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Overview
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Spar Nord Bank A/S stock

SPNO.CO
DK0060036564
A0HDE3

Price

208.50
Today +/-
+0
Today %
+0 %

Spar Nord Bank A/S stock price

%
Weekly
Details

Price

ⓘ

Overview

The Quote Chart provides detailed and dynamic insights into the Spar Nord Bank A/S stock's performance, showcasing daily, weekly, or monthly aggregated quotes. Users can switch between different time frames to analyze the stock's progression meticulously and make informed investment decisions.

Intraday Feature

The intraday feature provides real-time data, allowing investors to view the Spar Nord Bank A/S stock’s price fluctuations within the trading day, facilitating timely and strategic investment decisions.

Total Return and Relative Price Change

View the total return of the Spar Nord Bank A/S stock to gauge its profitability over time. The relative price change, based on the first quote available in the selected timeframe, offers insights into the stock’s performance, assisting in evaluating its investment potential.

Interpretation and Investment

Utilize the comprehensive data presented in the Quote Chart to analyze Spar Nord Bank A/S's market trends, price movements, and potential returns. Make informed investment choices by comparing different time frames and evaluating intraday data for optimized portfolio management.

Spar Nord Bank A/S Stock Price History

DateSpar Nord Bank A/S Price
3/28/2025208.50 undefined
3/27/2025208.50 undefined
3/26/2025208.50 undefined
3/25/2025209.00 undefined
3/24/2025209.00 undefined
3/21/2025211.50 undefined
3/20/2025209.00 undefined
3/19/2025209.00 undefined
3/18/2025208.50 undefined
3/17/2025208.50 undefined
3/14/2025209.00 undefined
3/13/2025208.50 undefined
3/12/2025208.50 undefined
3/11/2025208.50 undefined
3/10/2025208.50 undefined
3/7/2025209.00 undefined
3/6/2025208.50 undefined
3/5/2025209.00 undefined
3/4/2025207.50 undefined
3/3/2025208.50 undefined

Spar Nord Bank A/S Revenue, EBIT, Net Income

  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Revenue
Net Income
Details

Revenue, EBIT and Profit

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Understanding Revenue, EBIT, and Income

Gain insights into Spar Nord Bank A/S, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by Spar Nord Bank A/S from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects Spar Nord Bank A/S’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of Spar Nord Bank A/S. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into Spar Nord Bank A/S’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing Spar Nord Bank A/S’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on Spar Nord Bank A/S’s growth potential.

Spar Nord Bank A/S Revenue, EBIT and net profit per share

DateSpar Nord Bank A/S RevenueSpar Nord Bank A/S Net Income
2026e5.57 B undefined2.04 B undefined
2025e5.47 B undefined1.96 B undefined
20247.68 B undefined2.18 B undefined
20236.95 B undefined2.37 B undefined
20224.54 B undefined1.37 B undefined
20214.19 B undefined1.31 B undefined
20203.65 B undefined688 M undefined
20193.64 B undefined1.01 B undefined
20183.47 B undefined871 M undefined
20173.43 B undefined940 M undefined
20163.48 B undefined812.1 M undefined
20153.68 B undefined883.3 M undefined
20143.85 B undefined613.6 M undefined
20134 B undefined536.1 M undefined
20123.03 B undefined223.8 M undefined
20112.81 B undefined274.8 M undefined
20102.89 B undefined105 M undefined
20093.76 B undefined117.5 M undefined
20084.06 B undefined95.3 M undefined
20073.7 B undefined680.3 M undefined
20063.04 B undefined828.6 M undefined
20052.28 B undefined479.3 M undefined

Spar Nord Bank A/S Income Statement, Balance Sheet, Cash Flow Statement

  • Simple

  • Expanded

  • Income Statement

  • Balance Sheet

  • Cashflow

 
REVENUE (B)
REVENUE GROWTH (%)
GROSS MARGIN (%)
GROSS INCOME (M)
EBIT (B)
EBIT MARGIN (%)
NET INCOME (B)
NET INCOME GROWTH (%)
DIV. ()
DIV. GROWTH (%)
SHARES (M)
DOCUMENTS
199619971998199920002001200220032004200520062007200820092010201120122013201420152016201720182019202020212022202320242025e2026e
1.641.621.841.792.42.232.032.011.942.283.043.74.063.762.892.813.0343.853.683.483.433.473.643.654.194.546.957.685.475.57
--1.1613.42-2.7734.00-7.17-9.11-0.59-3.5317.5133.0421.819.68-7.35-23.23-2.637.8731.88-3.73-4.24-5.46-1.461.194.690.3014.818.4353.1510.46-28.821.96
-------------------------------
0000000000000000000000000000000
000000000000000000000000000002.662.82
-------------------------------
0.180.180.140.170.260.060.120.240.320.480.830.680.10.120.110.270.220.540.610.880.810.940.871.010.691.311.372.372.181.962.04
-1.71-21.3519.2955.69-77.3196.61103.4536.8648.3072.86-17.87-86.0323.16-10.26160.95-18.61140.3614.3744.05-8.0415.76-7.3415.96-31.8889.974.8273.28-8.38-9.793.98
-------------------------------
-------------------------------
74.178757575757574.973.475.380.780.677.877.779.280.1117.2124.9125.3125.4124.2123123122.9122.9122.9122.82119.19115.9100
-------------------------------
Details

