-1.06%
0.68%
6.11%
-2.37%
-2.00%
28.71%
100.35%
AI Spotlight on JYSK
Company Description
Jyske Bank A/S provides various financial solutions in Denmark and Germany.It operates through Banking Activities, Mortgage Activities, and Leasing Activities segments.The Banking Activities segment provides advisory services relating to traditional financial solutions for personal and private banking, and corporate clients; and trading and investment services, including trading in interest rate products, currencies, equities, commodities, and derivatives for corporate and institutional clients.
The Mortgage Activities segment offers financial solutions for the financing of real property to Danish personal clients, corporate clients, and subsidized rental housing.The Leasing Activities segment provides financial solutions in the form of leasing and financing within car financing, as well as leasing and financing of equipment for the corporate sector.It serves Danish personal and corporate clients, as well as dealer cooperation schemes and partnerships.
Jyske Bank A/S was founded in 1917 and is headquartered in Silkeborg, Denmark.
Market Data
| Last Price | 515.5 |
| Change Percentage | -1.06% |
| Open | 513 |
| Previous Close | 521 |
| Market Cap ( Millions) | 33123 |
| Volume | 107861 |
| Year High | 616.5 |
| Year Low | 469 |
| M A 50 | 511.42 |
| M A 200 | 528.92 |
Financial Ratios
| FCF Yield | -101.90% |
| Dividend Yield | 1.51% |
| ROE | 12.64% |
| Debt / Equity | 975.62% |
| Net Debt / EBIDTA | 8749.69% |
| Price To Book | 0.65 |
| Price Earnings Ratio | 5.57 |
| Price To FCF | -0.98 |
| Price To sales | 1.38 |
| EV / EBITDA | 94.65 |
News
- Jan -13 - Niels Erik Jakobsen, Managing Director, retires
- Dec -13 - Jyske Bank accepts fine
- Nov -22 - Succession in Jyske Realkredit
- Oct -31 - Jyske Bank AS (FRA:JYS1) Q3 2024 Earnings Call Highlights: Record Profits and Strategic Growth ...
- Oct -29 - Interim Financial Report Q1-Q3 2024
- Oct -29 - Jyske Bank launches strategy and long-term financial targets
- Oct -11 - Outlook for earnings per share in 2024 upgraded to DKK 75-80
- Oct -04 - Conclusion of share repurchase programme
- Aug -20 - Notice of Extraordinary General Meeting of Jyske Bank
- Aug -20 - Interim Financial Report H1 2024
- Jun -10 - Share repurchase programme
- May -23 - New Organisation and Appointment to the Group Executive Board
- May -07 - Jyske Bank announces share repurchase programme
- May -07 - Interim Financial Report, Q1 2024
- Mar -21 - Notice of Extraordinary General Meeting of Jyske Bank A/S
- Mar -21 - Annual General Meeting of Jyske Bank A/S on 21 March 2024
- Mar -21 - New member of Jyske Bank’s Executive Board
- Feb -27 - Notice of Annual General Meeting of Jyske Bank A/S
- Feb -27 - Annual Report 2023
- Dec -14 - Outlook for earnings per share in 2023 upgraded to DKK 82-87
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Banking
Expected Growth : 5.4 %
What the company do ?
Jyske Bank A/S is a Danish bank offering personal and business banking services, including loans, accounts, and investments, with a focus on digital banking and customer experience.
Why we expect these perspectives ?
Jyske Bank A/S's 5.4% growth is driven by strong loan growth, improved net interest income, and cost discipline. The bank's focus on digitalization and customer experience has led to increased market share and revenue growth. Additionally, the bank's solid capital position and robust risk management have enabled it to maintain a strong balance sheet, supporting its growth momentum.
Segment n°2 -> Mortgage
Expected Growth : 7.43 %
What the company do ?
Mortgage from Jyske Bank A/S: A Danish mortgage loan with fixed or variable interest rates, flexible repayment terms, and competitive fees.
Why we expect these perspectives ?
The 7.43% growth of Mortgage from Jyske Bank A/S is driven by Denmark's low interest rate environment, increasing housing demand, and government-backed mortgage subsidies. Additionally, Jyske Bank's strong brand reputation, diversified mortgage portfolio, and efficient lending processes contribute to its market share expansion.
Segment n°3 -> Leasing
Expected Growth : 8.5 %
What the company do ?
Leasing from Jyske Bank A/S allows businesses to finance equipment and vehicles while preserving capital, with flexible repayment terms and tax benefits.
Why we expect these perspectives ?
Jyske Bank A/S's 8.5% leasing growth is driven by increasing demand for asset-based financing, expansion into new markets, and strategic partnerships. Additionally, the bank's digitalization efforts and competitive pricing strategy have improved customer acquisition and retention. Furthermore, the growth is supported by Denmark's stable economy and favorable business environment.
