Stock SPNO SPAR NORD BANK A/S
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Financials Spar Nord Bank A/S

Equities

SPNO

DK0060036564

Banks

Market Closed - Nasdaq Copenhagen
Other stock markets
 10:59:40 2024-04-26 am EDT 		5-day change 1st Jan Change
122 DKK +0.83% Intraday chart for Spar Nord Bank A/S -0.33% +14.45%
Mar. 19 Spar Nord Bank A/S Elects Mette Kaagaard (Birkerød) as New Board Member CI
Mar. 07 Spar Nord Bank Finalizes Repurchase of Tier 2 Capital Instruments MT

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 7,953 7,351 10,275 12,847 12,546 14,215 - -
Enterprise Value (EV) 1 7,953 7,351 10,275 12,847 12,546 14,215 14,215 14,215
P/E ratio 7.89 x 10.7 x 7.89 x 9.5 x 5.36 x 6.59 x 7.26 x 7.53 x
Yield 5.41% 2.51% 5.98% 4.23% 9.38% 7.38% 6.97% 6.56%
Capitalization / Revenue 2.38 x 2.21 x 2.69 x 3.1 x 2.22 x 2.49 x 2.59 x 2.65 x
EV / Revenue 2.38 x 2.21 x 2.69 x 3.1 x 2.22 x 2.49 x 2.59 x 2.65 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 0.89 x 0.77 x 0.96 x - 0.98 x 1.05 x 0.99 x 0.94 x
Nbr of stocks (in thousands) 122,916 122,927 122,911 120,742 117,689 116,518 - -
Reference price 2 64.70 59.80 83.60 106.4 106.6 122.0 122.0 122.0
Announcement Date 2/6/20 2/11/21 2/10/22 2/9/23 2/7/24 - - -
1DKK in Million2DKK
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 3,338 3,326 3,818 4,145 5,658 5,707 5,493 5,372
EBITDA - - - - - - - -
EBIT 1 1,324 1,227 1,581 1,808 3,108 3,001 2,736 2,537
Operating Margin 39.66% 36.89% 41.41% 43.62% 54.93% 52.58% 49.81% 47.23%
Earnings before Tax (EBT) 1 1,302 918 1,701 1,730 3,141 2,909 2,493 2,287
Net income 1 1,059 737 1,368 1,370 2,374 2,136 1,857 1,702
Net margin 31.73% 22.16% 35.83% 33.05% 41.96% 37.43% 33.81% 31.68%
EPS 2 8.200 5.600 10.60 11.20 19.90 18.50 16.80 16.20
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 3.500 1.500 5.000 4.500 10.00 9.000 8.500 8.000
Announcement Date 2/6/20 2/11/21 2/10/22 2/9/23 2/7/24 - - -
1DKK in Million2DKK
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4
Net sales 1 931 977 915 868 1,021 1,342 1,357 1,414 1,486 1,400 1,493 1,439 1,393 1,383
EBITDA - - - - - - - - - - - - - -
EBIT 1 418 407 322 284 470 732 729 790 879 709 834 750 756 660
Operating Margin 44.9% 41.66% 35.19% 32.72% 46.03% 54.55% 53.72% 55.87% 59.15% 50.64% 55.86% 52.12% 54.27% 47.72%
Earnings before Tax (EBT) 1 433 412 329 279 447 675 727 795 904 714 824 740 726 619
Net income 1 332 334 276 231 350 536 557 621 693 550 607 544 533 452
Net margin 35.66% 34.19% 30.16% 26.61% 34.28% 39.94% 41.05% 43.92% 46.64% 39.29% 40.66% 37.8% 38.26% 32.68%
EPS 2 2.700 2.600 2.200 1.700 2.900 4.400 4.500 5.100 5.700 4.500 5.160 4.620 4.530 3.840
Dividend per Share - - - - - - - - - - - - - -
Announcement Date 11/4/21 2/10/22 5/5/22 8/18/22 11/3/22 2/9/23 5/3/23 8/17/23 11/1/23 2/7/24 - - - -
1DKK in Million2DKK
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 11.7% 7.4% 12.9% 12.5% 19.7% 16.4% 14% 12.8%
ROA (Net income/ Total Assets) 1.1% 0.7% 1.2% - 1.8% - - -
Assets 1 96,273 105,286 114,000 - 131,889 - - -
Book Value Per Share 2 72.40 78.10 87.00 - 109.0 117.0 123.0 130.0
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 2/6/20 2/11/21 2/10/22 2/9/23 2/7/24 - - -
1DKK in Million2DKK
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Spar Nord Bank A/S

Trading Rating
Investor Rating
ESG Refinitiv
C+
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
1
Last Close Price
122 DKK
Average target price
120 DKK
Spread / Average Target
-1.64%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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