Keystats

ⓘ

Revenue and Growth

The Spar Nord Bank A/S Revenue and Revenue Growth are pivotal to understanding the company's financial health and operational efficiency. A consistent increase in revenue indicates a company’s ability to effectively market and sell its products or services, while the revenue growth percentage offers insights into the pace at which the company is expanding over the years.

Gross Margin

The Gross Margin is a crucial metric that showcases the percentage of revenue exceeding the cost of goods sold (COGS). A higher gross margin is indicative of a company’s efficiency in controlling its production costs, thereby promising potential profitability and financial stability.

EBIT and EBIT Margin

EBIT (Earnings Before Interest and Taxes) and EBIT Margin offer deep insights into a company’s profitability, excluding the impacts of interest and taxes. Investors often assess these metrics to gauge the operational efficiency and inherent profitability of a business, separate from its financial structure and tax environment.

Income and Growth

Net Income and its subsequent growth are quintessential for investors looking to understand a company’s profitability. Consistent income growth underscores a company’s ability to enhance its profitability over time, reflecting operational efficiency, strategic competitiveness, and financial health.

Shares Outstanding

Shares outstanding refer to the total number of shares a company has issued. It's instrumental in calculating key metrics like Earnings Per Share (EPS) which is pivotal for investors to evaluate a company’s profitability on a per-share basis, offering a more granular view of financial health and valuation.

Interpreting Year to Year Comparison

Comparing yearly data allows investors to identify trends, assess the company’s growth, and anticipate potential future performance. Analyzing how metrics like revenue, income, and margins change year over year can provide valuable insights into the company’s operational efficiency, competitiveness, and overall financial health.

Expectations and Predictions

Investors often juxtapose the current and past financial data with the market’s expectations. This comparison aids in assessing whether the Spar Nord Bank A/S is performing as anticipated, underperforming or outperforming the market predictions, providing pivotal data for investment decisions.

 
ASSETS
CASH BALANCE (M)
RECEIVABLES (M)
OTHER REC. (M)
INVENTORIES (M)
OTHER CURRENT LIAB. (M)
CURRENT ASSETS (M)
TANGIBLE ASSETS (B)
LONG-T. INVEST. (B)
LONG-T. REC. (M)
INTANGIBLE ASSETS (M)
GOODWILL (M)
OTHER NON-CURRENT ASSETS (M)
NON-CURRENT ASSETS (B)
TOTAL ASSETS (B)
LIABILITIES
COMMON STOCK (B)
ADDITIONAL PAID-IN CAPITAL (M)
RETAINED EARNINGS (B)
OTHER EQUITY (B)
UNREAL. GAINS/LOSSES (M)
EQUITY (B)
LIABILITIES (B)
PROVISIONS (M)
OTHER SHORT-TERM LIAB. (B)
SHORT-TERM DEBTS (B)
LONG-TERM DEBT PORTION (B)
SHORT-TERM REC. (B)
LONG-T. LIAB. (B)
DEFERRED TAXES (M)
OTHER LIAB. (B)
LONG-T. LIABILITIES (B)
DEBT (B)
TOTAL CAPITAL (B)
19961997199819992000200120022003200420052006200720082009201020112012201320142015201620172018201920202021202220232024
                                                         
00000000000000000000000000000
00000000000000000000000000000
00000000000000000000000000000
00000000000000000000000000000
00000000000000000000000000000
00000000000000000000000000000
0.550.470.450.420.440.460.440.430.510.520.630.720.80.881.121.051.180.270.160.130.090.120.130.770.760.820.810.80.79
0.280.410.430.480.510.540.520.540.590.620.740.890.860.720.750.770.9910.940.080.120.130.330.470.530.660.740.971.09
00000000000000000000000000000
000001322395258173362727607412156362519151250404037
00000042384336000130130105140140159159159159159159159379379379379
000000000000000002219600000020100
0.830.880.890.90.941.0211.011.151.191.421.661.841.762.021.952.371.51.40.430.40.430.641.411.461.912.162.192.3
0.830.880.890.90.941.0211.011.151.191.421.661.841.762.021.952.371.51.40.430.40.430.641.411.461.912.162.192.3
                                                         
