Sydbank A/S Logo

Sydbank A/S

SYDB.CO

(3.8)
Stock Price

337,40 DKK

1.73% ROA

22.97% ROE

5.64x PER

Market Cap.

17.546.929.387,00 DKK

95.64% DER

5.34% Yield

40.44% NPM

Sydbank A/S Stock Analysis

Sydbank 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.

Sydbank A/S Fundamental Stock Analysis
# Analysis Rating
1 Assets Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

2 Dividend

Shareholders can rely on the company's remarkable dividend history, consistently paying dividends for the past five years, demonstrating a steadfast dedication to rewarding investors.

3 ROE

ROE surpassing expectations (15.97%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

4 Revenue Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

5 Graham Number

Based on the Graham number, this company's stock price appears to be lower than its intrinsic value, signaling a potentially favorable investment choice.

6 Dividend Growth

Investors can take confidence in the company's impressive track record of annual dividend growth over the last three years, showcasing a commitment to providing higher returns.

7 Buffet Intrinsic Value

The company's stock seems undervalued (1.095) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

8 ROA

The stock's ROA (1.24%) 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.

9 PBV

The stock's PBV ratio (1.17x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

10 DER

The stock has a reasonable amount of debt compared to its ownership (99%), suggesting a balanced financial position and a moderate level of risk.

11 Net Profit Growth

The net profit of this company has shown steady growth over the past three years, highlighting its positive financial trajectory and making it an appealing choice for potential investors.

Sydbank 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.

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

Sydbank 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.

Sydbank A/S Revenue
Year Revenue Growth
2005 3.241.000.000
2006 3.916.000.000 17.24%
2007 3.866.000.000 -1.29%
2008 4.138.000.000 6.57%
2009 5.089.000.000 18.69%
2010 4.829.000.000 -5.38%
2011 4.263.000.000 -13.28%
2012 4.942.000.000 13.74%
2013 4.665.000.000 -5.94%
2014 4.719.000.000 1.14%
2015 4.461.000.000 -5.78%
2016 4.586.000.000 2.73%
2017 4.602.000.000 0.35%
2018 4.079.000.000 -12.82%
2019 3.856.000.000 -5.78%
2020 3.917.000.000 1.56%
2021 4.750.000.000 17.54%
2022 5.391.000.000 11.89%
2023 7.684.000.000 29.84%

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.

Sydbank A/S Research and Development Expenses
Year Research and Development Expenses Growth
2005 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%

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.

Sydbank A/S General and Administrative Expenses
Year General and Administrative Expenses Growth
2005 0
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 734.000.000 100%
2013 637.000.000 -15.23%
2014 721.000.000 11.65%
2015 703.000.000 -2.56%
2016 775.000.000 9.29%
2017 791.000.000 2.02%
2018 814.000.000 2.83%
2019 868.000.000 6.22%
2020 952.000.000 8.82%
2021 1.203.000.000 20.86%
2022 985.000.000 -22.13%
2023 924.000.000 -6.6%

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.

Sydbank A/S EBITDA
Year EBITDA Growth
2005 2.610.000.000
2006 4.288.000.000 39.13%
2007 5.867.000.000 26.91%
2008 5.691.000.000 -3.09%
2009 3.423.000.000 -66.26%
2010 1.682.000.000 -103.51%
2011 1.658.000.000 -1.45%
2012 1.553.000.000 -6.76%
2013 943.000.000 -64.69%
2014 2.133.000.000 55.79%
2015 2.140.000.000 0.33%
2016 2.499.000.000 14.37%
2017 2.441.000.000 -2.38%
2018 1.744.000.000 -39.97%
2019 1.194.000.000 -46.06%
2020 1.130.000.000 -5.66%
2021 1.902.000.000 40.59%
2022 3.007.000.000 36.75%
2023 4.876.000.000 38.33%

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.

