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Banco de Sabadell, S.A (SAB) Fair Value & Analysis

Financial Services · ES · Market cap €15.5B

BD Banco de Sabadell, S.A SAB · MC
Price€3.21
Fair Value€4.79
Upside+49.2%
Quality67/100
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Evidence: High Range €3.59 – €5.98

Fair value as of: Jul 16, 2026

From 25 valuation models · updated today

Fair value updated Jul 16, 2026, revised from €4.70 to €4.79 (+1.9%) since Jun 26, 2026. Share price +4.6% over the past month.

Price vs Fair Value (12 months)

€3.23 €2.48 Fair Value €4.79 Jul 2025 Jul 2026

12‑month range €2.48 – €3.23 · fair‑value band €3.59 – €5.98 · the €3.21 price screens below the €4.79 fair value. As of Jul 16, 2026.

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Analysis

Banco de Sabadell, S.A (SAB) currently trades at €3.21, while our model-based Fair Value estimate is €4.79, implying the stock looks roughly 49.2% undervalued today. We read business quality at 67/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Over the trailing twelve months, Banco de Sabadell, S.A generated revenue of €4.3B at a net margin of 38.4%. Revenue declined 10.6% year over year. It earns a return on equity of 9.6%. Net debt stands at €13.9B. Fundamentals as of Jul 16, 2026

Our scenario range runs from €3.59 (bear case) to €5.98 (bull case); at €3.21, the current price sits below that range. The share trades near its 52-week high and 43% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -3% fair-value upside, at 49%, SAB screens cheaper than that median.

Key figures & financial health

Revenue (TTM) €4.3B
Revenue growth (YoY) -10.7%
Net margin 38.1%
Return on equity 8.7%
Free cash flow €9.6B FY2025
P/E ratio 14.0
More key figures
Operating margin 50.2%
EPS (TTM) €0.2300
EPS growth (YoY) -22.8%
Net debt €13.9B FY2025

Figures from reported company fundamentals (EODHD) · as of Jul 16, 2026. TTM = trailing twelve months.

About the company

Banco de Sabadell, S.A. provides banking products and services in Spain, the United Kingdom, and Mexico. The company offers retail banking products, including investment products and medium- and long-term finance, such as consumer loans, mortgages, leasing and rental services, as well as other short-term finance; and cards and insurance products to individuals for personal use. It also provides financial products and services comprising investment and financing products, which include working capital products, revolving loans, and medium- and long-term finance; and custom structured finance and capital market solutions, and specialized advice for businesses; and cards and PoS terminals, as well as import and export and personalized expert advice services to companies and self-employed persons. In addition, the company offers corporate banking services consisting of financial and advisory solutions to large corporations and financial institutions; and structured finance, treasury, …

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Banco de Sabadell, S.A reported revenue of €7.8B in FY2025 versus €4.1B in FY2021, a compound +17.6%/yr. Reported net income was €1.8B in FY2025, compounding +35.2%/yr from FY2021.

Revenue +17.6%/yr
FY21 €4.1B
FY22 €4.3B
FY23 €5.0B
FY24 €5.7B
FY25 €7.8B
Net income +35.2%/yr
FY21 €530M
FY22 €889M
FY23 €1.3B
FY24 €1.8B
FY25 €1.8B

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Cite: Fair Value Calculator (2026). "Banco de Sabadell, S.A Fair Value". https://www.fairvalue-calculator.com/stock/SAB

Recent news

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Frequently asked questions

Is Banco de Sabadell, S.A (SAB) undervalued?
As of Jul 16, 2026, our model estimates a fair value of €4.79 versus a price of €3.21, about +49% (undervalued). Model-based estimate, not financial advice.
What is the fair value of SAB?
Our model-based fair value for Banco de Sabadell, S.A is €4.79 (as of Jul 16, 2026), built from audited fundamentals. The current price is €3.21.
What is the quality score of SAB?
Banco de Sabadell, S.A has a Quality Score of 67/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of Banco de Sabadell, S.A (SAB)?
Banco de Sabadell, S.A reported trailing-twelve-month revenue of about €4.3B (latest available figure, as of Jul 16, 2026).
What is the net profit margin of SAB?
The net profit margin of Banco de Sabadell, S.A is about 38.4%, meaning it keeps roughly 38.4% of revenue as net income. Based on the latest reported figures.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.

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