Nordea Bank Abp Logo

Nordea Bank Abp

NDA-FI.HE

(2.8)
Stock Price

10,79 EUR

0.85% ROA

17.04% ROE

7.19x PER

Market Cap.

36.529.428.456,00 EUR

760.78% DER

8.81% Yield

42.74% NPM

Nordea Bank Abp Stock Analysis

Nordea Bank Abp 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.

Nordea Bank Abp Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (17.1%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 Revenue Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

3 Dividend

Investors can take comfort in the company's unwavering commitment to dividends, as it has consistently distributed payouts over the past five years, ensuring a reliable income stream.

4 ROA

The stock's ROA (0.84%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

5 PBV

The stock's PBV ratio (1.22x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

6 Assets Growth

With a track record of continuous revenue growth in the last three years, this company offers a promising investment opportunity

7 Graham Number

The Graham number calculation reveals that this company's stock price is potentially underestimated, implying that it may be a promising investment option.

8 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (35), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

9 DER

The stock is burdened with a heavy load of debt (646%), making it financially unstable and potentially risky for investors.

10 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

11 Dividend Growth

Investors should note the company's stagnant dividend growth over the past three years, indicating limited profitability and potentially diminishing returns.

Nordea Bank Abp 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.

Nordea Bank Abp Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Nordea Bank Abp 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.

Nordea Bank Abp Revenue
Year Revenue Growth
2002 5.806.000.000
2003 5.823.000.000 0.29%
2004 6.074.000.000 4.13%
2005 6.573.000.000 7.59%
2006 7.043.000.000 6.67%
2007 7.691.000.000 8.43%
2008 8.094.000.000 4.98%
2009 9.020.000.000 10.27%
2010 9.231.000.000 2.29%
2011 9.447.000.000 2.29%
2012 10.126.000.000 6.71%
2013 9.793.000.000 -3.4%
2014 9.815.000.000 0.22%
2015 9.730.000.000 -0.87%
2016 9.805.000.000 0.76%
2017 9.430.000.000 -3.98%
2018 8.487.000.000 -11.11%
2019 8.438.000.000 -0.58%
2020 8.493.000.000 0.65%
2021 9.675.000.000 12.22%
2022 9.752.000.000 0.79%
2023 11.792.000.000 17.3%
2023 11.766.000.000 -0.22%
2024 12.084.000.000 2.63%

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.

Nordea Bank Abp Research and Development Expenses
Year Research and Development Expenses Growth
2002 0
2003 0 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.

Nordea Bank Abp General and Administrative Expenses
Year General and Administrative Expenses Growth
2002 1.481.000.000
2003 1.381.000.000 -7.24%
2004 1.417.000.000 2.54%
2005 0 0%
2006 1.016.000.000 100%
2007 1.098.000.000 7.47%
2008 1.175.000.000 6.55%
2009 1.189.000.000 1.18%
2010 1.318.000.000 9.79%
2011 1.339.000.000 1.57%
2012 1.318.000.000 -1.59%
2013 1.346.000.000 2.08%
2014 1.145.000.000 -17.55%
2015 1.028.000.000 -11.38%
2016 1.258.000.000 18.28%
2017 1.247.000.000 -0.88%
2018 1.027.000.000 -21.42%
2019 807.000.000 -27.26%
2020 1.112.000.000 27.43%
2021 104.000.000 -969.23%
2022 131.000.000 20.61%
2023 992.000.000 86.79%
2023 178.000.000 -457.3%
2024 1.256.000.000 85.83%

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.

Nordea Bank Abp EBITDA
Year EBITDA Growth
2002 7.920.000.000
2003 7.195.000.000 -10.08%
2004 7.350.000.000 2.11%
2005 7.969.000.000 7.77%
2006 9.699.000.000 17.84%
2007 12.604.000.000 23.05%
2008 15.169.000.000 16.91%
2009 8.903.000.000 -70.38%
2010 8.327.000.000 -6.92%
2011 10.229.000.000 18.59%
2012 10.862.000.000 5.83%
2013 9.424.000.000 -15.26%
2014 9.035.000.000 -4.31%
2015 8.332.000.000 -8.44%
2016 7.866.000.000 -5.92%
2017 7.153.000.000 -9.97%
2018 7.185.000.000 0.45%
2019 2.674.000.000 -168.7%
2020 3.516.000.000 23.95%
2021 5.541.000.000 36.55%
2022 8.508.000.000 34.87%
2023 7.512.000.000 -13.26%
2023 6.947.000.000 -8.13%
2024 560.000.000 -1140.54%

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.

