Banco de Sabadell, S.A. (BNDSF) 📈: отчетность и дивиденды за 2025

Capitalization

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	LTM	5 year average	CAGR 5
Капитализация, млрд €		13.03	8.92	10.94	9.14	5.79	2.59	3.46	4.62	6.44	6.6
Выручка, млрд €		5.83	5.65	5.89	5.57	5.43	5.78	5.39	5.39	4.99	6.25
Чистая прибыль, млрд €		0.7084	0.7104	0.8015	0.3281	0.6946	0.002	0.5302	0.8894	1.33	1.33
EV, млрд €	65.45				8.51	20.61	-8.22	-22.89	-18.69	-25.07	-5.48
EBIT, млрд €		0.741	1.01	0.8445	0.4117	0.942	-0.1218	0.6115	1.23	1.89	1.89
EBITDA, млрд €		1.07	1.41	1.25	0.7648	1.41	0.4014	1.14	1.78	2.41	2.41
Баланс стоимость, млрд €		12.73	13.03	13.16	12.05	12.91	12.42	12.97	13.19	13.84	13.84
FCF, млрд €		0.8923	3.28	14.79	-4.2	-11.17	19.74	11.84	-7.06	-11.06	-11.06
Операционный денежный поток, млрд €		1.71	4.15	15.75	-3.53	-10.4	20.42	12.34	-6.63	-10.52	-10.52
Операционная прибыль, млрд €		0.741	1.01	0.8445	0.4117	0.942	-0.1218	0.6115	1.23	2.11	1.89
Операционные расходы, млрд €		3.05	3.46	3.68	3.97	3.76	3.74	3.53	3.34	2.87	3.52
CAPEX, млрд €		0.8133	0.8701	0.9648	0.6756	0.7785	0.683	0.5018	0.4336	0.5325	0.5325

	2018Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
Капитализация, млрд €		3.8	4.13	4.89	4.67	3.92	4.79	6.62	5.84	6.37	6.77
Выручка, млрд €					1.4	1.34	1.22	1.45	1.47	1.61	1.37	1.62	1.56	1.61
Чистая прибыль, млрд €					0.1882	0.317	0.149	0.205	0.3587	0.464	0.304	0.308	0.483	0.503
EV, млрд €	12.44					-30.28	-20.26	-16.37	-8.26	-9.66	-5.46	-2.75	25.44	-29.86
EBIT, млрд €				0.306	0.2524	0.447	0.226	0.342	0.507	0.654	0.386	0.484	-0.1496
EBITDA, млрд €				0.442	0.3888	0.584	0.362	0.48	0.643	0.773	0.512	0.608	-0.0246
Баланс стоимость, млрд €					13.01	13.33	13.19	13.11	13.49	13.74	13.84	14.21	14.36	14.39
FCF, млрд €			0	0	0.000184	0.274	0.2769	0.276	0.2492	0.2251	0.228
Операционный денежный поток, млрд €					0.000184	0.274	0.2769	0.276	0.2492	0.2251	0.228
Операционная прибыль, млрд €				0.306	0.2524	0.447	0.226	0.342	0.507	0.654	0.386	0.484	0.7182
Операционные расходы, млрд €					0.9161	0.722	0.72	0.92	0.748	0.753	0.751	0.979	0.7128	1.61

