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  2. •

    Financial Services

  3. •

    Banks - Regional
Kreditbanken A/S

Kreditbanken A/S

KRE.CO
Kreditbanken A/SDK flagNASDAQ Copenhagen
8,400.00
DKK
- -
- -
1.41BMarket Cap
Kreditbanken A/S
KRE.CO
(NASDAQ Copenhagen)

Recent

price

8,400.00

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
- -
785.37
839.03
812.44
840.42
864.35
977.71
1,019.22
1,172.02
1,128.07
1,120.54
1,249.88
1,168.59
2,091.47
2,164.61
2,197.85
2,212.71
Revenue per Share
- -
59.6
62.6
70.4
128.2
134.9
200.1
358.8
472.3
507.3
354.6
549.9
258.5
873.3
827.9
920.9
850.12
Basic EPS, GAAP
- -
-33.24
175.59
-34.5
213.84
786.09
-1,166.58
22.86
27.24
- -
- -
- -
- -
- -
- -
- -
- -
Free Cash Flow per Basic Share
- -
19.99
20.01
19.99
19.99
25
26.49
25
30
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
- -
2,153.21
2,207.78
2,256.06
2,363.16
2,388.06
2,707.51
3,036.09
3,342.09
3,798.86
4,103.24
4,603.5
4,812.57
5,585.64
6,260.2
6,934.4
6,742.17
Book Value per Share
- -
2,192.94
2,248.78
2,298.32
2,408.93
2,435.14
2,754.03
3,087.61
3,387.45
3,864.21
4,168.58
4,668.85
4,874.12
5,697.18
6,421.75
7,195.96
6,753.71
Tangible Book Value per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Basic Weighted Avg Shares
147
140
149
145
150
154
164
171
197
190
188
210
197
352
364
370
372
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1
2
1
1
2
2
2
2
3
1
6
2
10
2
2
2
2
Depreciation Expense
14
11
11
13
23
24
34
60
79
85
60
92
43
147
139
155
143
Net Income, GAAP
24.49
25.45
26.52
20.88
17.85
21.71
22.14
20.14
14.8
18.95
21
20.71
21.27
23.09
24.55
23.38
26.05
Effective Tax Rate (%)
9.35
7.59
7.46
8.67
15.25
15.61
20.47
35.2
40.3
44.97
31.65
44
22.12
41.76
38.25
41.9
38.42
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
2
287
245
196
208
212
49
48
32
22
27
- -
- -
- -
- -
- -
- -
LT Debt
383
391
401
410
429
434
463
519
570
650
701
785
820
958
1,080
1,210
1,136
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
3.68
2.79
2.87
3.16
5.55
5.68
7.64
12.49
14.81
14.21
8.98
12.63
5.49
16.8
13.98
13.96
13.3
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
- -
- -
- -
Market Capitalization
866
1,127
1,127

Working Capital

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,316
991
1,359
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
10.86%
11.61%
12.06%
Free Cash Flow
- -
- -
- -
Net Income, GAAP
37.42%
49.19%
11.23%
Sales/Revenue/Turnover
11.06%
17.81%
1.54%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
87
88
98
91
364
2025
94
89
93
- -
370
2026
91
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
244.6
- -
- -
- -
827.9
2025
224.9
- -
- -
- -
920.9
2026
192.9
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
Kreditbanken A/S (Ticker: KRE.CO) operates as a regional commercial bank in Denmark, providing a range of banking and financial services to private individuals, small and medium-sized enterprises, and local businesses. The bank offers core products and services including savings accounts, current accounts, and term deposits; consumer loans, mortgage loans, and business financing; payment services such as mobile banking apps, online platforms, and card issuance; investment products like mutual funds and pension schemes; as well as insurance brokerage for life, property, and liability coverage. Headquartered in Copenhagen, Denmark, the bank was founded in 1970 and primarily serves customers in the Greater Copenhagen area and surrounding regions, with a network of branches and digital channels across Denmark. Kreditbanken A/S maintains a focus on sustainable banking practices, targeting local markets with tailored solutions for retail and corporate clients in the Danish financial services sector. No major acquisitions, funding rounds, partnerships, or strategic shifts have been publicly reported for the bank in the last 1-2 years as of late 2025. The bank continues to emphasize digital transformation and customer-centric services without significant operational changes or new product launches noted recently.