Segment n°4 -> Reclassification
Expected Growth : 4.77 %
What the company do ?
Reclassification from Jyske Bank A/S refers to the Danish bank's reclassification of its mortgage bonds from the banking book to the trading book, affecting its financial reporting.
Why we expect these perspectives ?
Jyske Bank A/S's 4.77% growth driven by strong loan growth, improved net interest income, and cost savings from digitalization initiatives. Additionally, the bank's focus on mortgage lending and strong asset quality contributed to the growth. Furthermore, the bank's strategic expansion into the Danish mortgage market and increased market share also supported the growth.
Segment n°5 -> Investment Portfolio Earnings
Expected Growth : 5.4 %
What the company do ?
Jyske Bank A/S's Investment Portfolio Earnings refer to the returns generated from the bank's investments in various assets, such as bonds, stocks, and real estate, which contribute to its overall profitability.
Why we expect these perspectives ?
Jyske Bank A/S's 5.4% investment portfolio earnings growth is driven by a combination of factors, including a strong Danish economy, increasing lending activities, and a growing customer base. Additionally, the bank's diversified investment portfolio, comprising of bonds, equities, and real estate, has contributed to the growth. Furthermore, effective cost management and a low risk profile have also supported the bank's earnings growth.
Jyske Bank A/S Products
| Product Range | What is it ? |
|---|---|
| Personal Banking | Jyske Bank A/S offers a range of personal banking services, including current and savings accounts, credit cards, personal loans, and mortgages. |
| Business Banking | Jyske Bank A/S provides business banking services, including business accounts, loans, and credit facilities, to support the growth and development of businesses. |
| Wealth Management | Jyske Bank A/S offers wealth management services, including investment advice, portfolio management, and asset management, to help clients achieve their investment goals. |
| Corporate Banking | Jyske Bank A/S provides corporate banking services, including cash management, trade finance, and risk management, to support the financial needs of large corporations. |
| Markets and Treasury | Jyske Bank A/S offers markets and treasury services, including foreign exchange, interest rates, and commodities, to help clients manage their financial risks and opportunities. |
| Digital Banking | Jyske Bank A/S provides digital banking services, including online banking, mobile banking, and digital payment solutions, to enable clients to manage their finances anytime, anywhere. |
Jyske Bank A/S's Porter Forces
Threat Of Substitutes
Jyske Bank A/S operates in a highly competitive market, and customers have various alternatives to traditional banking services. However, the bank's strong brand and customer loyalty mitigate the threat of substitutes.
Bargaining Power Of Customers
Jyske Bank A/S's customers have significant bargaining power due to the availability of alternative banking services. The bank's customers are highly informed and demanding, which increases their bargaining power.
Bargaining Power Of Suppliers
Jyske Bank A/S has a strong negotiating position with its suppliers, which reduces their bargaining power. The bank's large scale of operations and long-term contracts with suppliers also limit their bargaining power.
Threat Of New Entrants
The threat of new entrants in the Danish banking industry is low due to the high barriers to entry, including regulatory requirements and the need for significant capital investments.
Intensity Of Rivalry
The Danish banking industry is highly competitive, with several large banks competing for market share. Jyske Bank A/S faces intense competition from its rivals, which increases the intensity of rivalry.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 93.18% |
| Debt Cost | 4.59% |
| Equity Weight | 6.82% |
| Equity Cost | 7.42% |
| WACC | 4.78% |
| Leverage | 1366.49% |
Jyske Bank A/S : Quality Control
Jyske Bank A/S passed 3 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| AIBG.L | AIB Group plc provides banking and financial products and services to retail, business, and corporate customers. It operates through Retail Banking, Corporate Institutional & Business Banking, AIB UK, and Group … |
| RILBA.CO | Ringkjøbing Landbobank A/S provides various banking products and services in Denmark. It offers various deposit products; loans and guarantees; mortgage credit commission; securities trading; asset management; custody accounts; foreign exchange; … |
| BMPS.MI | Banca Monte dei Paschi di Siena S.p.A. provides retail and commercial banking services primarily in Italy. The company operates through Retail Banking, Corporate Banking, and Wealth Management segments. It offers … |
| AZA.ST | Avanza Bank Holding AB (publ) provides online stock trading services in Sweden. The company offers share and fund, investment savings, endowment insurance, endowment child insurance, external deposit, and pension insurance … |
| BMED.MI | Banca Mediolanum S.p.A. provides various banking products and services in Italy. The company offers current accounts and mortgages and loans. It also provides debit, credit, and prepaid cards; savings and … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Banca Mediolanum
A-Score
1-Year Total Return ->
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Avanza Bank
A-Score
1-Year Total Return ->
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Monte dei Paschi
A-Score
1-Year Total Return ->
4
AIB
A-Score
1-Year Total Return ->
5
Ringkjøbing Landbobank
A-Score
1-Year Total Return ->
6