	5 quarters average	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	LTM	5 year average	CAGR 5
Наличность, млрд €			7.45	14.01	28.13	25.91	16.94	36.81	50.38	46.12	30.96	37.14
Short Term Investments €		3.78	0.7285	0.0079	2	0.596					6.18
Long term investments €		19.76	25.61	28.67	27.54	29.5	31.08	29.35	25.27	33.39	32.95
Total Receivables €	93.34	92.54	132.63	132.86	129.4	122.81	135.57	0.5069	0.058	0.2066
Total Current Assets €			140.08	146.87	157.54	148.72	152.51	36.81	50.44	46.12	37.14	37.14
Чистые активы, млрд €		1.32	1.85	2.07	1.86	1.8	2.95	2.85	2.4	2.28
Активы, млрд €			208.63	212.51	221.35	222.32	223.75	235.76	251.95	251.38	235.17	235.17
Short Term Debt €		30.03					8.56	7.18	6.52	30.89	19.83	19.83
Long Term Debt €		21.21	31.7	29.56	26.5	21.71	23.2
Задолженность, млрд €			34.55	199.42	208.13	210.21	210.78	223.27	238.95	238.16	221.29	25.79
Чистый долг, млрд €			27.1	20.42	-0.6445	0.0057	9.56	-13.05	-27.54	-23.55	-30.96	-11.35
Долг, млрд €		51.25				24.48	31.76	21.17	21.77	22.58	25.79	25.79
Interest income €				5.13	4.69	4.67	4.8	4.32	3.43	3.8	4.72
Расходы на обслуживание долга €			1.64	1.33	1.04	1.19	1.36	0.9247	0.7221	1.19	3.94	3.94
Чист. проц. доходы, млрд €				3.84	3.8	3.68	3.62	3.4	3.43	3.8	4.72	5.29
Goodwill €		1.08	1.09	1.09	1.02	1.03	1.03	1.03	1.03	1.03	1.02
Амортизация, млрд €			0.3289	0.3959	0.4022	0.3531	0.4697	0.5232	0.5265	0.5451	0.519	0.519
Себестоимость, млрд €											-1.26
Товарно материальные запасы €		5.01	6.08	4.95	4.4	4.91	-19.74	0.8519	-52.28	0.631

	2016Q3	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q2	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
Наличность, млрд €																					46.38	53.36	46.12	46.38	40.07	42.85	37.14	36.05	1.29	41.01
Short Term Investments €			0.0648		1.56	0.099	6.44	0.349	0.596	1.01	0.0039	0.32																	32.28
Long term investments €																		24.91	25.27	25.92	30.39	34.44	33.39	33.59	33.83	33.24	32.95
Total Receivables €																	0.4579	0.06	0.058	0.035	0.2744	6.93	0.2066	6.81	0.3055	6.73
Total Current Assets €																					46.38	53.36	46.12	46.38	40.07	42.85	37.14	36.05	1.29	41.01
Чистые активы, млрд €																3.17	2.5	2.78	2.4		2.34	2.59	2.28	2.47	2.16	2.38
Активы, млрд €																					257.23	260.41	251.38	248.48	243.45	243.26	235.17	236.14	244.33	245.51
Short Term Debt €					33.72	34.32	0.5617														5.94	0.012	30.89	0.517	15.01		19.83		12.31
Long Term Debt €				22.32	20.68	22.73	21.17	21.26	24.98	22.4	21.64	22.62	23.2
Задолженность, млрд €																					20.89	21.62	238.16	25.88	26.3	27.45	25.79	25.55	229.93	231.09
Чистый долг, млрд €																					-25.49	-31.73	-23.55	-20.5	-13.77	-15.4	-11.35	-10.5	14.87	-41.01
Долг, млрд €						57.05	21.73															23.92	24.49	27.99	26.3	27.45	25.79	25.55	54.8
Interest income €																		0.877	0.863	0.858	1.33	0.965	1.08	1.1	1.17	1.24	1.21
Расходы на обслуживание долга €	0.307	0.255	0.2881	0.209		0.218																0.075	0.12	0.165		0.241	0.0891
Чист. проц. доходы, млрд €																				0.858	0.8986	0.965	1.08	1.1	1.17	1.24	1.21	1.38	1.41
Goodwill €											1.03		1.03	1.03	1.03		1.03		1.03		1.03		1.03		1.02		1.02
Амортизация, млрд €																					0.1364	0.137	0.136	0.138	0.136	0.119	0.126	0.124	0.125	0.126
Себестоимость, млрд €																													0.1261
Товарно материальные запасы €										1.01	4.93		1.54	1.67	0.8519		1.06		0.7159		0.6637		0.631		0.5678

	5 quarters average	CAGR 5

Share

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	0.23	0.18	0.23	0.06	0.13	0.02	0.14	0.159	0.2466			0.2466
Цена акции ао			2.05	1.16	1.18	0.69	0.63	0.923	1.19	1.95	2.66	2.66
Число акций ао, млн	5746.27	5609.89	5570.22	5566.06	5538.17	5578.4	5586.29	5593.89	5401.12			5401.12
FCF/акцию	0.1553	0.5845	2.65	-0.755	-2.02	3.54	2.12	-1.26	-2.05			-2.05

