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
 08:29:42 02/05/2024 pm IST 		5-day change 1st Jan Change
127.8 DKK +2.90% Intraday chart for Spar Nord Bank A/S +0.63% +19.89%
02/05 Spar Nord Bank A/S Reports Earnings Results for the First Quarter Ended March 31, 2024 CI
19/03 Spar Nord Bank A/S Elects Mette Kaagaard (Birkerød) as New Board Member CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 7,953 7,351 10,275 12,847 12,546 14,881 - -
Enterprise Value (EV) 1 7,953 7,351 10,275 12,847 12,546 14,881 14,881 14,881
P/E ratio 7.89 x 10.7 x 7.89 x 9.5 x 5.36 x 6.88 x 7.75 x 8.12 x
Yield 5.41% 2.51% 5.98% 4.23% 9.38% 7.12% 6.57% 6.1%
Capitalization / Revenue 2.38 x 2.21 x 2.69 x 3.1 x 2.22 x 2.61 x 2.73 x 2.8 x
EV / Revenue 2.38 x 2.21 x 2.69 x 3.1 x 2.22 x 2.61 x 2.73 x 2.8 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 0.89 x 0.77 x 0.96 x - 0.98 x 1.1 x 1.04 x 0.99 x
Nbr of stocks (in thousands) 1,22,916 1,22,927 1,22,911 1,20,742 1,17,689 1,16,438 - -
Reference price 2 64.70 59.80 83.60 106.4 106.6 127.8 127.8 127.8
Announcement Date 06/02/20 11/02/21 10/02/22 09/02/23 07/02/24 - - -
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 5,701 5,457 5,316
EBITDA - - - - - - - -
EBIT 1 1,324 1,227 1,581 1,808 3,108 2,995 2,696 2,477
Operating Margin 39.66% 36.89% 41.41% 43.62% 54.93% 52.53% 49.4% 46.6%
Earnings before Tax (EBT) 1 1,302 918 1,701 1,730 3,141 2,923 2,453 2,227
Net income 1 1,059 737 1,368 1,370 2,374 2,147 1,827 1,657
Net margin 31.73% 22.16% 35.83% 33.05% 41.96% 37.66% 33.48% 31.17%
EPS 2 8.200 5.600 10.60 11.20 19.90 18.57 16.50 15.73
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 9.100 8.400 7.800
Announcement Date 06/02/20 11/02/21 10/02/22 09/02/23 07/02/24 - - -
1DKK in Million2DKK
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q2 2024 Q3 2024 Q4
Net sales 1 977 915 868 1,021 1,342 1,357 1,414 1,486 1,400 1,429 1,390 1,382
EBITDA - - - - - - - - - - - -
EBIT 1 407 322 284 470 732 729 790 879 709 750 754 659
Operating Margin 41.66% 35.19% 32.72% 46.03% 54.55% 53.72% 55.87% 59.15% 50.64% 52.48% 54.24% 47.68%
Earnings before Tax (EBT) 1 412 329 279 447 675 727 795 904 714 740 729 622
Net income 1 334 276 231 350 536 557 621 693 550 544 535 455
Net margin 34.19% 30.16% 26.61% 34.28% 39.94% 41.05% 43.92% 46.64% 39.29% 38.07% 38.49% 32.92%
EPS 2 2.600 2.200 1.700 2.900 4.400 4.500 5.100 5.700 4.500 4.620 4.550 3.860
Dividend per Share - - - - - - - - - - - -
Announcement Date 10/02/22 05/05/22 18/08/22 03/11/22 09/02/23 03/05/23 17/08/23 01/11/23 07/02/24 - - -
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% 16.5% 13.8% 12.5%
ROA (Net income/ Total Assets) 1.1% 0.7% 1.2% - 1.8% - - -
Assets 1 96,273 1,05,286 1,14,000 - 1,31,889 - - -
Book Value Per Share 2 72.40 78.10 87.00 - 109.0 117.0 123.0 129.0
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 06/02/20 11/02/21 10/02/22 09/02/23 07/02/24 - - -
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
127.8 DKK
Average target price
125 DKK
Spread / Average Target
-2.19%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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