-0.64%
5.89%
6.73%
2.27%
16.24%
68.73%
91.14%
AI Spotlight on DANSKE
Company Description
Danske Bank A/S provides various banking products and services to corporate, institutional, and international clients.The company offers insurance and pension products, mortgage finance and real-estate brokerage services, asset management and trading services in fixed income products, foreign exchange services, and equities.It also provides advisory services to personal and private banking customers; and business advisory services, including acquisition, change of ownership, strategic development, or international expansion.
In addition, the company offers financing, risk management, investment, and financial advisory services for large corporates and institutions; healthcare solutions; and online and mobile banking services.It has operations in Denmark, Finland, Sweden, Norway, the United Kingdom, and internationally.The company was founded in 1871 and is headquartered in Copenhagen, Denmark.
Market Data
| Last Price | 215.8 |
| Change Percentage | -0.64% |
| Open | 217.4 |
| Previous Close | 217.2 |
| Market Cap ( Millions) | 181464 |
| Volume | 256931 |
| Year High | 219.2 |
| Year Low | 189.5 |
| M A 50 | 206.22 |
| M A 200 | 204.28 |
Financial Ratios
| FCF Yield | -17.94% |
| Dividend Yield | 9.96% |
| ROE | 13.29% |
| Debt / Equity | 746.55% |
| Net Debt / EBIDTA | 2236.85% |
| Price To Book | 1.04 |
| Price Earnings Ratio | 7.9 |
| Price To FCF | -5.58 |
| Price To sales | 1.63 |
| EV / EBITDA | 26.49 |
News
- 10:45 - Danske Bank adopts BlackRock’s Aladdin Wealth platform
- Jan -27 - Danske Bank share buy-back programme: Transactions in week 4
- Jan -24 - Nordic Banks Ramp Up M&A Teams Ahead of Expected 2025 Deal Wave
- Jan -20 - Danske Bank share buy-back programme: Transactions in week 3
- Jan -13 - Danske Bank share buy-back programme: Transactions in week 2
- Jan -07 - US transfers $50 million in forfeited assets to Estonia for help in Danske Bank prosecution
- Jan -06 - Danske Bank share buy-back programme: Transactions in week 1
- Dec -30 - Danske Bank share buy-back programme: Transactions in week 52
- Dec -23 - Danske Bank share buy-back programme: Transactions in week 51
- Dec -20 - Japan Warns on Yen After BOJ’s Dovish Message Extends Slide
- Dec -16 - Danske Bank share buy-back programme: Transactions in week 50
- Dec -09 - Danske Bank share buy-back programme: Transactions in week 49
- Dec -02 - RPC finalises $122m refinance of 146MW Klevberget onshore wind
- Dec -02 - Danske Bank share buy-back programme: Transactions in week 48
- Nov -25 - Danske Bank share buy-back programme: Transactions in week 47
- Nov -18 - Danske Bank share buy-back programme: Transactions in week 46
- Nov -11 - Danske Bank share buy-back programme: Transactions in week 45
- Nov -04 - Danske Bank share buy-back programme: Transactions in week 44
- Nov -01 - Danske Bank AS (DNKEY) Q3 2024 Earnings Call Highlights: Record ROE and Revised Profit Outlook
- Oct -31 - Danske Bank Raises Guidance After Market Beat
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Personal Customers
Expected Growth : 4.77 %
What the company do ?
Personal Customers from Danske Bank A/S refers to individual clients who hold personal banking products and services with the bank, including current accounts, savings, loans, and credit cards.
Why we expect these perspectives ?
Danske Bank A/S's 4.77% growth in personal customers is driven by its digital transformation, user-friendly online banking platform, and competitive interest rates on deposits. Additionally, its extensive branch network and personalized customer service have contributed to the growth. Furthermore, the bank's focus on sustainable banking practices and ESG initiatives has attracted environmentally conscious customers.
