Jyske Bank A/S Logo

Jyske Bank A/S

JYSK.CO

(2.5)
Stock Price

493,60 DKK

0.79% ROA

13.56% ROE

5.55x PER

Market Cap.

33.540.639.678,00 DKK

1103.35% DER

2.98% Yield

24.91% NPM

Jyske Bank A/S Stock Analysis

Jyske Bank A/S Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Jyske Bank A/S Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.69x), the stock offers substantial upside potential at a bargain price.

2 Revenue Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

3 ROE

The stock's ROE falls within an average range (13.32%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (0.75%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

5 Net Profit Growth

This company's net profit has consistently grown over the past three years, showcasing a positive financial trend and making it an appealing investment opportunity.

6 Assets Growth

Company's revenue has experienced consistent growth over the last three years, indicating a favorable financial trajectory and making it an attractive investment choice.

7 Graham Number

The company's Graham number suggests that its stock price is underestimated, implying that it may present a compelling investment opportunity.

8 Buffet Intrinsic Value

The company's stock seems undervalued (1.730) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

9 DER

The stock is burdened with a heavy load of debt (956%), making it financially unstable and potentially risky for investors.

10 Dividend Growth

Potential investors should be aware that the company's dividend growth has shown no upward trend in the past three years, indicating limited potential for increased returns.

11 Dividend

Investors should note the absence of dividends from the company in the last three years, indicating potential financial challenges.