Sydbank A/S Gross Profit
Year Gross Profit Growth
2005 3.241.000.000
2006 3.916.000.000 17.24%
2007 3.866.000.000 -1.29%
2008 4.138.000.000 6.57%
2009 5.089.000.000 18.69%
2010 4.829.000.000 -5.38%
2011 4.263.000.000 -13.28%
2012 4.942.000.000 13.74%
2013 4.665.000.000 -5.94%
2014 4.719.000.000 1.14%
2015 4.461.000.000 -5.78%
2016 4.586.000.000 2.73%
2017 4.602.000.000 0.35%
2018 4.079.000.000 -12.82%
2019 3.856.000.000 -5.78%
2020 3.917.000.000 1.56%
2021 4.750.000.000 17.54%
2022 5.391.000.000 11.89%
2023 7.684.000.000 29.84%

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.

Sydbank A/S Net Profit
Year Net Profit Growth
2005 936.000.000
2006 1.514.000.000 38.18%
2007 1.710.000.000 11.46%
2008 606.000.000 -182.18%
2009 781.000.000 22.41%
2010 411.000.000 -90.02%
2011 188.000.000 -118.62%
2012 467.000.000 59.74%
2013 187.000.000 -149.73%
2014 1.052.000.000 82.22%
2015 1.148.000.000 8.36%
2016 1.472.000.000 22.01%
2017 1.531.000.000 3.85%
2018 1.156.000.000 -32.44%
2019 853.000.000 -35.52%
2020 799.000.000 -6.76%
2021 1.411.000.000 43.37%
2022 1.901.000.000 25.78%
2023 3.656.000.000 48%

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.

Sydbank A/S Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2005 14
2006 22 40.91%
2007 26 12%
2008 10 -177.78%
2009 11 18.18%
2010 6 -120%
2011 3 -150%
2012 6 66.67%
2013 3 -200%
2014 14 85.71%
2015 16 6.67%
2016 21 25%
2017 22 9.09%
2018 18 -29.41%
2019 14 -21.43%
2020 13 -16.67%
2021 23 47.83%
2022 32 28.13%
2023 64 50%

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.

Sydbank A/S Free Cashflow
Year Free Cashflow Growth
2005 -2.600.000.000
2006 -5.080.000.000 48.82%
2007 56.000.000 9171.43%
2008 934.000.000 94%
2009 2.605.000.000 64.15%
2010 -6.581.000.000 139.58%
2011 6.657.000.000 198.86%
2012 1.548.000.000 -330.04%
2013 286.000.000 -441.26%
2014 386.000.000 25.91%
2015 2.435.000.000 84.15%
2016 4.208.000.000 42.13%
2017 3.043.000.000 -38.28%
2018 1.082.000.000 -181.24%
2019 -5.083.000.000 121.29%
2020 -79.000.000 -6334.18%
2021 -3.444.000.000 97.71%
2022 4.300.000.000 180.09%
2023 2.973.000.000 -44.64%

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.

Sydbank A/S Operating Cashflow
Year Operating Cashflow Growth
2005 -2.471.000.000
2006 -4.928.000.000 49.86%
2007 259.000.000 2002.7%
2008 1.329.000.000 80.51%
2009 2.758.000.000 51.81%
2010 -6.454.000.000 142.73%
2011 6.750.000.000 195.61%
2012 1.772.000.000 -280.93%
2013 351.000.000 -404.84%
2014 456.000.000 23.03%
2015 2.514.000.000 81.86%
2016 4.305.000.000 41.6%
2017 3.256.000.000 -32.22%
2018 1.187.000.000 -174.3%
2019 -5.024.000.000 123.63%
2020 31.000.000 16306.45%
2021 -3.292.000.000 100.94%
2022 4.372.000.000 175.3%
2023 2.984.000.000 -46.51%

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.

