AL Sydbank A/S

AL Sydbank A/S

ALSYDB.CO
AL Sydbank A/SDK flagNASDAQ Copenhagen
604.00
DKK
-4.50
- -
51.31BMarket Cap
AL Sydbank A/S
ALSYDB.CO
(NASDAQ Copenhagen)

Recent

price

604.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
65.7
57.87
67.65
63.55
64.37
61.53
65.15
67.32
62.94
63.82
66.35
80.25
93.68
136.18
141.64
143.61
138.42
Revenue per Share
5.59
2.57
6.39
2.55
14.35
15.83
20.91
22.39
17.91
14.12
13.53
23.84
33.03
61.23
51.83
36.19
45.13
Basic EPS, GAAP
-89.54
90.88
25.42
3.9
5.27
33.59
47.16
44.51
16.69
-84.12
-1.34
-58.19
74.72
32.57
-18.84
122.98
155.18
Free Cash Flow per Basic Share
- -
1.15
0.1
0.1
0.05
7.3
11.41
10.75
11.8
9.65
0.12
9.87
12.35
17.57
31.53
26.58
26.72
Dividend per Share
121.24
123.45
130.07
132.52
139.82
139.27
149.04
155.43
151.19
166.64
185.2
188.23
202.52
232.64
242.7
614.17
261.67
Book Value per Share
129.81
130.83
136.43
134.61
149.73
153.14
162.72
170.34
176.25
190.74
204.3
216.38
236.61
282.49
288.3
545.3
297.81
Tangible Book Value per Share
74
73
73
73
73
73
70
68
65
60
59
59
58
55
53
52
52
Basic Weighted Avg Shares
4,829
4,239
4,942
4,665
4,719
4,461
4,586
4,602
4,079
3,856
3,917
4,750
5,391
7,433
7,548
7,511
7,205
Sales/Revenue/Turnover
11.56
- -
12.63
3.67
28.16
33.02
40.75
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
153
122
108
99
96
97
115
122
97
113
109
138
115
101
111
122
110
Depreciation Expense
411
188
467
187
1,052
1,148
1,472
1,531
1,161
853
799
1,411
1,901
3,342
2,762
1,893
2,349
Net Income, GAAP
26.34
37.54
25.16
- -
20.84
22.06
21.24
21.73
18.24
21.09
21.74
20.01
20.96
21.93
24.22
23.48
24.32
Effective Tax Rate (%)
8.51
4.44
9.45
4.01
22.29
25.73
32.1
33.27
28.46
22.12
20.4
29.71
35.26
44.96
36.59
25.2
32.6
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
13,571
9,625
5,373
8,259
5,126
5,857
5,838
5,576
5,567
9,300
11,420
15,171
14,357
12,279
13,317
24,939
13,335
LT Debt
9,554
9,595
10,033
10,237
11,311
11,427
11,757
11,926
11,682
11,764
12,506
13,212
13,981
15,748
15,784
37,647
15,905
Total Equity
2.32
- -
2.7
- -
6.02
6.81
8.43
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
4.71
2.09
5.04
1.94
10.53
11.28
14.3
14.5
11.37
8.59
7.61
12.78
16.68
27.45
21.55
8.4
17.05
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
51
51
50
Market Capitalization
- -
- -
- -

Working Capital

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
14,139
17,052
15,374
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
17.21%
32.57%
138.51%
Free Cash Flow
237.42%
615.78%
-740.64%
Net Income, GAAP
11.35%
27.66%
-31.46%
Sales/Revenue/Turnover
6.16%
14.74%
-0.49%
Total Cash Common Dividend
828.22%
1,671.48%
-17.26%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1,963
1,865
1,899
1,821
7,548
2025
1,776
1,709
2,256
- -
7,511
2026
2,918
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
15.73
- -
14.5
- -
51.83
2025
12.54
- -
- -
- -
36.19
2026
9.31
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
30.8
- -
- -
- -
31.53
2025
27.17
- -
- -
- -
26.58
2026
25.18
- -
- -
- -
- -
Business
AL Sydbank A/S is a Danish financial services group providing retail, corporate and institutional banking with related asset management and market services, operating primarily in Denmark and Northern Germany, and headquartered in Aabenraa, Denmark, with founding year 1961. Main products and services - Banking and lending: retail banking, mortgage lending, corporate and SME financing, cash management, payments, and credit facilities; deposit-taking and savings products; transaction banking services for businesses. - Asset management: discretionary and advisory investment management for private clients and institutions; mutual funds and bespoke portfolios; wealth structuring and fiduciary services. - Sydbank Markets: advisory and execution services across equities, fixed income, foreign exchange, and derivative products for institutional and professional clients; market-making and liquidity provision where applicable. - Treasury and treasury-related services: liquidity management, interest-rate and currency risk management solutions, financing and hedging instruments. - International banking and trade finance: cross-border payments, letters of credit, guarantees, foreign exchange risk management, and international cash management for exporters, importers, and multinational clients. - Insurance and wealth solutions for retail clients: life, non-life insurance products, pension planning, and investment-linked insurance strategies. - Other: leasing and asset-backed financing for business customers; advisory and corporate finance support, including funding strategies and capital market access. Latest major company changes - Strategic partnerships and alliances: expands collaboration with technology and IT service providers to upgrade digital banking platforms and core banking capabilities across Denmark and Germany; strengthens cross-border payments and liquidity management for corporate clients. - Funding and capital structure: engages in targeted refinancing initiatives and capital optimization measures to support balance sheet expansion and risk management in volatile markets. - Product and service launches: launches enhanced digital onboarding and customer experience improvements; expands digital asset and advisory offerings for high-net-worth individuals and institutional clients. - Corporate restructuring and growth: continues geographic expansion within Northern Germany and selective regional branch network optimization in Denmark to improve footprint efficiency and service coverage. - Operational changes: introduces updated risk, compliance and governance frameworks aligned with evolving regulatory expectations; accelerates modernization of IT infrastructure and data analytics capabilities. Additional context - Industry and segments: commercial banking; retail banking; asset management; market services; corporate and investment advisory. - Target markets: individuals, small and mid-sized enterprises, corporate clients, and institutional investors primarily in Denmark, with exposure to Northern Germany. - Geographic operations: headquarters in Denmark; Denmark-wide branch network (and a limited footprint in Germany); regional operations and client coverage across Denmark and northern Germany. - Founding year and headquarters: founded in 1961; headquartered in Aabenraa, Denmark (operating primarily from Denmark with German exposure). - Subsidiaries and parent relationships: operates as a group with wholly or majority-owned subsidiaries handling specific segments (retail banking, corporate banking, asset management, and market services) under the AL Sydbank umbrella.