Jyske Bank A/S Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Jyske Bank A/S Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Jyske Bank A/S Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Jyske Bank A/S Revenue
Year Revenue Growth
2003 4.547.108.000
2004 4.919.230.000 7.56%
2005 5.573.129.000 11.73%
2006 5.994.543.000 7.03%
2007 5.631.281.000 -6.45%
2008 5.479.232.000 -2.78%
2009 7.011.623.000 21.86%
2010 6.876.379.000 -1.97%
2011 6.364.000.000 -8.05%
2012 7.469.000.000 14.79%
2013 8.130.000.000 8.13%
2014 8.205.000.000 0.91%
2015 10.238.000.000 19.86%
2016 9.687.000.000 -5.69%
2017 9.778.000.000 0.93%
2018 8.740.000.000 -11.88%
2019 8.479.000.000 -3.08%
2020 8.511.000.000 0.38%
2021 9.200.000.000 7.49%
2022 9.470.000.000 2.85%
2023 15.440.000.000 38.67%
2023 14.847.000.000 -3.99%
2024 31.912.000.000 53.48%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Jyske Bank A/S Research and Development Expenses
Year Research and Development Expenses Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Jyske Bank A/S General and Administrative Expenses
Year General and Administrative Expenses Growth
2003 2.552.417.000
2004 886.869.000 -187.8%
2005 1.052.734.000 15.76%
2006 1.336.876.000 21.25%
2007 853.425.000 -56.65%
2008 3.356.983.000 74.58%
2009 771.625.000 -335.05%
2010 1.081.524.000 28.65%
2011 1.286.000.000 15.9%
2012 1.422.000.000 9.56%
2013 1.546.000.000 8.02%
2014 2.069.000.000 25.28%
2015 2.159.000.000 4.17%
2016 2.035.000.000 -6.09%
2017 2.155.000.000 5.57%
2018 1.866.000.000 -15.49%
2019 1.861.000.000 -0.27%
2020 1.799.000.000 -3.45%
2021 1.945.000.000 7.51%
2022 1.929.000.000 -0.83%
2023 0 0%
2023 2.410.000.000 100%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Jyske Bank A/S EBITDA
Year EBITDA Growth
2003 3.685.442.000
2004 3.415.113.000 -7.92%
2005 4.258.433.000 19.8%
2006 6.053.450.000 29.65%
2007 7.798.745.000 22.38%
2008 8.293.027.000 5.96%
2009 4.151.174.000 -99.78%
2010 2.746.069.000 -51.17%
2011 3.023.000.000 9.16%
2012 3.206.000.000 5.71%
2013 4.045.000.000 20.74%
2014 8.179.000.000 50.54%
2015 9.584.000.000 14.66%
2016 9.567.000.000 -0.18%
2017 9.675.000.000 1.12%
2018 8.375.000.000 -15.52%
2019 3.650.000.000 -129.45%
2020 2.757.000.000 -32.39%
2021 4.631.000.000 40.47%
2022 10.616.000.000 56.38%
2023 9.320.000.000 -13.91%
2023 8.561.000.000 -8.87%
2024 296.000.000 -2792.23%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Jyske Bank A/S Gross Profit
Year Gross Profit Growth
2003 4.547.108.000
2004 4.919.230.000 7.56%
2005 5.573.129.000 11.73%
2006 5.994.543.000 7.03%
2007 5.631.281.000 -6.45%
2008 5.479.232.000 -2.78%
2009 7.011.623.000 21.86%
2010 6.876.379.000 -1.97%
2011 6.364.000.000 -8.05%
2012 7.469.000.000 14.79%
2013 8.130.000.000 8.13%
2014 8.205.000.000 0.91%
2015 10.238.000.000 19.86%
2016 9.687.000.000 -5.69%
2017 9.778.000.000 0.93%
2018 8.740.000.000 -11.88%
2019 8.479.000.000 -3.08%
2020 8.511.000.000 0.38%
2021 9.200.000.000 7.49%
2022 9.470.000.000 2.85%
2023 15.440.000.000 38.67%
2023 14.847.000.000 -3.99%
2024 31.912.000.000 53.48%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Jyske Bank A/S Net Profit
Year Net Profit Growth
2003 2.333.878.000
2004 1.401.568.000 -66.52%
2005 1.671.950.000 16.17%
2006 2.106.558.000 20.63%
2007 1.715.422.000 -22.8%
2008 1.594.288.000 -7.6%
2009 463.909.000 -243.66%
2010 757.222.000 38.74%
2011 490.000.000 -54.54%
2012 593.000.000 17.37%
2013 1.807.000.000 67.18%
2014 3.088.000.000 41.48%
2015 2.476.000.000 -24.72%
2016 3.116.000.000 20.54%
2017 3.143.000.000 0.86%
2018 2.500.000.000 -25.72%
2019 2.440.000.000 -2.46%
2020 1.609.000.000 -51.65%
2021 3.176.000.000 49.34%
2022 3.752.000.000 15.35%
2023 6.472.000.000 42.03%
2023 5.904.000.000 -9.62%
2024 5.348.000.000 -10.4%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Jyske Bank A/S Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2003 30
2004 20 -57.89%
2005 25 20.83%
2006 33 25%
2007 29 -14.29%
2008 30 6.67%
2009 9 -275%
2010 12 27.27%
2011 8 -57.14%
2012 8 12.5%
2013 25 68%
2014 35 28.57%
2015 26 -34.62%
2016 33 21.21%
2017 35 2.94%
2018 30 -17.24%
2019 29 0%
2020 20 -52.63%
2021 42 54.76%
2022 55 23.64%
2023 98 43.88%
2023 89 -10.11%