Nordea Bank Abp Gross Profit
Year Gross Profit Growth
2002 5.806.000.000
2003 5.823.000.000 0.29%
2004 6.074.000.000 4.13%
2005 6.573.000.000 7.59%
2006 7.043.000.000 6.67%
2007 7.691.000.000 8.43%
2008 8.094.000.000 4.98%
2009 9.020.000.000 10.27%
2010 9.231.000.000 2.29%
2011 9.447.000.000 2.29%
2012 10.126.000.000 6.71%
2013 9.793.000.000 -3.4%
2014 9.815.000.000 0.22%
2015 9.730.000.000 -0.87%
2016 9.805.000.000 0.76%
2017 9.430.000.000 -3.98%
2018 8.487.000.000 -11.11%
2019 8.438.000.000 -0.58%
2020 8.493.000.000 0.65%
2021 9.675.000.000 12.22%
2022 9.752.000.000 0.79%
2023 11.792.000.000 17.3%
2023 11.766.000.000 -0.22%
2024 12.112.000.000 2.86%

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.

Nordea Bank Abp Net Profit
Year Net Profit Growth
2002 887.000.000
2003 1.490.000.000 40.47%
2004 1.914.000.000 22.15%
2005 2.269.000.000 15.65%
2006 3.145.000.000 27.85%
2007 3.121.000.000 -0.77%
2008 2.671.000.000 -16.85%
2009 2.314.000.000 -15.43%
2010 2.657.000.000 12.91%
2011 2.627.000.000 -1.14%
2012 3.119.000.000 15.77%
2013 3.116.000.000 -0.1%
2014 3.332.000.000 6.48%
2015 3.662.000.000 9.01%
2016 3.766.000.000 2.76%
2017 3.031.000.000 -24.25%
2018 3.077.000.000 1.49%
2019 1.545.000.000 -99.16%
2020 2.265.000.000 31.79%
2021 3.831.000.000 40.88%
2022 3.589.000.000 -6.74%
2023 5.380.000.000 33.29%
2023 4.934.000.000 -9.04%
2024 5.212.000.000 5.33%

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.

Nordea Bank Abp Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2002 0
2003 0 0%
2004 1 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 0 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 2 100%
2023 1 0%
2024 1 0%

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.

Nordea Bank Abp Free Cashflow
Year Free Cashflow Growth
2002 499.000.000
2003 478.000.000 -4.39%
2004 1.579.000.000 69.73%
2005 -2.015.000.000 178.36%
2006 841.000.000 339.6%
2007 4.143.000.000 79.7%
2008 10.545.000.000 60.71%
2009 13.372.000.000 21.14%
2010 -2.525.000.000 629.58%
2011 3.381.000.000 174.68%
2012 19.436.000.000 82.6%
2013 5.933.000.000 -227.59%
2014 -11.364.000.000 152.21%
2015 -433.000.000 -2524.48%
2016 2.498.000.000 117.33%
2017 11.460.000.000 78.2%
2018 1.991.000.000 -475.59%
2019 -3.119.000.000 163.83%
2020 -1.830.000.000 -70.44%
2021 17.174.000.000 110.66%
2022 21.570.000.000 20.38%
2023 -1.668.000.000 1393.17%
2023 -6.969.000.000 76.07%
2024 2.807.000.000 348.27%

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.

Nordea Bank Abp Operating Cashflow
Year Operating Cashflow Growth
2002 499.000.000
2003 478.000.000 -4.39%
2004 1.579.000.000 69.73%
2005 -1.905.000.000 182.89%
2006 1.065.000.000 278.87%
2007 4.419.000.000 75.9%
2008 10.839.000.000 59.23%
2009 13.624.000.000 20.44%
2010 -2.198.000.000 719.84%
2011 3.730.000.000 158.93%
2012 19.754.000.000 81.12%
2013 6.315.000.000 -212.81%
2014 -10.824.000.000 158.34%
2015 196.000.000 5622.45%
2016 3.280.000.000 94.02%
2017 12.274.000.000 73.28%
2018 2.631.000.000 -366.51%
2019 -2.532.000.000 203.91%
2020 -1.343.000.000 -88.53%
2021 17.592.000.000 107.63%
2022 21.975.000.000 19.95%
2023 -1.548.000.000 1519.57%
2023 -6.472.000.000 76.08%
2024 2.923.000.000 321.42%

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.