000.520.520.520.520.520.520.520.570.570.570.570.570.570.571.261.261.261.261.261.231.231.231.231.231.231.211.18
00000000000000000000000000000
001.031.111.171.171.421.551.852.423.043.523.423.523.743.994.635.195.696.126.426.797.057.588.279.389.9311.4512.11
1.661.66000000000000000000.410.860.860.860.860.791.21.21.21.2
00111100454537463655656292858996919410392100113113119142
1.661.661.551.631.691.691.932.072.413.043.654.144.034.144.384.635.986.537.037.898.638.989.249.7610.3911.9212.4713.9814.63
0000000000000000000001.811.962.632.42.612.842.693.42
000000000000000000000000007900
0000000000.040.0500000.0100000000003.0500
0000000000000000000000.561.522.761.322.191.724.244.01
00000000000000000010.273.682.381.380000.910.010.761.4
0000000000.040.0500000.010010.273.682.383.753.485.43.725.717.77.698.83
0000000000.011.582.183.436.457.818.026.093.31.81.151.141.171.334.094.145.617.9710.319.5
000067619710414610516621424731133439513817012612310913617320194076389
1.221.42.162.052.851.482.241.841.842.323.442.723.95.638.255.216.745.616.515.45.212.072.081.952.083.724.012.942.35
1.221.42.162.052.911.542.341.941.992.435.195.117.5812.3816.3913.6212.979.098.446.686.463.383.586.066.249.3311.9713.3312.24
1.221.42.162.052.911.542.341.941.992.475.245.117.5812.3816.3913.6312.989.0918.710.358.847.137.0611.459.9615.0419.6721.0221.07
2.883.063.713.684.63.234.284.014.45.518.899.2511.616.5220.7618.2618.9515.6225.7418.2417.4716.116.321.2120.3526.9632.143535.7
Details

Balance Sheet

ⓘ

Understanding the Balance Sheet

The balance sheet of Spar Nord Bank A/S provides a detailed financial snapshot, revealing the company's assets, liabilities, and equity at a specific point in time. Analyzing these components is crucial for investors looking to understand Spar Nord Bank A/S's financial health and stability.

Assets

Spar Nord Bank A/S's assets represent everything the company owns or controls that has monetary value. These are categorized into current and non-current assets, offering insights into the company's liquidity and long-term investments.

Liabilities

Liabilities are obligations that Spar Nord Bank A/S must settle in the future. Analyzing the ratio of liabilities to assets provides insights into the company's financial leverage and risk exposure.

Equity

Equity refers to the residual interest in the assets of Spar Nord Bank A/S after deducting liabilities. It represents the owners’ claim on the company’s assets and earnings.

Year-to-Year Analysis

Comparing balance sheet figures year-to-year allows investors to identify trends, growth patterns, and potential financial risks, facilitating informed investment decisions.

Interpreting the Data

Detailed analysis of assets, liabilities, and equity can provide investors with comprehensive insights into Spar Nord Bank A/S's financial standing, aiding in investment evaluations and risk assessments.

 
NET INCOME (B)
DEPRECIATION (M)
DEFERRED TAXES (M)
CHANGES IN WORKING CAPITAL (B)
NON-CASH ITEM (M)
PAID INTEREST (M)
PAID TAXES (M)
NET CASH FLOW FROM OPERATING ACTIVITIES (B)
CAPITAL EXPENDITURES (M)
CASH FLOW FROM INVESTING ACTIVITIES (B)
CASH FLOW FROM OTHER INVESTING ACTIVITIES (B)
INTEREST INCOME AND EXPENSES (M)
NET DEBT CHANGE (B)
NET CHANGE IN EQUITY (M)
CASH FLOW FROM FINANCING ACTIVITIES (B)
CASH FLOW FROM OTHER FINANCING ACTIVITIES (B)
TOTAL DIVIDENDS PAID (M)
NET CHANGE IN CASH FLOW (B)
FREE CASH FLOW (M)
SHARE-BASED COMPENSATION (M)
1996199719981999200020012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023
0.180.180.140.230.370.060.140.310.410.611.030.830.120.140.130.30.250.610.711.071.031.251.091.30.921.71.733.14
3235574950535541508268739611112521515611671659461558481929891
0000000000000000000000000000
-0.07-0.170.04-0.28-0.310.03-0.23-0.080.83-2.352.88-30.43-1.96-1.770.192.97-3.94.68-2.76-0.91-0.41-0.71-2.59-0.97-1.99-1.5-6.83
00-25-32-7-6839-20-5-38-28-121-36113-58-83-34-182-289-172-116-315-267-540-177-457-804-584
0000000000000000000000000000
000212331-1499125170-33-1234800000000000
0.140.050.21-0.030.110.070.010.261.29-1.693.96-2.210.61-1.59-1.570.623.35-3.365.17-1.790.090.580.17-1.74-0.15-0.66-0.47-4.18
-32-31-41-9-70-95-23-28-93-52-174-157-333-198-346-125-113-25-59-56-79-95-116-60-47-358-55-44
2.51-1.550.080.02-0.17-0.09-00.06-0.1-0.08-0.27-0.26-0.3-0.02-0.22-0.12-0.070.29-2.340.86-0.590-0.11-0.07-0.06-0.39-0.04-0.11
2.55-1.520.120.03-0.100.020.09-0.01-0.03-0.09-0.10.030.170.130.010.050.31-2.280.92-0.510.10.01-0.01-0.01-0.030.02-0.07
0000000000000000000000000000
0.810.730000000000000000.44-1.29-0.6200.050.172.6-0.032.351.663.11
0000000000000000913042-1453-1-322-194-328
2.37-1.6-0.330.22-0.120.11-0.040.02-0.090.82-0.40.15-0.281.03-0.2-0.160.120.44-1.41-0.67-0.1-0.61-0.312.12-0.152.50.812.2
1.57-2.33-0.160.350.030.260.020.070.010.97-0.240.31-0.121.03-0.2-0.16-0.79000.40.42-0.05-0.05-0.05-0.120.34-0.05-0.05
00-165-129-155-155-51-51-103-155-168-167-16500000-125-451-374-615-430-4300-184-615-540
5.03-3.1-0.040.21-0.180.09-0.030.341.09-0.963.28-2.330.03-0.59-1.990.343.4-2.641.42-1.61-0.59-0.03-0.240.31-0.361.460.3-2.1
109.317.6169-35.937.6-26.5-13.8228.11,193.1-1,747.13,781.8-2,372.1278.3-1,791-1,918.6496.73,235.6-3,388.95,107.5-1,847.913.348856-1,802-196-1,016-528-4,223
0000000000000000000000000000