2024 79 -12.66%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Jyske Bank A/S Free Cashflow
Year Free Cashflow Growth
2004 -2.610.870.300
2005 2.473.104.000 205.57%
2006 4.640.461.000 46.71%
2007 16.455.431.000 71.8%
2008 247.515.000 -6548.26%
2009 -13.747.147.000 101.8%
2010 -1.435.615.000 -857.58%
2011 5.845.000.000 124.56%
2012 -8.943.000.000 165.36%
2013 3.131.000.000 385.63%
2014 16.190.000.000 80.66%
2015 -9.257.000.000 274.89%
2016 -3.455.000.000 -167.93%
2017 10.130.000.000 134.11%
2018 -12.218.000.000 182.91%
2019 14.022.000.000 187.13%
2020 11.183.000.000 -25.39%
2021 -4.115.000.000 371.76%
2022 58.497.000.000 107.03%
2023 15.113.000.000 -287.06%
2023 -9.587.000.000 257.64%
2024 16.570.000.000 157.86%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Jyske Bank A/S Operating Cashflow
Year Operating Cashflow Growth
2004 -2.527.289.300
2005 2.722.665.000 192.82%
2006 5.164.417.000 47.28%
2007 16.974.308.000 69.58%
2008 702.879.000 -2314.97%
2009 -13.458.304.000 105.22%
2010 -1.197.493.000 -1023.87%
2011 6.262.000.000 119.12%
2012 -8.567.000.000 173.09%
2013 3.471.000.000 346.82%
2014 16.669.000.000 79.18%
2015 -8.364.000.000 299.29%
2016 -2.136.000.000 -291.57%
2017 11.548.000.000 118.5%
2018 -11.236.000.000 202.78%
2019 15.617.000.000 171.95%
2020 12.336.000.000 -26.6%
2021 -3.086.000.000 499.74%
2022 60.163.000.000 105.13%
2023 16.838.000.000 -257.3%
2023 -9.560.000.000 276.13%
2024 16.570.000.000 157.69%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Jyske Bank A/S Capital Expenditure
Year Capital Expenditure Growth
2004 83.581.000
2005 249.561.000 66.51%
2006 523.956.000 52.37%
2007 518.877.000 -0.98%
2008 455.364.000 -13.95%
2009 288.843.000 -57.65%
2010 238.122.000 -21.3%
2011 417.000.000 42.9%
2012 376.000.000 -10.9%
2013 340.000.000 -10.59%
2014 479.000.000 29.02%
2015 893.000.000 46.36%
2016 1.319.000.000 32.3%
2017 1.418.000.000 6.98%
2018 982.000.000 -44.4%
2019 1.595.000.000 38.43%
2020 1.153.000.000 -38.33%
2021 1.029.000.000 -12.05%
2022 1.666.000.000 38.24%
2023 1.725.000.000 3.42%
2023 27.000.000 -6288.89%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Jyske Bank A/S Equity
Year Equity Growth
2003 7.843.448.000
2004 7.858.341.000 0.19%
2005 9.477.058.000 17.08%
2006 9.636.979.000 1.66%
2007 9.703.602.000 0.69%
2008 10.677.492.000 9.12%
2009 12.522.612.000 14.73%
2010 13.351.665.000 6.21%
2011 13.846.000.000 3.57%
2012 15.642.000.000 11.48%
2013 17.479.000.000 10.51%
2014 27.561.000.000 36.58%
2015 30.040.000.000 8.25%
2016 32.514.000.000 7.61%
2017 34.604.000.000 6.04%
2018 34.332.000.000 -0.79%
2019 35.710.000.000 3.86%
2020 36.632.000.000 2.52%
2021 38.266.000.000 4.27%
2022 40.624.000.000 5.8%
2023 44.609.000.000 8.93%
2023 45.886.000.000 2.78%
2024 44.297.000.000 -3.59%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Jyske Bank A/S Assets
Year Assets Growth
2003 116.395.542.000
2004 7.858.341.000 -1381.17%
2005 9.477.058.000 17.08%
2006 160.656.376.000 94.1%
2007 214.278.712.000 25.02%
2008 236.802.814.000 9.51%
2009 224.593.806.000 -5.44%
2010 244.114.220.000 8%
2011 270.220.000.000 9.66%
2012 258.247.000.000 -4.64%
2013 262.004.000.000 1.43%
2014 541.679.000.000 51.63%
2015 543.399.000.000 0.32%
2016 586.703.000.000 7.38%
2017 597.440.000.000 1.8%
2018 599.947.000.000 0.42%
2019 649.738.000.000 7.66%
2020 672.648.000.000 3.41%
2021 647.122.000.000 -3.94%
2022 749.997.000.000 13.72%
2023 759.517.000.000 1.25%
2023 779.675.000.000 2.59%
2024 769.893.000.000 -1.27%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Jyske Bank A/S Liabilities
Year Liabilities Growth
2003 108.552.094.000
2004 14.651.847.000 -640.88%
2005 18.525.562.000 20.91%
2006 151.019.397.000 87.73%
2007 204.575.110.000 26.18%
2008 226.125.322.000 9.53%
2009 212.071.194.000 -6.63%
2010 230.762.555.000 8.1%
2011 256.374.000.000 9.99%
2012 242.605.000.000 -5.68%
2013 244.525.000.000 0.79%
2014 514.118.000.000 52.44%
2015 513.359.000.000 -0.15%
2016 554.189.000.000 7.37%
2017 562.836.000.000 1.54%
2018 565.615.000.000 0.49%
2019 614.028.000.000 7.88%
2020 636.016.000.000 3.46%
2021 608.856.000.000 -4.46%
2022 709.373.000.000 14.17%
2023 714.908.000.000 0.77%
2023 733.789.000.000 2.57%
2024 725.596.000.000 -1.13%