Segment n°2 -> Large Corporates and Institutions
Expected Growth : 4.77 %
What the company do ?
Large Corporates and Institutions from Danske Bank A/S provides financial services and solutions to large corporations, institutions, and governments, offering tailored advice and products to meet their complex financial needs.
Why we expect these perspectives ?
Danske Bank A/S's 4.77% growth in Large Corporates and Institutions is driven by increasing demand for cash management and trade finance solutions, expansion into new markets, and strategic partnerships. Additionally, the bank's digital transformation efforts and investment in technology have improved operational efficiency, enabling it to better serve its corporate clients and drive growth.
Segment n°3 -> Business Customers
Expected Growth : 4.77 %
What the company do ?
Business Customers from Danske Bank A/S refers to corporate clients, including small to medium-sized enterprises and large corporations, that utilize the bank's financial services and products.
Why we expect these perspectives ?
Danske Bank A/S's 4.77% growth in Business Customers is driven by its strategic focus on digitalization, enhancing customer experience, and expanding its corporate banking services. Additionally, the bank's strong brand reputation, competitive pricing, and tailored financial solutions for SMEs have contributed to its growth in this segment.
Segment n°4 -> Reconciling Items
Expected Growth : 6.5 %
What the company do ?
Reconciling Items from Danske Bank A/S refers to the process of identifying and resolving discrepancies between the bank's internal records and external statements, ensuring accurate financial reporting and compliance.
Why we expect these perspectives ?
Danske Bank A/S's 6.5% growth is driven by increasing digitalization, cost savings from restructuring, and a strong mortgage business. Additionally, the bank's focus on corporate and institutional clients, as well as its expansion into the Nordic markets, contribute to its growth. Furthermore, the bank's efforts to improve operational efficiency and reduce risk costs also support its growth momentum.
Segment n°5 -> Northern Ireland
Expected Growth : 4.55 %
What the company do ?
Northern Ireland is a part of the United Kingdom, located in the northeastern part of the island of Ireland, where Danske Bank A/S operates as a major bank.
Why we expect these perspectives ?
Danske Bank's 4.55% growth in Northern Ireland is driven by a strong economy, low unemployment, and increasing consumer spending. The region's growing tech sector, infrastructure development, and tourism industry also contribute to the growth. Additionally, the bank's strategic expansion into the region, improved lending conditions, and competitive interest rates further support the growth.
Segment n°6 -> Eliminations
Expected Growth : 5.4 %
What the company do ?
Eliminations from Danske Bank A/S refer to the removal of inter-company transactions and balances between Danske Bank and its subsidiaries to present a consolidated financial statement.
Why we expect these perspectives ?
Danske Bank A/S's 5.4% growth is driven by strategic cost reductions, improved operational efficiency, and a focus on digital transformation. Additionally, the bank's efforts to strengthen its capital position and reduce risk-weighted assets have contributed to its growth. Furthermore, the bank's expansion into new markets and increased focus on customer experience have also driven growth.
Segment n°7 -> Group Functions
Expected Growth : 6.37 %
What the company do ?
Group Functions from Danske Bank A/S refers to the central units that support the bank's business, including Risk Management, Compliance, and Finance.
Why we expect these perspectives ?
Danske Bank's 6.37% growth in Group Functions is driven by strategic cost reductions, operational efficiency gains, and investments in digitalization. Additionally, the bank's focus on core business areas, such as personal banking and corporate lending, has contributed to revenue growth. Furthermore, the bank's efforts to improve customer experience and expand its product offerings have also supported growth.
Segment n°8 -> Danica
Expected Growth : 4.77 %
What the company do ?
Danica is a pension and insurance company owned by Danske Bank A/S, offering a range of pension and insurance products to individuals and companies.
Why we expect these perspectives ?
Danica's 4.77% growth is driven by strong asset management performance, fueled by increasing demand for sustainable investments and a solid track record of returns. Additionally, the company's focus on digitalization and cost-cutting initiatives have improved operational efficiency, contributing to the growth.