Nordea Bank Abp Capital Expenditure
Year Capital Expenditure Growth
2002 0
2003 0 0%
2004 0 0%
2005 110.000.000 100%
2006 224.000.000 50.89%
2007 276.000.000 18.84%
2008 294.000.000 6.12%
2009 252.000.000 -16.67%
2010 327.000.000 22.94%
2011 349.000.000 6.3%
2012 318.000.000 -9.75%
2013 382.000.000 16.75%
2014 540.000.000 29.26%
2015 629.000.000 14.15%
2016 782.000.000 19.57%
2017 814.000.000 3.93%
2018 640.000.000 -27.19%
2019 587.000.000 -9.03%
2020 487.000.000 -20.53%
2021 418.000.000 -16.51%
2022 405.000.000 -3.21%
2023 120.000.000 -237.5%
2023 497.000.000 75.86%
2024 116.000.000 -328.45%

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.

Nordea Bank Abp Equity
Year Equity Growth
2002 11.907.000.000
2003 12.185.000.000 2.28%
2004 12.553.000.000 2.93%
2005 12.960.000.000 3.14%
2006 15.322.000.000 15.42%
2007 17.160.000.000 10.71%
2008 17.803.000.000 3.61%
2009 22.420.000.000 20.59%
2010 24.538.000.000 8.63%
2011 26.120.000.000 6.06%
2012 28.216.000.000 7.43%
2013 29.209.000.000 3.4%
2014 29.837.000.000 2.1%
2015 31.032.000.000 3.85%
2016 32.410.000.000 4.25%
2017 33.316.000.000 2.72%
2018 32.901.000.000 -1.26%
2019 31.528.000.000 -4.35%
2020 33.740.000.000 6.56%
2021 33.503.000.000 -0.71%
2022 31.404.000.000 -6.68%
2023 31.225.000.000 -0.57%
2023 30.370.000.000 -2.82%
2024 29.607.000.000 -2.58%

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.

Nordea Bank Abp Assets
Year Assets Growth
2002 249.619.000.000
2003 262.190.000.000 4.79%
2004 276.040.000.000 5.02%
2005 325.549.000.000 15.21%
2006 346.890.000.000 6.15%
2007 389.054.000.000 10.84%
2008 474.074.000.000 17.93%
2009 507.544.000.000 6.59%
2010 580.839.000.000 12.62%
2011 716.204.000.000 18.9%
2012 677.420.000.000 -5.73%
2013 630.434.000.000 -7.45%
2014 669.342.000.000 5.81%
2015 646.868.000.000 -3.47%
2016 615.659.000.000 -5.07%
2017 581.612.000.000 -5.85%
2018 551.408.000.000 -5.48%
2019 554.848.000.000 0.62%
2020 552.160.000.000 -0.49%
2021 570.353.000.000 3.19%
2022 594.844.000.000 4.12%
2023 584.702.000.000 -1.73%
2023 609.824.000.000 4.12%
2024 606.828.000.000 -0.49%

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.

Nordea Bank Abp Liabilities
Year Liabilities Growth
2002 237.712.000.000
2003 250.005.000.000 4.92%
2004 263.487.000.000 5.12%
2005 312.589.000.000 15.71%
2006 331.568.000.000 5.72%
2007 371.894.000.000 10.84%
2008 456.271.000.000 18.49%
2009 485.124.000.000 5.95%
2010 556.301.000.000 12.79%
2011 690.084.000.000 19.39%
2012 649.204.000.000 -6.3%
2013 601.225.000.000 -7.98%
2014 639.505.000.000 5.99%
2015 615.836.000.000 -3.84%
2016 583.249.000.000 -5.59%
2017 548.296.000.000 -6.37%
2018 518.507.000.000 -5.75%
2019 523.320.000.000 0.92%
2020 518.420.000.000 -0.95%
2021 536.850.000.000 3.43%
2022 563.440.000.000 4.72%
2023 188.268.000.000 -199.28%
2023 196.283.000.000 4.08%
2024 577.221.000.000 66%