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
EPS				0.01	0.05	0.02	0.0472	0.0641	0.0854	0.0563	0.057	0.0898	0.0843
Цена акции ао	0.6805	0.7386	0.8751	0.8353	0.7026	0.8558	1.18	1.04	1.17	1.25
Число акций ао, млн	5586.29	5586.29	5593	5586.29	5586.32	5593.53	5596	5596	5432	5403.04
FCF/акцию				3.3E-5	0.049	0.0495	0.0493	0.0445	0.0414	0.0422

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %			5.56	5.45	6.09	2.72	5.38	0.0161	4.09	7.23	9.86			9.62	15.51
ROA, %			0.3396	0.3343	0.3621	0.1476	0.3104	0.000849	0.2105	0.3762	0.5476			0.5665	4.58
ROIC, %		0.6598	1.55	2.56	3.73	1.79	1.68	5.18	2.37	3.25					7.36
ROS, %					13.6	5.89	12.78	0.0346	9.83	16.51	26.72	21.31	21.31	21.31	24.67
ROCE, %				7.75	6.39	3.4	7.26	-0.9753	4.71	0.4921	0.8079		0.9022	0.9022	5.89
Ebit margin, %							17.34	-2.11	11.34	22.87	37.89		30.22	30.22
Рентаб EBITDA, %				24.96	21.15	13.72	25.98	6.95	21.09	32.99	48.3		38.53	38.53	27.76
Чистая рентаб, %			12.16	12.58	13.6	5.89	12.78	0.0346	9.83	16.51	26.72			21.31	24.67
Operation Margin, %					14.33	7.39	17.34	-2.11	11.34	22.87	42.38	30.22	30.22	30.22	12.32
Чистая процентная маржа, %	5.34	7.09	12.16	12.58	13.6	5.89	14.13	-1.23	7.96					10.25	23.20
Доходность FCF, %		-8.76	6.85	36.78	135.11	-46.01	-193.07	763.42	341.93	-152.79	-171.61

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	Industry average	5 quarters average	CAGR 5
ROE, %		1.45	2.38	1.13	1.56	2.66	3.47	2.26	2.25	3.47	3.56	15.51
ROA, %		0.0732	0.1217	0.0593	0.0825	0.1473	0.1907	0.1271	0.1307	0.2011	0.2054	4.58
ROS, %		13.44	23.73	12.2	14.11	24.49	28.84	22.14	19.02	31.04	31.22	24.67
ROCE, %	0.1318	0.1068	0.1872	1.71	0.1536	0.2335	0.4992	0.3041	0.3016	-0.0883		5.89
Ebit margin, %							40.65	28.12	29.89	-9.61
Рентаб EBITDA, %	36.74	27.77	43.71	29.65	33.04	43.89	48.04	37.29	37.55	-1.58		27.76
Чистая рентаб, %		13.44	23.73	12.2	14.11	24.49	28.84	22.14	19.02	31.04	31.22	24.67
Operation Margin, %	25.44	18.03	33.46	18.51	23.54	34.61	40.65	28.11	29.89	46.16		12.32
Доходность FCF, %		0.0039	6.98	5.78	4.17	4.66	3.73	3.72

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E		18.39	12.55	13.65	27.84	8.33	1291.46	6.53	5.46	4.42			4.4	47.53
P/BV		1.02	0.6841	0.8315	0.7579	0.4485	0.2082	0.2669	0.3669	0.4241			0.028	7.63
P/S		2.24	1.58	1.86	1.64	1.07	0.4474	0.6417	0.9007	1.18			0.9388	16.11
P/FCF				0.7401	-2.17	-0.5179	0.131	0.2925	-0.6545	-0.5827	-0.597	-0.597	-0.597	2.73
E/P				0.0732	0.0359	0.12	0.000774	0.1532	0.1924	0.2068	0.2018	0.2018	0.2018	82.95
EV/EBITDA		37.84	14.62	4.27	5.46	14.6	-77.87	-76.62	-10.52	-10.41			-2.28	-221.75
EV/EBIT						16.98	75.8	-39.25	-15.17	-13.27	-2.9	-2.9	-2.9
EV/S	12.49					3.79	-1.6	-4.45	-3.47	-5.03	-0.8767	-0.8767	-0.8767	16.63
EV/FCF	-44.38					-1.84	-0.4679	-2.03	2.65	2.27	0.4956	0.4956	0.4956	7.71
Debt/EBITDA	67.47					22.5	59.2	20.07	12.71	10.71	10.71	10.71	10.71	-305.66
Netdebt/Ebitda				-0.517	0.0075	6.77	-32.52	-24.2	-13.25	-12.86	-4.71	-4.71	-4.71	-294.70
Debt/Ratio				0.94	0.95	0.1419	0.95	0.95	0.0898	0.1097	0.1097	0.1097	0.1097	0.13
Debt/Equity				15.81	17.44	2.46	17.98	17.98	1.71	1.86	0	0	0	2.63
Debt/Net Income	137.88					45.72	11869	43.07	25.39	19.36	19.36	19.36	19.36	30.88
Бета									1.2	0.4529	-1.91	-0.3095	-0.3095	0.46
Индекс Альтмана				-1.62	188.29	0.2655	-0.0878	0.0035	0.0136	0.0556	0.0859	0.0859	0.0859	53.18