Danske Bank A/S Products
| Product Range | What is it ? |
|---|---|
| Personal Banking | Danske Bank's personal banking services provide individuals with a range of financial products and services, including current and savings accounts, credit cards, personal loans, and mortgages. |
| Business Banking | Danske Bank's business banking services provide businesses with a range of financial products and services, including business accounts, loans, credit facilities, and cash management solutions. |
| Corporate Banking | Danske Bank's corporate banking services provide large corporations with a range of financial products and services, including cash management, trade finance, and risk management solutions. |
| Wealth Management | Danske Bank's wealth management services provide individuals and families with a range of investment and wealth management solutions, including portfolio management, investment advice, and estate planning. |
| Insurance | Danske Bank's insurance services provide individuals and businesses with a range of insurance products, including life insurance, pension insurance, and non-life insurance. |
| Investment Banking | Danske Bank's investment banking services provide corporations and institutions with a range of advisory and financing services, including mergers and acquisitions, equity and debt capital markets, and leveraged finance. |
| Transaction Banking | Danske Bank's transaction banking services provide corporations and institutions with a range of cash management, trade finance, and securities services. |
Danske Bank A/S's Porter Forces
Threat Of Substitutes
Danske Bank A/S operates in a highly competitive market, and customers have various alternatives for their banking needs. However, the bank's strong brand and extensive network of branches and ATMs provide some protection against substitutes.
Bargaining Power Of Customers
Danske Bank A/S has a large customer base, and individual customers have significant bargaining power due to the ease of switching banks. The bank needs to maintain high-quality services to retain customers.
Bargaining Power Of Suppliers
Danske Bank A/S has a strong bargaining position with its suppliers, as it is a large and established bank. Suppliers are likely to be dependent on the bank's business, giving the bank negotiating power.
Threat Of New Entrants
The banking industry has significant barriers to entry, including regulatory requirements and the need for substantial capital. New entrants would face significant challenges in competing with established banks like Danske Bank A/S.
Intensity Of Rivalry
The banking industry is highly competitive, with many established players competing for market share. Danske Bank A/S faces intense rivalry from other banks, which can lead to pricing pressure and a focus on differentiating its services.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 90.02% |
| Debt Cost | 5.39% |
| Equity Weight | 9.98% |
| Equity Cost | 8.41% |
| WACC | 5.69% |
| Leverage | 902.42% |
Danske Bank A/S : Quality Control
Danske Bank A/S passed 3 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| DBK.DE | Deutsche Bank Aktiengesellschaft provides investment, financial, and related products and services to private individuals, corporate entities, and institutional clients worldwide. Its Corporate Bank segment provides cash management, trade finance and … |
| SEB-A.ST | Skandinaviska Enskilda Banken AB (publ) provides corporate, retail, investment, and private banking services. It operates through Large Corporates & Financial Institutions, Corporate & Private Customers, Baltic, Life, and Investment Management … |
| UCG.MI | UniCredit S.p.A. operates as a commercial bank that provides retail, corporate, and private banking services. It offers accounts and deposits, loans, cards, transactions and payments, funds, advisory, treasury, and insurance … |
| KBC.BR | KBC Group NV, together with its subsidiaries, provides integrated bank-insurance services primarily for retail, private banking, small and medium sized enterprises, and mid-cap clients. The company offers demand deposits and … |
| LLOY.L | Lloyds Banking Group plc, together with its subsidiaries, provides a range of banking and financial services in the United Kingdom. It operates through three segments: Retail; Commercial Banking; and Insurance … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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KBC
A-Score
1-Year Total Return ->
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UniCredit
A-Score
1-Year Total Return ->
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Lloyds Banking
A-Score
1-Year Total Return ->
4
SEB
A-Score
1-Year Total Return ->
5
Danske Bank
A-Score
1-Year Total Return ->
6