Spar Nord Bank A/S stock margins

The Spar Nord Bank A/S margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Spar Nord Bank A/S. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Spar Nord Bank A/S.

  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Profit margin
Details

Margin

ⓘ

Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the Spar Nord Bank A/S's sales revenue. A higher gross margin percentage indicates that the Spar Nord Bank A/S retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the Spar Nord Bank A/S's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the Spar Nord Bank A/S's total revenue generated. When comparing the revenue margin year over year, investors can gauge the Spar Nord Bank A/S's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the Spar Nord Bank A/S. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the Spar Nord Bank A/S's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

Spar Nord Bank A/S Margin History

DateSpar Nord Bank A/S Profit margin
2026e36.61 %
2025e35.9 %
202428.32 %
202334.14 %
202230.18 %
202131.22 %
202018.86 %
201927.78 %
201825.08 %
201727.39 %
201623.31 %
201523.97 %
201415.95 %
201313.41 %
20127.38 %
20119.78 %
20103.64 %
20093.13 %
20082.35 %
200718.4 %
200627.29 %
200521 %

Spar Nord Bank A/S Stock Sales Revenue, EBIT, Earnings per Share

The Spar Nord Bank A/S earnings per share therefore indicates how much revenue Spar Nord Bank A/S has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Sales per Share
Earnings per Share
Details

Revenue, EBIT and Earnings per share

ⓘ

Revenue Per Share

Revenue per share represents the total revenue Spar Nord Bank A/S earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Spar Nord Bank A/S's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Spar Nord Bank A/S’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Spar Nord Bank A/S's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Spar Nord Bank A/S Revenue, EBIT and net profit per share

DateSpar Nord Bank A/S Sales per ShareSpar Nord Bank A/S Earnings per Share
2026e47.36 undefined17.34 undefined
2025e46.45 undefined16.68 undefined
202466.26 undefined18.76 undefined
202358.34 undefined19.92 undefined
202236.96 undefined11.15 undefined
202134.07 undefined10.63 undefined
202029.67 undefined5.6 undefined
201929.59 undefined8.22 undefined
201828.24 undefined7.08 undefined
201727.9 undefined7.64 undefined
201628.05 undefined6.54 undefined
201529.38 undefined7.04 undefined
201430.71 undefined4.9 undefined
201332 undefined4.29 undefined
201225.86 undefined1.91 undefined
201135.07 undefined3.43 undefined
201036.44 undefined1.33 undefined
200948.38 undefined1.51 undefined
200852.13 undefined1.22 undefined
200745.88 undefined8.44 undefined
200637.62 undefined10.27 undefined
200530.31 undefined6.37 undefined