	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2025Q1	Industry average	5 quarters average	CAGR 5
P/E										24.79	12.38	32.13	32.28	5.32	4.97	4.5	5.46	6.81	6.5		47.53
P/BV										0.3586	0.2945	0.3629	0.5047	0.0254	0.0266	0.0281	0.0368	0.7339	0.773		7.63
P/S										3.33	2.94	3.92	4.55	1	1.02	1.02	1.29	1.72	1.68		16.11
P/FCF										25359.16	14.32	17.29	23.97	21.47	26.78	26.85					2.73
E/P							0.0392	0.039	0.0435	0.0403	0.0808	0.0311	0.031	0.0615	0.0728	0.0449					82.95
EV/EBITDA				92.07	-114.12						-17.79	-10.81	-8.37	-12.84	-4.28	-2.27	-1.08	13.61			-221.75
EV/EBIT															-14.77	-14.14	-5.68	-170.02
EV/S		28.35	29.42	28.66	10.8									-5.64	-6	-3.98	-1.7	16.35	-18.54		16.63
EV/FCF														-33.15	-42.9	-23.95					7.71
Debt/EBITDA				125.31	-199.35						37.02	62.37	53.91	40.9	35.51	50.37	42.03	-2226.93			-305.66
Netdebt/Ebitda									-80.11	-65.56	-54.34	-65.04	-42.71	-21.42	-19.92	-22.16	-17.27	-604.27			-294.70
Debt/Ratio	0.2569	0.2115	0.2458	0.2605	0.1006									0.108	0.1129	0.1097	0.1082	0.2243			0.13
Debt/Equity	4.3	3.4	4.13	4.45	1.81									1.95	2	1.86	1.8	3.82			2.63
Debt/Net Income	238.22	219.67	368.38	220.02	-156.33									73.31	59.17	84.84	82.96	113.45			30.88
Бета																				-0.3095	0.46
Индекс Альтмана						-0.0291	-0.0208	-0.0243		-0.0217	-0.0166	-0.0249	-0.027	-0.0484	-0.0416					0.0859	53.18

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	0.0401	0.0212	0.16	0.2801	0.3921	0.0563	0.1125	1.75	0.2737	0.2737
Дивиденд		0.0378	0.0675	0.0558	0.1237	0.0334	0.0219		0.000306	0.0476	0.1898	0.1898
Див доход, ао, %			4.25	2.84	7.54	3.2	4.73	3.65	5.42	5.88	11.02	8.31	8.81
Дивиденды / прибыль, %		2.99	22.52	34.95	119.5	8.1	5621.33	330.04	31.58	20.55		20.55	521.42

	2017Q4	2018Q2	2018Q4	2019Q2	2019Q4	2020Q2	2022Q1	2022Q4	2023Q1	2023Q4	Industry average	5 quarters average	CAGR 5
Дивиденд	0.0238	0.0609	0.0628	0.0112	0.0222	0.0219	0.0335	0.0212	0.0217	0.0333
Див доход, ао, %	1.2	3.29	5.05	1	2.01	3.81	3.83	2.48	1.84	2.66	8.81

	Industry average	5 quarters average	CAGR 5

Other

IFRS

Reporting Annual

	2022	2023	2024	CAGR 5
Персонал, чел	18985	18713	19148

	CAGR 5

	CAGR 5

Investing Port

OTC: BNDSF - Banco de Sabadell, S.A.

Reporting Banco de Sabadell, S.A.

Capitalization

Balance sheet

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Efficiency

Coefficients

Dividends

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