0.00%
1.22%
56.63%
55.69%
77.78%
112.46%
217.56%
AI Spotlight on SPNO
Company Description
Spar Nord Bank A/S provides various banking products and services to retail, business, and public sector customers in Denmark.It offers deposits, loans, advances, and guarantee services, as well as custodianship accounts.The company also provides trading services in the field of equities, bonds, interest and forex, asset management, and international transactions, as well as leasing products.
In addition, it offers consumer financing services through retail stores; gift voucher solutions through shopping centers and shopping center associations; and direct loans through its website, sparxpres.dk.Spar Nord Bank A/S was founded in 1824 and is based in Aalborg, Denmark.
Market Data
| Last Price | 208 |
| Change Percentage | 0.00% |
| Open | 208 |
| Previous Close | 208 |
| Market Cap ( Millions) | 23955 |
| Volume | 24722 |
| Year High | 209 |
| Year Low | 110.9 |
| M A 50 | 191.53 |
| M A 200 | 146.08 |
Financial Ratios
| FCF Yield | 1.26% |
| Dividend Yield | 4.81% |
| ROE | 17.97% |
| Debt / Equity | 17.82% |
| Net Debt / EBIDTA | -11.24% |
| Price To Book | 1.88 |
| Price Earnings Ratio | 10.51 |
| Price To FCF | 79.59 |
| Price To sales | 3.34 |
| EV / EBITDA | 16.41 |
News
- Jan -09 - 3 Dividend Stocks To Consider With Up To 4.8% Yield
- Jan -08 - Publication of offer document and board of directors’ statement
- Dec -18 - Financial guidance for 2025
- Dec -13 - Share buyback programme discontinued - Transactions in week 50
- Dec -11 - Nykredit Realkredit to acquire Spar Nord Bank for $3.5bn
- Dec -10 - Denmark’s Nykredit to Buy Spar Nord Bank for $3.5 Billion
- Dec -10 - Share buyback programme discontinued
- Dec -10 - Nykredit announces all-cash voluntary takeover offer for Spar Nord Bank
- Nov -28 - Top Dividend Stocks To Consider In November 2024
- Nov -19 - Share buybacks in Spar Nord Bank – transactions in week 46
- Nov -12 - Share buybacks in Spar Nord Bank – transactions in week 45
- Nov -05 - Financial Calendar for 2025
- Nov -05 - Share buybacks in Spar Nord Bank – transactions in week 44
- Oct -31 - Financial results for Q1-Q3 2024
- Oct -29 - Share buybacks in Spar Nord Bank – transactions in week 43
- Oct -23 - Spar Nord revises its financial guidance
- Oct -22 - Share buybacks in Spar Nord Bank – transactions in week 42
- Oct -15 - Share buybacks in Spar Nord Bank – transactions in week 41
- Oct -08 - Share buybacks in Spar Nord Bank – transactions in week 40
- Sep -24 - Share buybacks in Spar Nord Bank – transactions in week 38
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Spar Nord's Local Banks
Expected Growth : 4.5 %
What the company do ?
Spar Nord's Local Banks are a network of community-focused banks in Denmark, offering personalized services and local decision-making, under the umbrella of Spar Nord Bank A/S.
Why we expect these perspectives ?
Spar Nord's Local Banks are poised for growth driven by increasing demand for personalized services and local decision-making in Denmark. The community-focused approach and decentralized decision-making process will continue to attract customers seeking tailored banking solutions, driving a forecasted CAGR of 4.5%.
Segment n°2 -> Trading
Expected Growth : 10.5 %
What the company do ?
Trading from Spar Nord Bank A/S allows customers to buy and sell securities, such as stocks, bonds, and ETFs, through their online platform or mobile app.
Why we expect these perspectives ?
Growing demand for online trading platforms, increasing adoption of digital banking, and rising popularity of ETFs are driving the growth of Spar Nord Bank's trading segment.
