0.19%
3.75%
26.44%
21.76%
19.00%
27.05%
176.26%
AI Spotlight on SPKSJF
Company Description
Sparekassen Sjælland-Fyn A/S, a savings bank, provides financial products and services to private and corporate customers.The company offers deposits and lending services, overdrafts, savings products, mortgage, car and housing loans, pension savings products, asset management services, and investment and insurance products, as well as mobile and net banking services.The company was formerly known as Sparekassen Sjælland A/S and changed its name to Sparekassen Sjælland-Fyn A/S in May 2016.
Sparekassen Sjælland-Fyn A/S was founded in 1825 and is based in Holbæk, Denmark.
Market Data
| Last Price | 263 |
| Change Percentage | 0.19% |
| Open | 260.5 |
| Previous Close | 262.5 |
| Market Cap ( Millions) | 4420 |
| Volume | 11288 |
| Year High | 270.5 |
| Year Low | 203.5 |
| M A 50 | 243.33 |
| M A 200 | 221.85 |
Financial Ratios
| FCF Yield | 45.70% |
| Dividend Yield | 3.04% |
| ROE | 14.51% |
| Debt / Equity | 0.00% |
| Net Debt / EBIDTA | -1170.37% |
| Price To Book | 0.94 |
| Price Earnings Ratio | 7.01 |
| Price To FCF | 2.19 |
| Price To sales | 2.42 |
| EV / EBITDA | -0.18 |
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Banking and Related Activities
Expected Growth : 2.0 %
What the company do ?
Sparekassen Sjælland-Fyn A/S provides banking and related activities, including lending, deposits, and investment services to individuals and businesses in Denmark.
Why we expect these perspectives ?
Sparekassen Sjælland-Fyn A/S's 2.0% growth in Banking and Related Activities is driven by increasing demand for mortgage lending, growth in corporate lending, and expansion of digital banking services. Additionally, the bank's focus on customer relationships, cost control, and efficient risk management contribute to its steady growth.
Sparekassen Sjælland-Fyn A/S Products
| Product Range | What is it ? |
|---|---|
| Private Banking | Personalized financial services for high net worth individuals, including investment advice, wealth management, and tailored financial solutions. |
| Business Banking | Comprehensive banking services for businesses, including cash management, trade finance, and lending solutions. |
| Mortgage Loans | Competitive mortgage loan options for individuals and families, including fixed-rate and variable-rate loans. |
| Savings and Deposits | A range of savings and deposit products, including current accounts, savings accounts, and time deposits. |
| Investment and Pension | A range of investment and pension products, including mutual funds, stocks, and pension plans. |
| Insurance | A range of insurance products, including life insurance, home insurance, and travel insurance. |
| Digital Banking | Online and mobile banking services, including account management, payment services, and mobile payment solutions. |
Sparekassen Sjælland-Fyn A/S's Porter Forces
Threat Of Substitutes
The threat of substitutes for Sparekassen Sjælland-Fyn A/S is medium, as there are some alternatives to traditional banking services, but they are not yet widely adopted.
Bargaining Power Of Customers
The bargaining power of customers is low, as Sparekassen Sjælland-Fyn A/S has a strong brand and a large customer base, making it difficult for individual customers to negotiate better terms.
Bargaining Power Of Suppliers
The bargaining power of suppliers is medium, as Sparekassen Sjælland-Fyn A/S relies on a few large suppliers for its technology and infrastructure, but has some flexibility to negotiate prices.
Threat Of New Entrants
The threat of new entrants is low, as the banking industry has high barriers to entry, including regulatory requirements and the need for significant capital investment.
Intensity Of Rivalry
The intensity of rivalry is high, as Sparekassen Sjælland-Fyn A/S operates in a highly competitive market with many established players, and must constantly innovate and improve its services to remain competitive.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 55.02% |
| Debt Cost | 6.12% |
| Equity Weight | 44.98% |
| Equity Cost | 6.12% |
| WACC | 6.12% |
| Leverage | 122.34% |
Sparekassen Sjælland-Fyn A/S : Quality Control
Sparekassen Sjælland-Fyn A/S passed 3 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| 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 … |
| MING.OL | SpareBank 1 SMN, together with its subsidiaries, provides various banking, accounting, and real estate products and services to private individuals and companies in Norway and internationally. The company offers mortgage, … |
| NONG.OL | SpareBank 1 Nord-Norge provides banking services to personal and corporate customers in Northern Norway. It operates through Retail Market, Corporate Market, Leasing, and Markets segments. The company offers various savings, … |
| 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 … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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SpareBank 1 SMN
A-Score
1-Year Total Return ->
🥈
Sparekassen Sjælland-Fyn
A-Score
1-Year Total Return ->
🥉
SpareBank 1 Nord-Norge
A-Score
1-Year Total Return ->
4
BankNordik
A-Score
1-Year Total Return ->
5
Danske Bank
A-Score
1-Year Total Return ->
6
