1.46%
-1.42%
5.30%
-0.71%
0.72%
11.20%
54.44%
AI Spotlight on LASP
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.
Market Data
| Last Price | 695 |
| Change Percentage | 1.46% |
| Open | 695 |
| Previous Close | 685 |
| Market Cap ( Millions) | 2399 |
| Volume | 317 |
| Year High | 725 |
| Year Low | 630 |
| M A 50 | 688.8 |
| M A 200 | 691.35 |
Financial Ratios
| FCF Yield | 79.90% |
| Dividend Yield | 2.88% |
| ROE | 17.09% |
| Debt / Equity | 0.00% |
| Net Debt / EBIDTA | -2814.99% |
| Price To Book | 0.76 |
| Price Earnings Ratio | 4.72 |
| Price To FCF | 1.25 |
| Price To sales | 1.43 |
| EV / EBITDA | -23.69 |
News
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Banking and Related Activities
Expected Growth : 4.5 %
What the company do ?
Lån & Spar Bank A/S provides banking and related activities, including lending, deposit-taking, and payment services to individuals and businesses in Denmark.
Why we expect these perspectives ?
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.
Lån & Spar Bank A/S Products
| Product Range | What is it ? |
|---|---|
| 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. |
Lån & Spar Bank A/S's Porter Forces
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.
Strength
Capital Structure
| Value | |
|---|---|
| Debt Weight | 25.06% |
| Debt Cost | 4.08% |
| Equity Weight | 74.94% |
| Equity Cost | 4.08% |
| WACC | 4.08% |
| Leverage | 33.45% |
Lån & Spar Bank A/S : Quality Control
Lån & Spar Bank A/S passed 5 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| TKBP.SW | Thurgauer Kantonalbank provides various banking products and services to private individuals, businesses, companies, and public sectors in Switzerland. It offers accounts, home and personal loans, mortgages, asset management, financial planning, … |
| DAB.CO | Danske Andelskassers Bank A/S provides various banking products and services to private, small and medium-sized business, and institutional customers in Denmark. The company offers payment accounts; loans and credit products, … |
| SOR.OL | Sparebanken Sør operates as an independent financial institution in Norway. It operates through two segments, Retail Market and Corporate Market. The company is involved in banking, securities trading, and real … |
| SKJE.CO | Skjern Bank A/S provides various banking products and services to private and corporate customers in Denmark. The company offers saving accounts; home, car, priority, and mortgage loans, as well as … |
| SOON.OL | SpareBank 1 Sørøst-Norge provides various banking products and services for private and corporate customers in Norway. It offers mobile and online banking, card, account, and payment services. In addition, the … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
🥇
Skjern Bank
A-Score
1-Year Total Return ->
🥈
Danske Bank
A-Score
1-Year Total Return ->
🥉
SpareBank 1 Sørøst-Norge
A-Score
1-Year Total Return ->
4
Sparebanken Sør
A-Score
1-Year Total Return ->
5
Thurgauer KB
A-Score
1-Year Total Return ->
6
