Jyske Bank A/S

Jyske Bank A/S

JYSKF
Jyske Bank A/SUS flagOther OTC
76.50
USD
- -
- -
4.39BMarket 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
114.24
94
107.82
104.74
111.1
103.69
107.64
116.73
130.04
145.41
231.04
223.71
239.65
226.98
Basic EPS, GAAP
25.37
35.07
26.07
33.73
35.71
29.66
30.98
22.07
44.89
57.61
91.88
84.19
89.87
85.08
Free Cash Flow per Basic Share
43.96
183.87
-97.49
-42.88
115.98
-144.97
176.52
153.38
-58.16
898.19
235.18
-564.68
65.25
-590.57
Dividend per Share
- -
- -
- -
5.4
11.71
12.42
- -
- -
- -
- -
7.78
7.92
25.61
25.12
Book Value per Share
239.89
308.69
305.84
324.75
352.06
367.22
409.39
454.32
491.04
570.49
652.17
696.33
757.66
745.45
Tangible Book Value per Share
244.43
311.72
315.42
351.16
393.03
407.29
453.33
502.42
540.88
572.66
661.23
748.98
814.22
775
Basic Weighted Avg Shares
71
88
95
92
88
84
79
73
71
65
64
63
60
61
Sales/Revenue/Turnover
8,136
8,277
10,238
9,677
9,778
8,739
8,479
8,511
9,200
9,470
14,847
14,116
14,437
13,943
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
390
424
456
582
742
557
571
647
604
658
673
598
761
624
Net Income, GAAP
1,807
3,088
2,476
3,116
3,143
2,500
2,440
1,609
3,176
3,752
5,904
5,312
5,414
5,226
Effective Tax Rate (%)
21.43
0.45
22.72
20.23
21.46
20.38
20.75
23.74
21.13
17.67
25.15
25.86
25.4
25.86
Profit Margin (%)
22.21
37.31
24.18
32.2
32.14
28.61
28.78
18.9
34.52
39.62
39.77
37.63
37.5
37.48
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
29,399
253,280
280,722
324,345
345,829
364,040
400,218
418,641
419,317
426,350
445,881
436,593
452,368
440,206
Total Equity
17,479
27,561
30,040
32,514
34,604
34,332
35,710
36,632
38,266
40,624
45,886
50,588
52,312
50,901
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
11.17
13.95
8.81
10.55
10.31
8.07
7.72
4.92
9.36
10.44
14.93
12.38
12.09
11.62

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
62
61
60
Market Capitalization
35,096
33,031
29,830

Working Capital

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
55,010
78,785
52,903
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
5.77%
7.45%
3.41%
Free Cash Flow
-304.72%
-435.86%
-111.03%
Net Income, GAAP
13.46%
32.96%
1.92%
Sales/Revenue/Turnover
4.75%
13.03%
2.27%
Total Cash Common Dividend
- -
- -
208.6%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
3,499
3,534
3,587
3,489
14,116
2025
3,445
3,422
3,934
- -
14,437
2026
3,135
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
20.01
20.96
22.76
- -
84.19
2025
20.43
21.22
- -
- -
89.87
2026
18.06
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
7.78
- -
- -
- -
7.92
2025
25.1
- -
- -
- -
25.61
2026
26.48
- -
- -
- -
- -

Company Description

APIChat
CEO
Lars Stensgaard Morch
Full Time Employees
3,882
Sector
Financial Services
Industry
Banks - Regional
Address
Vestergade 8-16 Silkeborg Denmark 8600
IPO Date
Sep 19, 2014
Business
Jyske Bank A/S operates as Denmark's third-largest universal bank by market share, providing comprehensive retail, private, corporate and business banking services; mortgage lending; leasing solutions; asset management; wealth management advisory; pension products; insurance offerings through partnerships; current and savings accounts; debit and credit cards; consumer, car, overdraft and mortgage loans; trade finance; working capital facilities; and corporate finance support for sectors including manufacturing, retail, agriculture and renewable energy. The bank serves private individuals, small- and medium-sized enterprises, large corporates and public institutions primarily in Denmark through approximately 100 branches nationwide, with a single branch in Hamburg, Germany. Founded in 1967 through the merger of four mid-Jutland banks and headquartered at Vestergade 8-16 in Silkeborg, Denmark, Jyske Bank lists on Nasdaq Copenhagen under ticker JYSKF and reports three main segments: Banking, Mortgage and Leasing. Jyske Bank has pursued growth through strategic acquisitions, including Handelsbanken Danmark in 2022 to expand its customer base, branch network and revenue diversification in private and corporate banking; PFA Bank A/S in 2023 to bolster asset and wealth management capabilities with nationwide client integration completed by early 2024; and the Opendo leasing portfolio by Jyske Finans in September 2024 to enhance equipment financing. The bank completed IT migrations and synergies from these deals ahead of schedule, contributing to a 6% rise in net fee and commission income in 2024 from higher assets under management and corporate lending growth. In late 2024, Jyske Bank unveiled an updated strategy targeting a 10% return on tangible equity, cost/income ratio below 50% and CET1 ratio around 15% by 2028 through cost discipline, digital investments and focus on high-value customer segments; ongoing share repurchase programs include DKK 2.25 billion authorized in 2025 with recent weekly transactions in November and December.

Company News

APIChat
  • Jyske Bank A/S (JYSKY) Q1 2026 Earnings Call Transcript