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1. Company Snapshot

1.a. Company Description

Lån & Spar Bank A/S provides various banking products and services in Denmark.The company offers deposits; car and housing loans, business loans, and mortgages; and cards.It also provides investment, and pension and insurance services; and payment and online banking services.


The company was founded in 1880 and is based in Copenhagen, Denmark.

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1.b. Last Insights on LASP

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1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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Lån & Spar Bank (CPSE:LASP) Net Profit Margin Falls to 26.5%, Challenging Quality Growth Narrative

Nov -06

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4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (4.50%)

6. Segments

Banking and Related Activities

Expected Growth: 4.5%

Growing demand for digital banking services, increasing adoption of online payment systems, and a stable Danish economy are expected to drive the growth of Lån & Spar Bank A/S's banking and related activities in Denmark.

7. Detailed Products

Personal Banking

Lån & Spar Bank A/S offers a range of personal banking services, including current and savings accounts, credit cards, and personal loans.

Mortgage Loans

The bank provides mortgage loans for individuals and families to purchase or refinance their homes.

Business Banking

Lån & Spar Bank A/S offers business banking services, including business loans, credit facilities, and cash management solutions.

Investment Products

The bank offers a range of investment products, including mutual funds, stocks, and bonds.

Insurance Services

Lån & Spar Bank A/S provides insurance services, including life insurance, home insurance, and travel insurance.

Online Banking

The bank offers online banking services, allowing customers to manage their accounts, pay bills, and transfer funds online.

8. Lån & Spar Bank A/S's Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for Lån & Spar Bank A/S is medium due to the presence of alternative financial institutions and digital payment platforms.

Bargaining Power Of Customers

The bargaining power of customers is high due to the ease of switching banks and the availability of online comparison tools.

Bargaining Power Of Suppliers

The bargaining power of suppliers is low due to the bank's strong financial position and ability to negotiate favorable terms.

Threat Of New Entrants

The threat of new entrants is medium due to the regulatory barriers to entry and the need for significant capital investment.

Intensity Of Rivalry

The intensity of rivalry is high due to the competitive nature of the banking industry and the presence of several established players.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 25.06%
Debt Cost 4.08%
Equity Weight 74.94%
Equity Cost 4.08%
WACC 4.08%
Leverage 33.45%

11. Quality Control: Lån & Spar Bank A/S passed 5 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Stock-Card
Lån & Spar Bank

A-Score: 7.4/10

Value: 8.0

Growth: 7.0

Quality: 7.7

Yield: 3.1

Momentum: 9.5

Volatility: 9.0

1-Year Total Return ->

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Stock-Card
Skjern Bank

A-Score: 6.8/10

Value: 7.8

Growth: 5.4

Quality: 8.1

Yield: 3.8

Momentum: 9.5

Volatility: 6.3

1-Year Total Return ->

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Stock-Card
Sparebanken Sør

A-Score: 6.7/10

Value: 7.4

Growth: 3.0

Quality: 6.4

Yield: 9.4

Momentum: 7.5

Volatility: 6.7

1-Year Total Return ->

View Full Report
Stock-Card
Danske Bank

A-Score: 6.3/10

Value: 6.1

Growth: 2.9

Quality: 7.7

Yield: 5.0

Momentum: 8.5

Volatility: 7.7

1-Year Total Return ->

View Full Report
Stock-Card
Thurgauer KB

A-Score: 5.9/10

Value: 5.0

Growth: 2.0

Quality: 5.5

Yield: 3.8

Momentum: 9.0

Volatility: 10.0

1-Year Total Return ->

View Full Report
Stock-Card
SpareBank 1 Sørøst-Norge

A-Score: 4.7/10

Value: 5.8

Growth: 4.3

Quality: 5.5

Yield: 5.0

Momentum: 4.0

Volatility: 3.3

1-Year Total Return ->

View Full Report

Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

1070.0$

Current Price

1070$

Potential

-0.00%

Expected Cash-Flows