-0.45%
5.88%
6.95%
7.76%
18.48%
15.33%
50.14%
AI Spotlight on DNB
Company Description
DNB Bank ASA provides financial services for retail and corporate customers in Norway and internationally.The company offers personal banking products and services, including savings and investment products; loans, such as home mortgages, and car and consumer loans; pet, home and property, travel, and personal insurance products, as well as insurance products for vehicles; retirement savings products; foreign exchange and treasury activities; and Internet and mobile banking services, as well as cards.It also provides business banking products and services comprising savings and investment products consisting of savings accounts, fixed rate deposits, exchange traded products, bonds and commercial papers, asset management, and equity services; financing, such as installment loans, overdraft facility, bank guarantees, leasing, factoring, and trade and export financing services; transaction banking services; research, commodities, bonds and commercial papers, corporate finance, debt capital market, equities, foreign exchange and interest rates, and securities services; and Internet services, including online equity trading, online FX trading, e-confirmation, equities execution, and investor and margin accounts, as well as pension services.
In addition, the company provides investment banking services, such as mergers and acquisition, and equity and debt capital market services; foreign exchange, interest rates, equities, commodities, fixed income, research, private equity, and securities services; and corporate banking services.Further, it offers private banking services.The company offers its products and services to various sectors, including energy; financial institutions; healthcare; manufacturing; packaging and forest products; seafood; shipping, offshore, and logistics; and telecom, media, and technology.
DNB Bank ASA was founded in 1822 and is headquartered in Oslo, Norway.
Market Data
| Last Price | 243 |
| Change Percentage | -0.45% |
| Open | 244.1 |
| Previous Close | 244.1 |
| Market Cap ( Millions) | 362685 |
| Volume | 64903 |
| Year High | 245.6 |
| Year Low | 192.6 |
| M A 50 | 231.74 |
| M A 200 | 219.14 |
Financial Ratios
| FCF Yield | 136.28% |
| Dividend Yield | 6.58% |
| ROE | 15.89% |
| Debt / Equity | 348.93% |
| Net Debt / EBIDTA | 972.14% |
| Price To Book | 1.29 |
| Price Earnings Ratio | 8.48 |
| Price To FCF | 0.73 |
| Price To sales | 3.09 |
| EV / EBITDA | 18.85 |
News
- Jan -22 - Oil Edges Higher as Traders Weigh U.S. Tariff Risks
- Jan -21 - Oil’s Recent Surge Should Prompt Caution in Trump’s Sanctions Strategy
- Nov -21 - Natural-Gas Rally Picks Up Steam
- Nov -21 - U.S. Natural Gas Inventory Draw Gets Season Started
- Nov -04 - OPEC+ Output Hike Delay Signals Price Concerns
- Oct -21 - DNB Bank Agrees to Buy Swedish Banking Group Carnegie For $1.1 Billion
- Sep -26 - Oil Futures Fall As Saudi Arabia Seen Intent on Unwinding Cuts
- Sep -26 - Oil Prices Retreat Toward Three-Year Lows…Again
- Sep -26 - OPEC+ Output Increase Will Lead to Oversupplied Market
- Sep -17 - U.S. Natural Gas Futures Settle Lower
- Sep -17 - U.S. Natural Gas Futures Add to Gains
- Aug -23 - All You Need to Know About DNB Bank ASA (DNBBY) Rating Upgrade to Strong Buy
- Aug -20 - Riksbank Cuts Swedish Rate and Outlines Faster Easing Plan
- Aug -08 - Benign Storage Data Support U.S. Natural Gas Futures
- Aug -08 - U.S. Natural Gas Inventories Rise Less Than Expected
- Aug -01 - Is DNB Bank ASA (DNBBY) a Solid Growth Stock? 3 Reasons to Think "Yes"
- Jul -11 - DNB Bank Posts Earnings Beat on Stable Economy and High Customer Activity
- Jul -05 - Saudi’s Oil Price Cut to Asia Was Less Significant Than Predicted, DNB Says
- Apr -24 - U.S. President Likely to Limit Impact of New Iran Sanctions to Avoid Oil Price Rise
- Apr -19 - Israel’s Attack on Iran Appears Fairly Limited, Easing Pressure on Oil Markets
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Corporate Customers
Expected Growth : 6.47 %
What the company do ?
Corporate Customers from DNB Bank ASA refers to large businesses and corporations that maintain a banking relationship with DNB Bank ASA, Norway's largest financial services group.
Why we expect these perspectives ?
The 6.47% growth in Corporate Customers at DNB Bank ASA is driven by increasing demand for cash management and trade finance solutions, expansion into new industries, and strategic partnerships. Additionally, the bank's digital transformation efforts, improved customer service, and competitive pricing strategies have contributed to the growth.
Segment n°2 -> Personal Customers
Expected Growth : 7.4 %
What the company do ?
Personal Customers from DNB Bank ASA refers to individual clients who maintain personal banking relationships with the bank, including private individuals and small businesses.
