1. Denmark Stocks

  2. •

    Finance

  3. •

    Major banks
Laan & Spar Bank A/S

Laan & Spar Bank A/S

1,360.00
DKK
+10.00
(+0.74%)
117.08EPS
10.93P/E
4.43BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
230.04
247.03
251.63
283.53
290.56
287.56
255.01
259.33
282.43
313.56
447.02
472.64
465.36
475.27
Basic EPS, GAAP
27.2
37.5
37.47
51.43
63.08
51.37
50.75
44.37
58.57
58.73
136.99
133.77
118.85
117.08
Free Cash Flow per Basic Share
262.47
-54.39
674.35
28.19
212.18
574.13
717.72
-115.14
888.32
703.69
-160.3
704.92
-177.15
655.13
Dividend per Share
6.8
6.99
7.99
7.98
8
9.86
10
10.02
8
10.01
10.01
19.96
20.03
20
Book Value per Share
343.59
366.77
398.94
441.87
497.83
515.4
555.88
599.09
647.9
700.88
827.75
938.23
1,044.25
1,083.94
Tangible Book Value per Share
330.98
352.34
378.4
421.64
477.33
495.85
530.65
566.17
612.98
665.87
796.5
904.46
1,013.13
1,055.3
Basic Weighted Avg Shares
3
3
3
3
3
3
3
3
3
3
3
3
3
3
Sales/Revenue/Turnover
607
668
681
766
784
786
881
895
976
1,084
1,544
1,634
1,611
1,643
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
18
20
15
49
25
28
35
63
75
73
91
71
88
85
Net Income, GAAP
72
101
101
139
170
140
175
153
202
203
473
463
411
405
Effective Tax Rate (%)
26.06
23.29
22.91
21.28
20.81
20.35
20.95
21.59
20.72
19.58
24.68
25.31
23.44
22.01
Profit Margin (%)
11.82
15.18
14.89
18.14
21.71
17.86
19.9
17.11
20.74
18.73
30.64
28.3
25.54
24.64
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
100
100
100
100
100
100
200
200
400
650
900
1,149
1,249
1,249
Total Equity
930
992
1,078
1,193
1,346
1,781
1,918
2,067
2,242
2,422
2,857
3,251
3,610
3,748
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
7.57
9.56
8.93
11.24
12.43
8.45
8.77
6.99
8.25
7.11
13.85
11.34
8.88
8.58
Return on Common Equity (%)
8.12
10.56
9.79
12.23
13.41
8.99
9.48
7.69
9.4
8.71
17.92
15.15
11.99
11.51

Capital Structure

DKK

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
3
3
3
Market Capitalization
4,633
3,941
4,425

Working Capital

DKK

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
14,774
15,309
16,920
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

DKK

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
13.05%
11.86%
11.05%
Free Cash Flow
-100.96%
-336.34%
-125.15%
Net Income, GAAP
20.65%
30.43%
-11.08%
Sales/Revenue/Turnover
9.58%
13.38%
-1.45%
Total Cash Common Dividend
15.82%
21.03%
0.4%

Quarterly Revenue

DKK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
400
402
431
401
1,634
2025
380
425
- -
399
1,611
2026
375
443
- -
- -
- -

Quarterly Earnings Per Share

DKK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
33
33.8
44.3
22.6
133.77
2025
25.7
33.6
- -
22.08
118.85
2026
24.6
36.8
- -
- -
- -

Quarterly Dividends Per Share

DKK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
19.98
- -
- -
- -
19.96
2025
20.01
- -
- -
- -
20.03
2026
20.02
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
John Christiansen
Full Time Employees
633
Sector
Finance
Industry
Major banks
Address
Højbro Plads 9-11 Copenhagen CR Denmark 1200
IPO Date
May 9, 1994
Website
lsb.dk
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Business
Lån & Spar Bank A/S operates as a Denmark-based regional bank focused on retail and business banking services for private individuals, households, and professional customers. The bank provides a comprehensive range of products including savings accounts, budget accounts, student accounts, salary accounts, and payroll accounts; private loans, car loans, caravan and motorcycle loans, housing loans, mortgage loans, energy loans or green loans, business loans, and consumer loans; debit cards, credit cards; investment certificates, bonds, and securities investment services; pension products and retirement savings; private insurance, life insurance, health insurance, property insurance, and other insurance products; as well as internet banking, mobile banking, payment services, and personal financial advisory services. Founded in 1880 and headquartered at Højbro Plads 9-11 in Copenhagen, Denmark, the bank maintains approximately 24 advisory centers across Denmark and employs around 500 to 600 staff, serving primarily union members and affiliated customers with tailored benefits such as high-interest salary accounts and preferential loan terms through its unique ownership by over 50 professional organizations and trade unions. It operates a wholly owned subsidiary, Invest Administration A/S, and conducts limited activities in Sweden via a joint venture. In recent developments, the bank underwent a Finanstilsynet inspection in May 2025 focused on anti-money laundering compliance, alongside reporting solid financial results including Q3 2025 earnings and 2024 net interest and fee income of DKK 1,524.5 million, while achieving high customer satisfaction with 85% of clients willing to choose it again per the 2025 BrancheIndex Bank survey.