Spar Nord Bank A/S business model

The Spar Nord Bank A/S is a Danish bank that specializes in offering financial services to private customers as well as small and medium-sized businesses. The bank was founded in 1824 when the first savings and loan association was opened in Aalborg. Over the years, it has grown into a significant financial institution in Denmark. Today, the Spar Nord Bank A/S operates more than 80 branches in Denmark and employs around 1,200 staff members. As a universal bank, it offers a wide range of financial services, including accounts, credit cards, savings and investment products, as well as loans and mortgages. The bank is particularly active in the field of mortgage financing and has earned an excellent reputation in this area. A key aspect of the Spar Nord Bank A/S business model is its close collaboration with its customers. From branches to online banking and mobile app, the bank provides a variety of communication channels to interact with customers and address their needs. Personalized service by qualified employees is a priority. The Spar Nord Bank A/S is divided into several business areas to effectively serve its customers. Besides retail banking, it also focuses on serving small and medium-sized businesses, as well as providing wealth management services to affluent private clients. The bank offers services such as asset management, investment advice, and estate planning. The product range of the Spar Nord Bank A/S includes a wide range of financial services for private customers and businesses. This includes current accounts, savings accounts, and money market accounts, as well as credit cards, securities accounts, and online trading platforms for stocks and other securities. The bank is also active in lending and offers attractive interest rates and flexible repayment options to its customers. Additionally, the Spar Nord Bank A/S offers various savings products that allow private customers to effectively invest their money and achieve returns. These include fixed-term deposits, savings certificates, investment funds, and ETFs. For businesses, the bank provides expertise and advice in business financing and commercial loans. In summary, the Spar Nord Bank A/S is a traditional financial institution with a wide range of products and services for private customers and businesses. The bank values close collaboration with customers and personalized service by qualified employees. With its diverse offering and years of experience, the Spar Nord Bank A/S is a trusted choice for those who want to invest their wealth effectively and keep their finances in order. Spar Nord Bank A/S is one of the most popular companies on Eulerpool.com.

Spar Nord Bank A/S SWOT Analysis

Strengths

1. Strong customer base: Spar Nord Bank A/S has a loyal customer base, which provides stability and recurring revenue.

2. Robust financial position: The bank has a strong balance sheet and financial reserves, enabling it to weather economic downturns.

3. Diversified product portfolio: Spar Nord Bank A/S offers a wide range of financial products and services, attracting a larger customer segment.

Weaknesses

1. Limited geographic presence: The bank predominantly operates in a particular region, thus missing potential customers in other areas.

2. Relatively small market share: Compared to larger competitors, Spar Nord Bank A/S holds a smaller market share, limiting its influence.

3. Dependence on traditional banking: The bank may face challenges in adapting to the growing digital banking trends.

Opportunities

1. Expansion into new markets: Spar Nord Bank A/S can explore opportunities to expand its operations beyond its current region.

2. Digital transformation: Investing in digital banking technologies can help the bank enhance customer experience and reach a wider audience.

3. Collaborations and partnerships: Forming strategic alliances with fintech companies or other financial institutions can create new growth avenues.

Threats

1. Intense competition: The banking industry is highly competitive, and Spar Nord Bank A/S faces competition from both traditional and online banks.

2. Economic downturns: Any economic recession or financial crisis can impact the bank's profitability and loan portfolio quality.

3. Regulatory changes: Changes in banking regulations can pose compliance challenges and increase operational costs for Spar Nord Bank A/S.

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Spar Nord Bank A/S Eulerpool Fair Value

Details

Fair Value

ⓘ

Understanding Fair Value

The fair value of a stock provides insights into whether the stock is currently undervalued or overvalued. It is calculated based on profit, revenue, or dividends and offers a comprehensive perspective of the stock’s intrinsic value.

Income-Based Fair Value

This is calculated by multiplying the earnings per share by the average P/E ratio of the selected past years for smoothing. If the fair value is higher than the current market price, it suggests that the stock is undervalued.

Example 2022

Fair Value Profit 2022 = Earnings per Share 2022 / Average P/E Ratio 2019 - 2021 (3 Years Smoothing)

Revenue-Based Fair Value

It is derived by multiplying the revenue per share by the average price-to-sales ratio of the selected past years for smoothing. An undervalued stock is identified if the fair value exceeds the ongoing market price.

Example 2022

Fair Value Revenue 2022 = Revenue per Share 2022 / Average PSR 2019 - 2021 (3 Years Smoothing)

Dividend-Based Fair Value

This value is determined by dividing the dividend per share by the average dividend yield of the selected past years for smoothing. A higher fair value than the market price indicates an undervalued stock.

Example 2022

Fair Value Dividend 2022 = Dividend per Share 2022 * Average Dividend Yield 2019 - 2021 (3 Years Smoothing)

Expectations and Forecasts

Future expectations provide potential trajectories for stock prices and aid investors in decision-making. The expected values are forecasted figures of fair value, taking into account the growth or decline trends of profit, revenue, or dividend.

Comparative Analysis

Comparing the fair value based on profit, revenue, and dividend provides a holistic overview of the stock’s financial health. Observing the annual and per-annual variations contributes to understanding the consistency and reliability of stock performance.