Segment n°3 -> Other Areas
Expected Growth : 4.5 %
What the company do ?
Other Areas from Spar Nord Bank A/S refers to the bank's non-core business activities, including its subsidiaries and joint ventures, which are not part of its core banking operations.
Why we expect these perspectives ?
The Other Areas segment of Spar Nord Bank A/S is expected to grow driven by increasing demand for non-core banking services, expansion of subsidiaries and joint ventures, and strategic partnerships. The segment's growth is also fueled by the bank's efforts to diversify its revenue streams and reduce dependence on core banking operations.
Spar Nord Bank A/S Products
| Product Range | What is it ? |
|---|---|
| Personal Banking | Spar Nord Bank A/S offers a range of personal banking services, including current and savings accounts, credit cards, and personal loans. |
| Business Banking | The bank provides business banking services, including business accounts, loans, and cash management solutions, tailored to the needs of small and medium-sized enterprises. |
| Mortgage Loans | Spar Nord Bank A/S offers a range of mortgage loan options, including fixed-rate and variable-rate loans, for individuals and businesses. |
| Investment Services | The bank provides investment services, including portfolio management, investment advice, and online trading platforms. |
| Insurance Services | Spar Nord Bank A/S offers a range of insurance products, including life insurance, pension plans, and non-life insurance. |
| Corporate Finance | The bank provides corporate finance services, including mergers and acquisitions, equity and debt capital markets, and restructuring advisory. |
Spar Nord Bank A/S's Porter Forces
Threat Of Substitutes
The threat of substitutes for Spar Nord Bank A/S is moderate, as customers have alternative banking options available.
Bargaining Power Of Customers
The bargaining power of customers is low, as Spar Nord Bank A/S has a strong customer base and offers a range of financial services.
Bargaining Power Of Suppliers
The bargaining power of suppliers is moderate, as Spar Nord Bank A/S relies on a range of suppliers for its operations, but has some flexibility in its supply chain.
Threat Of New Entrants
The threat of new entrants is low, as the banking industry has high barriers to entry and Spar Nord Bank A/S has a strong market position.
Intensity Of Rivalry
The intensity of rivalry is high, as Spar Nord Bank A/S operates in a competitive market with several other banks and financial institutions.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 55.60% |
| Debt Cost | 6.76% |
| Equity Weight | 44.40% |
| Equity Cost | 7.17% |
| WACC | 6.94% |
| Leverage | 125.22% |
Spar Nord Bank A/S : Quality Control
Spar Nord Bank A/S passed 3 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| BKS.VI | BKS Bank AG, together with its subsidiaries, provides various banking products and services. The company operates through four segments: Corporate and Business Banking, Retail Banking, Financial Markets, and Other segments. … |
| BNORDIK-CSE.CO | P/F BankNordik, together with its subsidiaries, provides personal and corporate banking services in the Faroe Islands and Greenland. The company operates in two segments, Banking and Non-Life Insurance. It provides … |
| VATN.SW | Valiant Holding AG, together with its subsidiaries, provides financial services to private retail clients, affluent private clients, self-employed individuals, and small and medium-sized companies. The company offers savings; real estate … |
| SOAG.OL | SpareBank 1 Østfold Akershus, a savings bank, provides various banking products and services in Østfold and the southern part of Akershus. The company offers savings, operating, tax deduction, deposit, placement, … |
| SPOL.OL | SpareBank 1 Østlandet provides various financial products and services to individuals, businesses, the public sector, clubs, and societies. The company offers deposits, financing, savings, advisory, life and non-life insurance, and … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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SpareBank 1 Ostlandet
A-Score
1-Year Total Return ->
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SpareBank 1 Østfold Akershus
A-Score
1-Year Total Return ->
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BankNordik
A-Score
1-Year Total Return ->
4
BKS Bank
A-Score
1-Year Total Return ->
5
Valiant Holding
A-Score
1-Year Total Return ->
6