Sydbank A/S Capital Expenditure
Year Capital Expenditure Growth
2005 129.000.000
2006 152.000.000 15.13%
2007 203.000.000 25.12%
2008 395.000.000 48.61%
2009 153.000.000 -158.17%
2010 127.000.000 -20.47%
2011 93.000.000 -36.56%
2012 224.000.000 58.48%
2013 65.000.000 -244.62%
2014 70.000.000 7.14%
2015 79.000.000 11.39%
2016 97.000.000 18.56%
2017 213.000.000 54.46%
2018 105.000.000 -102.86%
2019 59.000.000 -77.97%
2020 110.000.000 46.36%
2021 152.000.000 27.63%
2022 72.000.000 -111.11%
2023 11.000.000 -554.55%

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.

Sydbank A/S Equity
Year Equity Growth
2005 4.986.000.000
2006 6.349.000.000 21.47%
2007 6.697.000.000 5.2%
2008 7.088.000.000 5.52%
2009 9.118.000.000 22.26%
2010 9.554.000.000 4.56%
2011 9.595.000.000 0.43%
2012 10.033.000.000 4.37%
2013 10.237.000.000 1.99%
2014 11.311.000.000 9.5%
2015 11.427.000.000 1.02%
2016 11.757.000.000 2.81%
2017 11.926.000.000 1.42%
2018 11.682.000.000 -2.09%
2019 11.764.000.000 0.7%
2020 12.506.000.000 5.93%
2021 13.212.000.000 5.34%
2022 13.981.000.000 5.5%
2023 15.117.000.000 7.51%

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.

Sydbank A/S Assets
Year Assets Growth
2005 98.913.000.000
2006 114.758.000.000 13.81%
2007 132.323.000.000 13.27%
2008 155.975.000.000 15.16%
2009 157.821.000.000 1.17%
2010 150.843.000.000 -4.63%
2011 153.441.000.000 1.69%
2012 152.713.000.000 -0.48%
2013 147.892.000.000 -3.26%
2014 152.316.000.000 2.9%
2015 142.742.000.000 -6.71%
2016 146.686.000.000 2.69%
2017 138.494.000.000 -5.92%
2018 140.514.000.000 1.44%
2019 147.738.000.000 4.89%
2020 165.800.000.000 10.89%
2021 168.185.000.000 1.42%
2022 179.318.000.000 6.21%
2023 181.028.000.000 0.94%

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.

Sydbank A/S Liabilities
Year Liabilities Growth
2005 93.927.000.000
2006 108.409.000.000 13.36%
2007 125.626.000.000 13.7%
2008 148.887.000.000 15.62%
2009 148.703.000.000 -0.12%
2010 141.289.000.000 -5.25%
2011 143.846.000.000 1.78%
2012 142.680.000.000 -0.82%
2013 137.655.000.000 -3.65%
2014 141.005.000.000 2.38%
2015 131.315.000.000 -7.38%
2016 134.929.000.000 2.68%
2017 126.568.000.000 -6.61%
2018 128.832.000.000 1.76%
2019 135.974.000.000 5.25%
2020 153.294.000.000 11.3%
2021 154.973.000.000 1.08%
2022 165.337.000.000 6.27%
2023 165.911.000.000 0.35%

Sydbank A/S Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
127.34
Net Income per Share
55.64
Price to Earning Ratio
5.64x
Price To Sales Ratio
2.45x
POCF Ratio
-34.41
PFCF Ratio
-29.64
Price to Book Ratio
1.17
EV to Sales
-0.22
EV Over EBITDA
-0.35
EV to Operating CashFlow
3.12
EV to FreeCashFlow
2.69
Earnings Yield
0.18
FreeCashFlow Yield
-0.03
Market Cap
17,55 Bil.
Enterprise Value
-1,60 Bil.
Graham Number
579.8
Graham NetNet
-2342.7

