Example with fictitious companies and made-up data: they show how the tool responds to each situation.
Company sheet · analysis as of 30/06/2026
Banco Valdemora, S.A.
Equity score
61
Coverage 100 %
Credit score
Not available
Coverage 100 % · Only 1 factor with data (minimum 2)
Alerts
0
Screens passed: 1 of 3
Shareholder view
| Factor | Value | Compared with | Percentile | Weight | Contribution |
|---|---|---|---|---|---|
| P/E | 5.2x | Universe (18 companies) | 97 | 14 % | 32.4 |
| EV/EBITDA | Not applicable | — | — | 14 % | — |
| Not applicable to banks and insurers: their EBITDA, debt and enterprise value are not comparable with those of a non-financial company. | |||||
| FCF yield | Not applicable | — | — | 14 % | — |
| Not applicable to banks and insurers: their operating cash flows include the movements in deposits, loans and investments of their business. | |||||
| ROE | 12.9 % | Universe (20 companies) | 48 | 14 % | 15.8 |
| ROIC | Not applicable | — | — | 14 % | — |
| Not applicable to banks and insurers: their EBITDA, debt and enterprise value are not comparable with those of a non-financial company. | |||||
| EBITDA margin | Not applicable | — | — | 14 % | — |
| Not applicable to banks and insurers: their EBITDA, debt and enterprise value are not comparable with those of a non-financial company. | |||||
| Revenue growth | 3.0 % | Universe (20 companies) | 38 | 14 % | 12.5 |
Formulas and inputs
P/E: Market capitalisation / LTM attributable net income
- Market cap (EUR)
- 17,344.6
- LTM attributable net income
- 3,310.5
EV/EBITDA: (Market capitalisation + Financial debt − Cash) / LTM EBITDA
FCF yield: (LTM operating cash flow − LTM capex) / Market capitalisation
ROE: LTM attributable net income / Attributable equity at period end
- LTM attributable net income
- 3,310.5
- Attributable equity
- 25,610.5
ROIC: LTM EBIT × (1 − notional tax rate) / (Total equity + Financial debt − Cash)
EBITDA margin: LTM EBITDA / LTM revenue
Revenue growth: LTM revenue / LTM revenue a year earlier − 1
- LTM revenue
- 10,679.0
- Prior-year LTM revenue
- 10,368.0
Amounts in euros
| Market capitalisation | 17,345 M EUR |
| Enterprise value (EV) | Not applicable |
| LTM revenue | 10,679 M EUR |
| LTM EBITDA | Not applicable |
| Net debt | Not applicable |
Creditor view
| Factor | Value | Compared with | Percentile | Weight | Contribution |
|---|---|---|---|---|---|
| Net debt/EBITDA | Not applicable | — | — | 25 % | — |
| Not applicable to banks and insurers: their EBITDA, debt and enterprise value are not comparable with those of a non-financial company. | |||||
| Interest coverage | Not applicable | — | — | 25 % | — |
| Not applicable to banks and insurers: their EBITDA, debt and enterprise value are not comparable with those of a non-financial company. | |||||
| Debt/equity | Not applicable | — | — | 25 % | — |
| Not applicable to banks and insurers: their debt includes deposits and the funding of their business, and their solvency is measured with capital ratios. | |||||
| Spread versus its rating bucket | 23 bp | Universe (19 companies) | 82 | 25 % | — |
Formulas and inputs
Net debt/EBITDA: (Financial debt − Cash) / LTM EBITDA
Interest coverage: LTM EBITDA / LTM interest expense
Debt/equity: Financial debt / Total equity
Spread versus its rating bucket: Per bond: Bond spread − Median spread of the bonds in the same rating bucket and of the same spread type. Per company: median of its bonds.
- ZZBBVAL00014
- -0.4000
- ZZBBVAL00022
- 22.80
- ZZBBVAL00030
- 64.15
Outstanding bonds
| ISIN | Currency | Seniority | Coupon | Maturity | Rating | Yield | Spread | Versus the median of its rating bucket |
|---|---|---|---|---|---|---|---|---|
| ZZBBVAL00014 | EUR | Senior unsecured | 3.375 % | 15/03/2028 | A- (SAMPLE) | 2.98 % | 83 bp | -0 bp (bucket median: 84 bp) |
| ZZBBVAL00022 | EUR | Senior non-preferred | 4.125 % | 07/02/2030 | BBB (SAMPLE) | 3.84 % | 158 bp | +23 bp (bucket median: 135 bp) |
| ZZBBVAL00030 | EUR | Subordinated | 5.750 % | 21/09/2033 | BB+ (SAMPLE) | 5.88 % | 339 bp | +64 bp (bucket median: 275 bp) |
Alerts
No alerts in this run.
Screens
| Screen | Result | Conditions |
|---|---|---|
| Moderate leverage | Undetermined | Net debt/EBITDA ≤ 2.5x: Not applicable: Not applicable to banks and insurers: their EBITDA, debt and enterprise value are not comparable with those of a non-financial company. Interest coverage ≥ 5.0x: Not applicable: Not applicable to banks and insurers: their EBITDA, debt and enterprise value are not comparable with those of a non-financial company. |
| Market capitalisation above 5,000 M EUR | Passes | Market capitalisation > 5,000 M EUR: value: 17,345 M EUR |
| FCF yield above 5 % | Undetermined | FCF yield > 5.0 %: Not applicable: Not applicable to banks and insurers: their operating cash flows include the movements in deposits, loans and investments of their business. |
Annual history (millions of EUR)
| 2023 FY 31/12/2023 | 2024 FY 31/12/2024 | 2025 FY 31/12/2025 | |
|---|---|---|---|
| Revenue | 9,600 | 10,368 | 10,679 |
| EBITDA | — | — | — |
| Attributable net income | 2,688 | 3,110 | 3,310 |
| Free cash flow | — | — | — |
| Net debt | — | — | — |
Each fiscal year is labelled with the calendar year in which most of its months fall.
The scores summarise metrics compared with similar companies, and the alerts point to specific facts. Nothing shown here is a recommendation to buy or sell.