Jyske Bank A/S Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
377.74
Net Income per Share
94.09
Price to Earning Ratio
5.55x
Price To Sales Ratio
1.38x
POCF Ratio
-4.07
PFCF Ratio
-3.45
Price to Book Ratio
0.76
EV to Sales
17.63
EV Over EBITDA
85.32
EV to Operating CashFlow
-51.94
EV to FreeCashFlow
-44.03
Earnings Yield
0.18
FreeCashFlow Yield
-0.29
Market Cap
33,54 Bil.
Enterprise Value
427,55 Bil.
Graham Number
1208.72
Graham NetNet
-11933.31

Income Statement Metrics

Net Income per Share
94.09
Income Quality
-1.39
ROE
0.14
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.75
EBT Per Ebit
1.83
Ebit per Revenue
0.18
Effective Tax Rate
0.25

Margins

Sales, General, & Administrative to Revenue
0.05
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.18
Pretax Profit Margin
0.33
Net Profit Margin
0.25

Dividends

Dividend Yield
0.03
Dividend Yield %
2.98
Payout Ratio
0.17
Dividend Per Share
15.56

Operating Metrics

Operating Cashflow per Share
-128.25
Free CashFlow per Share
-151.3
Capex to Operating CashFlow
-0.18
Capex to Revenue
0.06
Capex to Depreciation
2.41
Return on Invested Capital
0.01
Return on Tangible Assets
0.01
Days Sales Outstanding
17.36
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
21.03
Payables Turnover
0
Inventory Turnover
0
Capex per Share
23.04

Balance Sheet

Cash per Share
-1.266,07
Book Value per Share
690,15
Tangible Book Value per Share
637.78
Shareholders Equity per Share
690.15
Interest Debt per Share
7859.38
Debt to Equity
11.03
Debt to Assets
0.63
Net Debt to EBITDA
78.63
Current Ratio
0.54
Tangible Asset Value
40,94 Bil.
Net Current Asset Value
-642,10 Bil.
Invested Capital
-63319000000
Working Capital
-70,33 Bil.
Intangibles to Total Assets
0
Average Receivables
1,21 Bil.
Average Payables
3,97 Bil.
Average Inventory
-1290000000
Debt to Market Cap
14.57

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Jyske Bank A/S Dividends
Year Dividends Growth
2016 5
2017 11 50%
2018 12 9.09%
2019 6 -83.33%
2023 8 14.29%
2024 8 0%

Jyske Bank A/S Profile

About Jyske Bank A/S

Jyske Bank A/S provides various financial solutions in Denmark and Germany. It operates through Banking Activities, Mortgage Activities, and Leasing Activities segments. The Banking Activities segment provides advisory services relating to traditional financial solutions for personal and private banking, and corporate clients; and trading and investment services, including trading in interest rate products, currencies, equities, commodities, and derivatives for corporate and institutional clients. The Mortgage Activities segment offers financial solutions for the financing of real property to Danish personal clients, corporate clients, and subsidized rental housing. The Leasing Activities segment provides financial solutions in the form of leasing and financing within car financing, as well as leasing and financing of equipment for the corporate sector. It serves Danish personal and corporate clients, as well as dealer cooperation schemes and partnerships. Jyske Bank A/S was founded in 1917 and is headquartered in Silkeborg, Denmark.

CEO
Mr. Lars Stensgaard Morch
Employee
3.950
Address
Vestergade 8-16
Silkeborg, 8600

Jyske Bank A/S Executives & BODs

Jyske Bank A/S Executives & BODs
# Name Age
1 Mr. Erik Gadeberg
MD of Corporate Clients & Capital Markets and Member of Group Executive Board
70
2 Erik Qvirin Hansen
Manager of Communication & Marketing
70
3 Mr. Simon Hagbart Falk
Head of Investor Relations
70
4 Mr. Birger Krøgh Nielsen
Chief Financial Officer
70
5 Mr. Niels Erik Jakobsen
MD & Member of Executive Board
70
6 Mr. Lars Stensgaard Morch
Chief Executive Officer, MD & Member of Executive Board
70
7 Mr. Jacob Gyntelberg
MD, Chief Risk Officer & Member of Group Executive Board
70
8 Martin Skovsted-Nielsen
Legal Director
70
9 Mr. Peter Trier Schleidt
MD & Member of Executive Board
70
10 Michael C. Mariegaard
Head of Large Corporates & Employee Representative Supervisory Board Member
70

Jyske Bank A/S Competitors