AL Sydbank A/S

AL Sydbank A/S

688.75
DKK
-15.25
(-2.17%)
49.09BMarket Cap
Nov 05Next Earn
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
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
- -
Basic EPS, GAAP
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
- -
Free Cash Flow per Basic Share
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
- -
Dividend per Share
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
28.07
Book Value per Share
139.68
154.2
160.19
169.16
178.26
191.48
197.73
210.32
225.57
246.78
287.8
306.29
438.33
430.53
Tangible Book Value per Share
134.84
149.64
155.65
164.8
174.06
187.23
193.7
202.81
218.64
240.34
281.77
298.1
331.94
323.65
Basic Weighted Avg Shares
73
73
73
70
68
65
60
59
59
58
55
53
52
77
Sales/Revenue/Turnover
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
- -
Operating Margin (%)
3.67
28.16
33.02
40.75
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
99
96
97
115
122
97
113
109
138
115
101
111
122
- -
Net Income, GAAP
187
1,052
1,148
1,472
1,531
1,161
853
799
1,411
1,901
3,342
2,762
1,893
- -
Effective Tax Rate (%)
- -
20.84
22.06
21.24
21.73
18.24
21.09
21.74
20.01
20.96
21.93
24.22
23.48
- -
Profit Margin (%)
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
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
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
29,065
Total Equity
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
36,563
Return on Invested Capital (%)
- -
6.02
6.81
8.43
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
6.02
6.81
8.44
8.72
6.68
4.45
3.55
5.39
6.7
11.86
9.67
4.13
- -
Return on Common Equity (%)
1.85
9.76
10.1
12.7
12.93
9.84
7.29
6.6
11.01
14.02
22.54
17.56
7.1
- -

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
86
85
85
Market Capitalization
48,728
44,164
49,087

Working Capital

DKK

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
30,560
32,527
45,644
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
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

DKK

•

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
3,256
- -
- -
- -

Quarterly Earnings Per Share

DKK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
15.73
14.16
14.5
7.29
51.83
2025
12.54
11.19
- -
-0.23
36.19
2026
9.31
11.27
- -
- -
- -

Quarterly Dividends Per Share

DKK

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
30.8
- -
- -
- -
31.53
2025
27.17
- -
- -
-0.01
26.58
2026
25.18
- -
- -
- -
- -

Company Description

CEO
Mark Alexander Luscombe
Full Time Employees
4,180
Sector
Finance
Industry
Major banks
Address
Peberlyk 4 Aabenraa SD Denmark 6200
IPO Date
Aug 22, 1990
Website
sydbank.dk
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.

Company News

  • Transactions with shares in AL Sydbank by managers and closely associated persons

  • Transactions with shares in AL Sydbank by managers and closely associated persons