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    Banks - Regional
Lån & Spar Bank A/S

Lån & Spar Bank A/S

LASP.CO
Lån & Spar Bank A/SDK flagNASDAQ Copenhagen
1,290.00
DKK
-15.00
- -
4.46BMarket Cap
Lån & Spar Bank A/S
LASP.CO
(NASDAQ Copenhagen)

Recent

price

1,290.00

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
193.63
205.01
231.8
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
472.83
Revenue per Share
17.47
15.92
30.33
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
126.21
Basic EPS, GAAP
25.85
-108.21
332.02
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
1,036.57
Free Cash Flow per Basic Share
- -
4.91
4.99
6.8
6.99
7.99
7.98
8
9.86
10
10.02
8
10.01
10.01
19.96
20.03
20.01
Dividend per Share
268.12
280.08
300.54
327.86
345.3
373.78
417.23
470.12
621.71
531.79
568.82
616.44
665.07
782.18
896.64
991.66
954.48
Book Value per Share
285.01
295.24
314.72
339.66
352.3
378.22
421.44
478.01
626.41
530.15
565.8
613.49
665.49
796.25
906.28
1,012.04
948.92
Tangible Book Value per Share
2
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
Basic Weighted Avg Shares
484
522
597
607
668
681
766
784
786
881
895
976
1,084
1,544
1,634
1,611
1,637
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
14
15
17
18
20
15
49
25
28
35
63
75
73
91
71
88
82
Depreciation Expense
44
41
78
72
101
101
139
170
140
175
153
202
203
473
463
411
437
Net Income, GAAP
26.31
25.42
24.32
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
24.98
Effective Tax Rate (%)
9.02
7.77
13.08
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
26.69
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
75
75
28
100
100
100
100
100
100
200
200
400
650
900
1,149
1,249
1,149
LT Debt
731
774
838
930
992
1,078
1,193
1,346
1,781
1,918
2,067
2,242
2,422
2,857
3,251
3,610
3,393
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
6.69
5.86
10.5
8.76
11.28
10.42
13
14.21
9.46
9.91
8.06
9.89
9.17
18.92
15.95
12.59
14.01
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
3
3
3
Market Capitalization
2,386
2,683
2,857

Working Capital

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
15,512
16,269
18,122
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
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

FRC

•

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
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

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

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

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