Income Statement Metrics

Net Income per Share
55.64
Income Quality
-0.13
ROE
0.22
Return On Assets
0.02
Return On Capital Employed
0.04
Net Income per EBT
0.78
EBT Per Ebit
1.3
Ebit per Revenue
0.4
Effective Tax Rate
0.22

Margins

Sales, General, & Administrative to Revenue
0.13
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.4
Pretax Profit Margin
0.52
Net Profit Margin
0.4

Dividends

Dividend Yield
0.05
Dividend Yield %
5.34
Payout Ratio
0.31
Dividend Per Share
16.77

Operating Metrics

Operating Cashflow per Share
-9.12
Free CashFlow per Share
-10.54
Capex to Operating CashFlow
0.16
Capex to Revenue
-0.01
Capex to Depreciation
-0.65
Return on Invested Capital
0.11
Return on Tangible Assets
0.02
Days Sales Outstanding
54.98
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
6.64
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-1.42

Balance Sheet

Cash per Share
597,75
Book Value per Share
268,54
Tangible Book Value per Share
269.23
Shareholders Equity per Share
268.54
Interest Debt per Share
264.8
Debt to Equity
0.96
Debt to Assets
0.08
Net Debt to EBITDA
-4.26
Current Ratio
8.04
Tangible Asset Value
14,78 Bil.
Net Current Asset Value
-131,27 Bil.
Invested Capital
0.96
Working Capital
30,33 Bil.
Intangibles to Total Assets
0
Average Receivables
1,05 Bil.
Average Payables
5,08 Bil.
Average Inventory
0
Debt to Market Cap
0.82

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.

Sydbank A/S Dividends
Year Dividends Growth
2000 12
2001 15 20%
2002 15 0%
2003 15 0%
2004 20 25%
2005 30 33.33%
2006 3 -900%
2007 3 0%
2008 3 0%
2011 1 -200%
2015 7 85.71%
2016 3 -133.33%
2017 10 70%
2018 11 9.09%
2019 9 -22.22%
2020 9 0%
2021 10 0%
2022 12 25%
2023 17 25%

Sydbank A/S Profile

About Sydbank A/S

Sydbank A/S, together with its subsidiaries, provides various banking products and services to corporate and retail customers in Denmark and internationally. The company operates in Banking, Asset Management, Sydbank Markets, Treasury, and Other segments. The company offers various deposits, and loans and advances; and corporate banking services, including financing solutions and advisory services; and international commercial banking services, such as payment and cash management solutions. It also provides private banking products and services, such as advice related to pensions, investments, and various financial issues; personal and individual advisory services; and payment card, insurance, and investment products and related services. In addition, the company offers advisory and asset management services for investment funds, pooled pension plans, foundations, institutional clients, and wealthy customers; and advice and quotes prices as regards bonds, shares, and foreign exchange, as well as undertakes market-making obligations for institutional clients, central banks, asset managers, foreign and other clients, and banks. Further, it deals in mortgage bonds; and provides online solutions. The company was founded in 1970 and is headquartered in Aabenraa, Denmark.

CEO
Ms. Karen Frøsig
Employee
2.029
Address
Peberlyk 4
Aabenraa, 6200

Sydbank A/S Executives & BODs

Sydbank A/S Executives & BODs
# Name Age
1 Mr. Jacob Graven
Vice President
70
2 Else Guldager
Head of Human Resources
70
3 Mr. Kim Møller Nielsen
Head of Sydbank In Germany
70
4 Louise Degn-Hansen
Head of Communication
70
5 Tina Kromann Lyngsø
Group Executive Vice President of Vejle Region
70
6 Mr. Jesper Lund Wimmer
Group Executive Vice President of Næstved Regio
70
7 Mr. Claus Juhl
Vice President and Head of Fixed Income Research
70
8 Ms. Karen Frøsig
Chief Executive Officer
70
9 Mr. Jørn Adam Møller
Deputy Group Chief Executive
70
10 Mr. Steen Sandager
Head of Retail Clients & Private Banking
70

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