Spar Nord Bank A/S historical P/E ratio, EBIT multiple, and P/S ratio

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Spar Nord Bank A/S shares outstanding

The number of shares was Spar Nord Bank A/S in 2024 — This indicates how many shares 115.914 M is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

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Number of stocks
Details

Revenue, EBIT and Earnings per share

ⓘ

Revenue Per Share

Revenue per share represents the total revenue Spar Nord Bank A/S earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Spar Nord Bank A/S's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Spar Nord Bank A/S’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Spar Nord Bank A/S's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Spar Nord Bank A/S stock splits

In Spar Nord Bank A/S's history, there have been no stock splits.

Spar Nord Bank A/S dividend history and estimates

In 2024, Spar Nord Bank A/S paid a dividend amounting to 10 DKK. Dividend means that Spar Nord Bank A/S distributes a portion of its profits to its owners.

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Dividend
Dividend (Estimate)
Details

Dividend

ⓘ

Dividend Overview

The dividend per year chart for Spar Nord Bank A/S provides a comprehensive view of the annual dividends distributed to shareholders. Analyze the trend to understand the consistency and growth in dividend payouts over the years.

Interpretation and Use

A consistent or increasing trend in dividends can indicate the company's profitability and financial health. Investors can use this data to identify Spar Nord Bank A/S’s potential for long-term investment and income generation through dividends.

Investment Strategy

Incorporate the dividend data in evaluating Spar Nord Bank A/S's overall performance. A thorough analysis, considering other financial aspects, will help in making informed investment decisions for optimal capital growth and income generation.

Spar Nord Bank A/S Dividend History

DateSpar Nord Bank A/S Dividend
2026e10.75 undefined
2025e10.71 undefined
202410 undefined
20234.5 undefined
20225 undefined
20211.5 undefined
20193.5 undefined
20183.5 undefined
20175 undefined
20163 undefined
20152 undefined
20141 undefined
20082.12 undefined
20072.12 undefined
20061 undefined
20051 undefined

Spar Nord Bank A/S dividend payout ratio

In 2024, Spar Nord Bank A/S had a payout ratio of 29.95%. The payout ratio indicates the percentage of the company's profits that Spar Nord Bank A/S distributes as dividends.

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Payout ratio
Details

Payout ratio

ⓘ

What is Yearly Payout Ratio?

The yearly payout ratio for Spar Nord Bank A/S represents the proportion of earnings paid out as dividends to shareholders. It is an indicator of the company's financial health and stability, illustrating how much profit is being returned to investors versus being reinvested back into the company.

How to Interpret the Data

A lower payout ratio for Spar Nord Bank A/S could mean that the company is reinvesting more into its growth, whereas a higher ratio indicates more earnings are being distributed as dividends. Investors seeking regular income might prefer companies with a higher payout ratio, while those looking for growth may opt for companies with a lower ratio.

Using the Data for Investments

Evaluate Spar Nord Bank A/S's payout ratio in conjunction with other financial metrics and performance indicators. A sustainable payout ratio, coupled with strong financial health, can indicate a reliable dividend payout. However, a very high ratio might suggest the company is not sufficiently reinvesting in its future growth.

Spar Nord Bank A/S Payout Ratio History

DateSpar Nord Bank A/S Payout ratio
2026e32.04 %
2025e35.23 %
202429.95 %
202330.93 %
202244.83 %
202114.11 %
202033.84 %
201942.58 %
201849.44 %
201765.36 %
201645.87 %
201528.37 %
201420.41 %
201333.84 %
201233.84 %
201133.84 %
201033.84 %
200933.84 %
2008173.91 %
200725.14 %
20069.74 %
200515.72 %
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Unfortunately, there are currently no price targets and forecasts available for Spar Nord Bank A/S.

Spar Nord Bank A/S latest earnings and earnings surprises

DateEPS EstimateEPS ActualQuarterly report
12/31/20244.16 3.7  (-11.09 %)2024 Q4
9/30/20245.12 4.8  (-6.16 %)2024 Q3
12/31/20234.99 4.5  (-9.78 %)2023 Q4
9/30/20235.4 5.7  (5.64 %)2023 Q3
12/31/20223.15 4.4  (39.6 %)2022 Q4
9/30/20222.5 2.9  (16.05 %)2022 Q3
6/30/20222.1 1.7  (-18.9 %)2022 Q2
3/31/20222.53 2.2  (-13.03 %)2022 Q1
12/31/20212.71 2.5  (-7.74 %)2021 Q4
9/30/20212.73 2.7  (-1.23 %)2021 Q3
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Eulerpool ESG Scorecard© for the Spar Nord Bank A/S stock

Eulerpool World ESG Rating (EESG©)

43/ 100

🌱 Environment

29

👫 Social

78

🏛️ Governance

22

Environment

Scope 1 - Direct Emissions
257
Scope 2 - Indirect emissions from purchased energy
803
Scope 3 - Indirect emissions within the value chain
648,313
Total CO₂ emissions
1,060
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency

