenue expansion in consumer banking, private banking, insurance via its alliance with Zurich, and PoS penetration, alongside improved asset quality and cost efficiency, without reliance on its UK subsidiary TSB; it proposes the sale of TSB Banking Group to Banco Santander for £2.65 billion subject to shareholder and regulatory approvals, enabling an extraordinary dividend distribution; faces an ongoing hostile takeover bid from BBVA launched in 2024 and amended in September 2025 to an all-stock offer valued at €17 billion, which the bank and Spanish authorities oppose, with the CNMV communicating outcomes in October 2025; relocates its registered office back to Sabadell, Plaça de Sant Roc in early 2025 after a prior move to Alicante in 2017; and reports robust third-quarter 2025 net profit growth of 7.3% to €1.39 billion driven by higher loan volumes, customer funds, and reduced provisions.