Nordea Bank Abp Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
3.4
Net Income per Share
1.45
Price to Earning Ratio
7.19x
Price To Sales Ratio
3.05x
POCF Ratio
-2.58
PFCF Ratio
-2.48
Price to Book Ratio
1.24
EV to Sales
18.15
EV Over EBITDA
39.58
EV to Operating CashFlow
-15.22
EV to FreeCashFlow
-14.72
Earnings Yield
0.14
FreeCashFlow Yield
-0.4
Market Cap
36,53 Bil.
Enterprise Value
217,27 Bil.
Graham Number
16.58
Graham NetNet
-176.21

Income Statement Metrics

Net Income per Share
1.45
Income Quality
-2.3
ROE
0.17
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.78
EBT Per Ebit
1.34
Ebit per Revenue
0.41
Effective Tax Rate
0.22

Margins

Sales, General, & Administrative to Revenue
0.08
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.41
Pretax Profit Margin
0.55
Net Profit Margin
0.43

Dividends

Dividend Yield
0.09
Dividend Yield %
8.81
Payout Ratio
0.63
Dividend Per Share
0.92

Operating Metrics

Operating Cashflow per Share
-4.05
Free CashFlow per Share
-4.19
Capex to Operating CashFlow
-0.03
Capex to Revenue
0.04
Capex to Depreciation
0.62
Return on Invested Capital
0.01
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.14

Balance Sheet

Cash per Share
-12,30
Book Value per Share
8,41
Tangible Book Value per Share
7.32
Shareholders Equity per Share
8.41
Interest Debt per Share
67.93
Debt to Equity
7.61
Debt to Assets
0.37
Net Debt to EBITDA
32.93
Current Ratio
26.24
Tangible Asset Value
25,77 Bil.
Net Current Asset Value
-532,47 Bil.
Invested Capital
48493000000
Working Capital
43,04 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
6.17

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.

Nordea Bank Abp Dividends
Year Dividends Growth
2001 0
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 1 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 0 0%
2021 1 0%
2022 1 0%
2023 1 0%
2024 1 0%

Nordea Bank Abp Profile

About Nordea Bank Abp

Nordea Bank Abp offers banking products and services in Sweden, Finland, Norway, Denmark, and internationally. It operates through Personal Banking, Business Banking, Large Corporates and Institutions, and Asset and Wealth Management segments. The Personal Banking segment provides various financial services to household customers through internet and mobile banking, over the phone, online meetings, and branch offices. The Business Banking segment offers payments, cash management, cards, working capital management, and finance solutions to corporate and personal customers. The Large Corporates and Institutions segment provides financing, cash management and payment, investment banking, and securities services, as well as capital market products to corporate and institutional customers. The Asset and Wealth Management segment offers investment, savings, and risk management solutions to high net worth individuals and institutional investors. This segment also offers life and pensions products and services. The company was founded in 1820 and is headquartered in Helsinki, Finland.

CEO
Mr. Frank Vang-Jensen
Employee
29.680
Address
Satamaradankatu 5
Helsinki, 00020

Nordea Bank Abp Executives & BODs

Nordea Bank Abp Executives & BODs
# Name Age
1 Mr. Jussi Koskinen
Group Chief Legal Officer, Head of Group Legal & Deputy MD
70
2 Mr. Paul Bari
Group Chief Information Officer and Head of Group Technology
70
3 Mr. James Graham
Chief Compliance Officer & Head of Group Compliance
70
4 Ms. Ulrika Alexandra Elisabeth Romantschuk B.Sc. (Pol.), M.Sc.Pol.
Head of Group Brand, Communications & Marketing
70
5 Ms. Christina Gadeberg
Chief People Officer, Head of Group People & Executive Vice President
70
6 Mr. Frank Vang-Jensen
President & Group Chief Executive Officer
70
7 Mr. Ian Stuart Smith
Group Chief Financial Officer & Head of Group Finance
70
8 Mr. Ilkka Ottoila
Head of Investor Relations
70
9 Mr. Ari Antero Kaperi M.Sc. (Econ.)
Head of Business Banking & Country Senior Executive In Finland
70
10 Mr. Johan Ekwall
Chief of Staff
70

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