Why we expect these perspectives ?
The 7.4% growth in Personal Customers from DNB Bank ASA is driven by increasing demand for digital banking services, expansion into new markets, and strategic partnerships. Additionally, the bank's focus on customer experience, competitive pricing, and innovative product offerings have contributed to the growth. Furthermore, the Norwegian economy's stability and low unemployment rate have also supported the growth in personal banking customers.
Segment n°3 -> Other
Expected Growth : 4.77 %
What the company do ?
The 'Other' segment in DNB Bank ASA refers to non-banking activities, including real estate, asset management, and other financial services.
Why we expect these perspectives ?
Strong loan growth driven by increased demand from corporate and retail customers, coupled with expansion into new markets. Improved deposit growth and higher interest income also contributed to the growth. Additionally, the bank's digital transformation efforts and cost-cutting initiatives have enhanced operational efficiency, further supporting growth.
Segment n°4 -> Eliminations
Expected Growth : 4.77 %
What the company do ?
Eliminations from DNB Bank ASA refer to the removal of internal transactions and balances between DNB Bank ASA and its subsidiaries to present a consolidated financial statement.
Why we expect these perspectives ?
DNB Bank ASA's 4.77% growth is driven by strong loan growth, increased deposit margins, and cost savings from digitalization. Additionally, the bank's focus on corporate lending and investment in fintech has contributed to the growth. Furthermore, the bank's solid capital position and improved asset quality have also supported the growth.
Dnb Bank Asa Products
| Product Range | What is it ? |
|---|---|
| Personal Banking | DNB Bank ASA offers a range of personal banking services, including current and savings accounts, credit cards, personal loans, and mortgages. |
| Corporate Banking | DNB Bank ASA provides corporate banking services, including cash management, trade finance, and lending solutions, to large and medium-sized companies. |
| Investment Banking | DNB Bank ASA offers investment banking services, including mergers and acquisitions, equity and debt capital markets, and restructuring advisory services. |
| Markets | DNB Bank ASA provides market-making and trading services in fixed income, currencies, commodities, and equities. |
| Wealth Management | DNB Bank ASA offers wealth management services, including investment advice, portfolio management, and wealth planning. |
| Card Services | DNB Bank ASA issues credit cards, debit cards, and prepaid cards, and provides card payment processing services. |
| Digital Banking | DNB Bank ASA offers digital banking services, including online banking, mobile banking, and digital payment solutions. |
DNB Bank ASA's Porter Forces
Threat Of Substitutes
DNB Bank ASA operates in a highly competitive market, and customers have various alternatives for their banking needs. However, the bank's strong brand and wide range of services mitigate the threat of substitutes.
Bargaining Power Of Customers
DNB Bank ASA has a large customer base, but individual customers do not have significant bargaining power. The bank's diversified customer base and wide range of services reduce the bargaining power of customers.
Bargaining Power Of Suppliers
DNB Bank ASA has a strong bargaining position with its suppliers, given its large size and market presence. The bank can negotiate favorable terms with its suppliers, reducing the bargaining power of suppliers.
Threat Of New Entrants
The banking industry has high barriers to entry, including regulatory requirements and significant capital requirements. This reduces the threat of new entrants in the market.
Intensity Of Rivalry
The banking industry in Norway is highly competitive, with several major players competing for market share. DNB Bank ASA faces intense competition from other banks, which can lead to pricing pressure and reduced market share.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 77.88% |
| Debt Cost | 6.18% |
| Equity Weight | 22.12% |
| Equity Cost | 6.18% |
| WACC | 6.18% |
| Leverage | 352.15% |
DNB Bank ASA : Quality Control
DNB Bank ASA passed 4 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| CBK.DE | Commerzbank AG provides banking and capital market services to private and small business customers, multinational groups, financial service providers, and institutional clients worldwide. It operates through two segments, Private and … |
| ISP.MI | Intesa Sanpaolo S.p.A. provides various financial products and services primarily in Italy. It operates through six segments Banca dei Territori, IMI Corporate & Investment Banking, International Subsidiary Banks, Asset Management, … |
| EBS.VI | Erste Group Bank AG provides a range of banking and other financial services to retail, corporate, real estate, and public sector customers in Austria, Central and Eastern Europe, and internationally. … |
| ACA.PA | Crédit Agricole S.A. provides retail, corporate, insurance, and investment banking products and services worldwide. It operates through Asset Gathering; Large Customers; Specialised Financial Services; French Retail Banking - LCL; and … |
| CABK.MC | CaixaBank, S.A., together with its subsidiaries, provides various banking products and financial services in Spain and internationally. The company operates through Banking and Insurance, Equity Investments, and BPI segments. It … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Intesa Sanpaolo
A-Score
1-Year Total Return ->
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DNB Bank
A-Score
1-Year Total Return ->
🥉
Crédit Agricole
A-Score
1-Year Total Return ->
4
Erste Bank
A-Score
1-Year Total Return ->
5
CaixaBank
A-Score
1-Year Total Return ->
6