Social

Percentage of female employees50
Percentage of women in management
Percentage of Asian employees
Share of Asian management
Percentage of Hispanic/Latino employees
Hispano/Latino Management share
Percentage of Black employees
Black Management Share
Percentage of white employees
White Management Share
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic

Governance (Corporate Governance)

Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

Spar Nord Bank A/S shareholders

%
Name
Stocks
Change
Date
25.05762 % Nykredit Realkredit A/S29,492,8136,483,68712/13/2024
20.26653 % Spar Nord Fonden23,853,7071,3159/12/2024
3.06933 % Fidelity Management & Research Company LLC3,612,600-60,90512/31/2024
1.79366 % The Vanguard Group, Inc.2,111,1373,1491/31/2025
1.66009 % DFA Australia Ltd.1,953,931-17,20610/31/2024
1.41282 % Dimensional Fund Advisors, L.P.1,662,8872,56112/31/2024
1.38218 % Norges Bank Investment Management (NBIM)1,626,823-225,05612/31/2024
0.93647 % BlackRock Institutional Trust Company, N.A.1,102,229-28,0171/31/2025
0.81399 % PensionDanmark A/S958,065-124,5788/31/2023
0.67218 % American Century Investment Management, Inc.791,158-2,40812/31/2024
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3
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5
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Spar Nord Bank A/S Executives and Management Board

Mr. Lasse Nyby

(65)
Spar Nord Bank A/S Chief Executive Officer, Member of the Executive Board
Compensation 6.58 M

Mr. Martin Rasmussen

(47)
Spar Nord Bank A/S Managing Director, Member of the Executive Board
Compensation 5.12 M

Mr. John Lundsgaard

(61)
Spar Nord Bank A/S Managing Director, Member of the Executive Board (since 2000)
Compensation 4.94 M

Mr. Carsten Jakobsen

(55)
Spar Nord Bank A/S Managing Director, Member of the Executive Board
Compensation 4.84 M

Mr. Kjeld Johannesen

(71)
Spar Nord Bank A/S Independent Chairman of the Board (since 2014)
Compensation 1.11 M
1
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3

Most common questions regarding Spar Nord Bank A/S

What values and corporate philosophy does Spar Nord Bank A/S represent?

Spar Nord Bank A/S represents strong values and a clear corporate philosophy. The company is committed to providing high-quality financial solutions, personalized service, and maintaining a strong relationship with their customers. Spar Nord Bank A/S focuses on trust, professionalism, innovation, and a strong local presence. Their philosophy revolves around client satisfaction, financial stability, and delivering sustainable results. By upholding these principles, Spar Nord Bank A/S aims to create long-term value for their stakeholders and contribute to the development of the communities they serve.

In which countries and regions is Spar Nord Bank A/S primarily present?

Spar Nord Bank A/S is primarily present in Denmark.

What significant milestones has the company Spar Nord Bank A/S achieved?

Spar Nord Bank A/S has achieved several significant milestones throughout its history. The company has successfully grown its market presence and expanded its services, catering to a diverse range of customers. Spar Nord Bank A/S has consistently demonstrated strong financial performance, increasing its profits and maintaining a solid capital base. Additionally, the company has expertly navigated challenging economic conditions, showcasing its resilience and adaptability in the financial industry. Spar Nord Bank A/S has also received recognition for its commitment to customer satisfaction, earning various awards and accolades. These milestones highlight Spar Nord Bank A/S as a trusted and successful financial institution.

What is the history and background of the company Spar Nord Bank A/S?

Spar Nord Bank A/S, a leading financial institution based in Denmark, has a rich history and background. Founded in 1824, it has grown to become one of the country's most renowned banks. Throughout the years, Spar Nord Bank A/S has consistently provided comprehensive banking services to individual and corporate clients, including savings accounts, loans, mortgages, investment advisory, and asset management. With a strong focus on customer satisfaction and innovation, the bank has expanded its reach and established a reputation for reliability and financial expertise. Today, Spar Nord Bank A/S continues to serve as a trusted partner in the Danish banking sector, catering to the diverse needs of its customers.

Who are the main competitors of Spar Nord Bank A/S in the market?

The main competitors of Spar Nord Bank A/S in the market are Danske Bank, Jyske Bank, and Sydbank.

In which industries is Spar Nord Bank A/S primarily active?

Spar Nord Bank A/S is primarily active in the banking and financial services industry.

What is the business model of Spar Nord Bank A/S?

The business model of Spar Nord Bank A/S centers around providing financial services to individuals, businesses, and institutions. Spar Nord Bank offers a wide range of banking products and services, including savings and investment accounts, mortgages, loans, insurance, and retirement planning. By focusing on personalized customer service and maintaining long-term client relationships, Spar Nord Bank aims to meet the diverse financial needs of its customers. With its strong presence in Denmark, Spar Nord Bank strives to be a trusted and reliable partner, committed to delivering innovative solutions and contributing to financial stability in the region.

