Banco de Sabadell, S.A. SAB.MC
Composite 46/100; the shares have moved about 25% annualised. Names that move more contribute more risk for the same amount invested, and our composite reflects how strong the evidence for this one is right now.
Growth ranks 16/100 — a strong mark against it.
Momentum ranks 79/100 — a strong point in its favour. Income ranks 68/100 — a moderate point in its favour. Valuation ranks 59/100 — a slight point in its favour.
Growth ranks 16/100 — a strong mark against it. Balance-sheet strength ranks 35/100 — a moderate mark against it. Quality ranks 37/100 — a moderate mark against it.
What the company does Banco de Sabadell provides retail and corporate banking, investment products, and insurance services across Spain, the UK, and Mexico. Its offerings include mortgages, consumer loans, cards, leasing, and specialized financing for businesses and large corporations.
Key financials ROE is 8.1% and ROA 0.5%. Gross, operating, and net margins are 100.0%, 61.4%, and 41.7%, respectively. Revenue fell -10.7% and EPS -22.8% year-over-year. Dividend yield is 0.0% with a 71.4% payout ratio.
Stock health Momentum is positive: +14.72% over 3m, +18.98% over 6m, and +26.44% over 12m. RSI(14) is 52.80. The SidraVista overall score is 49.1 (average quality, fairly valued, positive momentum).
Price vs fair value The stock trades at a PREMIUM of 2.50% to our fair-value estimate of 3.15 and at a discount of 4.72% to the 12-month target of 3.38. - Trading near fair value despite restructuring news (Sabadell to expand AI focus, centralise key functions in restructure — Retail Banker International) - Analyst target implies ~5% upside from current price (analyst count 20.0) - Premium to fair value suggests limited near-term upside without execution on AI and cost initiatives
Looking forward Forward P/E of 11.76 and PEG of 0.28 indicate potential value if growth resumes. Execution on AI-driven efficiency and centralized operations will be key to closing the valuation gap.
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Data as of 2026-09-04, compiled from third-party sources; errors and delays are possible and figures are not warranted. Investing puts your capital at risk; past performance does not predict future results. We publish our full track record, including the calls that lost, and our conflicts of interest.