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1. Company Snapshot

1.a. 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.

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1.b. Last Insights on SPKSJF

Sparekassen Sjælland-Fyn A/S's strong fundamentals are driving its recent performance. The Danish bank's solid financial health and growth prospects make it an attractive opportunity in the small-cap space. Amidst rising U.S. inflation and market volatility, the bank's unique value proposition and resilience are key drivers. With a strong balance sheet and growth potential, Sparekassen Sjælland-Fyn A/S is well-positioned to navigate the complex market environment.

1.c. Company Highlights

2. Transcript Summary

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4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (2.00%)

6. Segments

Banking and Related Activities

Expected Growth: 2.0%

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.

7. Detailed Products

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.

8. Sparekassen Sjælland-Fyn A/S's Porter Forces

Forces Ranking

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.

9. SWOT Analysis

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 55.02%
Debt Cost 6.12%
Equity Weight 44.98%
Equity Cost 6.12%
WACC 6.12%
Leverage 122.34%

11. Quality Control: Sparekassen Sjælland-Fyn A/S passed 3 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Stock-Card
SpareBank 1 Nord-Norge

A-Score: 8.0/10

Value: 7.4

Growth: 7.8

Quality: 6.2

Yield: 9.4

Momentum: 8.0

Volatility: 9.3

1-Year Total Return ->

Stock-Card
Sparekassen Sjælland-Fyn

A-Score: 7.6/10

Value: 7.5

Growth: 7.7

Quality: 7.6

Yield: 4.4

Momentum: 10.0

Volatility: 8.3

1-Year Total Return ->

Stock-Card
SpareBank 1 SMN

A-Score: 7.6/10

Value: 7.0

Growth: 5.6

Quality: 6.1

Yield: 8.8

Momentum: 8.0

Volatility: 10.0

1-Year Total Return ->

Stock-Card
Sparebanken Sør

A-Score: 6.7/10

Value: 7.4

Growth: 3.0

Quality: 6.4

Yield: 9.4

Momentum: 7.5

Volatility: 6.7

1-Year Total Return ->

Stock-Card
Danske Bank

A-Score: 6.3/10

Value: 6.1

Growth: 2.9

Quality: 7.7

Yield: 5.0

Momentum: 8.5

Volatility: 7.7

1-Year Total Return ->

Stock-Card
BankNordik

A-Score: 5.1/10

Value: 6.4

Growth: 6.1

Quality: 7.7

Yield: 5.0

Momentum: 4.0

Volatility: 1.7

1-Year Total Return ->

Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

348.0$

Current Price

348$

Potential

-0.00%

Expected Cash-Flows