What is the P/E ratio of Spar Nord Bank A/S 2025?

The Spar Nord Bank A/S P/E ratio is 12.31.

What is the P/S ratio of Spar Nord Bank A/S 2025?

The Spar Nord Bank A/S P/S ratio is 4.42.

What is the Quality Investing of Spar Nord Bank A/S?

The Quality Investing for Spar Nord Bank A/S is 5/10.

What is the revenue of Spar Nord Bank A/S 2025?

The expected Spar Nord Bank A/S revenue is 5.47 B DKK.

How high is the profit of Spar Nord Bank A/S 2025?

The expected Spar Nord Bank A/S profit is 1.96 B DKK.

What is the business model of Spar Nord Bank A/S

Spar Nord Bank A/S is a Danish bank headquartered in Aalborg. The bank's business model is based on several pillars, which enable it to offer a wide range of financial services. One important area of the business model is retail banking. Here, Spar Nord Bank A/S offers a variety of products and services tailored to the individual needs of its customers. These include current accounts, savings and investment products, mortgage financing, and credit cards. The bank places particular emphasis on personal advice from its employees. Another important area is corporate banking. Here, Spar Nord Bank A/S offers a broad range of financial services to companies, including accounts, loans, factoring, and leasing. Again, individual and personal advice is emphasized. Spar Nord Bank A/S is also active in asset management. Here, it offers its customers various investment products, including funds, stocks, and bonds. The bank relies on careful market analysis and broad diversification of investment portfolios. In addition to these core areas of the business model, Spar Nord Bank A/S is also involved in other areas. For example, it offers card processing services to other banks and operates in the investment banking sector. To successfully implement its business model, Spar Nord Bank A/S relies on close integration of branch operations and digital offerings. The bank operates over 60 branches in Denmark and an online platform through which customers can digitally carry out various financial services. The business model of Spar Nord Bank A/S is focused on sustainable and long-term business development. The bank adopts a conservative business policy and maintains a stable financing base. The bank's balance sheet is strong and stable, resulting in high creditworthiness and a good rating. Overall, the business model of Spar Nord Bank A/S is designed to meet the diverse needs of its customers and offer a wide range of financial services. The bank emphasizes personal advice, careful market analysis, and a stable financing base.

What is the Spar Nord Bank A/S dividend?

Spar Nord Bank A/S pays a dividend of 5 DKK distributed over payouts per year.

How often does Spar Nord Bank A/S pay dividends?

The dividend cannot currently be calculated for Spar Nord Bank A/S or the company does not pay out a dividend.

What is the Spar Nord Bank A/S ISIN?

The ISIN of Spar Nord Bank A/S is DK0060036564.

What is the Spar Nord Bank A/S WKN?

The WKN of Spar Nord Bank A/S is A0HDE3.

What is the Spar Nord Bank A/S ticker?

The ticker of Spar Nord Bank A/S is SPNO.CO.

How much dividend does Spar Nord Bank A/S pay?

Over the past 12 months, Spar Nord Bank A/S paid a dividend of 10 DKK . This corresponds to a dividend yield of about 4.8 %. For the coming 12 months, Spar Nord Bank A/S is expected to pay a dividend of 10.75 DKK.

What is the dividend yield of Spar Nord Bank A/S?

The current dividend yield of Spar Nord Bank A/S is 4.8 %.

When does Spar Nord Bank A/S pay dividends?

Spar Nord Bank A/S pays a quarterly dividend. This is distributed in the months of April, July, April, April.

How secure is the dividend of Spar Nord Bank A/S?

Spar Nord Bank A/S paid dividends every year for the past 6 years.

What is the dividend of Spar Nord Bank A/S?

For the upcoming 12 months, dividends amounting to 10.75 DKK are expected. This corresponds to a dividend yield of 5.15 %.

In which sector is Spar Nord Bank A/S located?

Spar Nord Bank A/S is assigned to the 'Finance' sector.

Wann musste ich die Aktien von Spar Nord Bank A/S kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of Spar Nord Bank A/S from 3/22/2024 amounting to 10 DKK, you needed to have the stock in your portfolio before the ex-date on 3/20/2024.

When did Spar Nord Bank A/S pay the last dividend?

The last dividend was paid out on 3/22/2024.

What was the dividend of Spar Nord Bank A/S in the year 2024?

In the year 2024, Spar Nord Bank A/S distributed 4.5 DKK as dividends.

In which currency does Spar Nord Bank A/S pay out the dividend?

The dividends of Spar Nord Bank A/S are distributed in DKK.

All fundamentals about Spar Nord Bank A/S

Our stock analysis for Spar Nord Bank A/S Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Spar Nord Bank A/S Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.