YOLFTbeta
Alm. Brand

Alm. Brand

ALMB · CO · Financial Services / Insurance - Diversified

17.75DKK+0.13 (+0.74%)

Price History

Full chart

Market Stats

Previous Close17.62
Open17.59
Day Range17.58 – 17.77
52-Week Range14.01 – 18.32
Volume906.32K
Market Cap22.13B
P/E (TTM)28.10
Forward P/E16.37
EPS0.58
Dividend Yield4.04%
Beta1.07
50-Day Avg16.98
200-Day Avg16.52

About

Alm. Brand A/S, together with its subsidiaries, provides non-life insurance products and services in Denmark. It offers car, travel, home, contents, accident, and holiday home insurance; as well as salary security, dog, health, change of ownership, seller's liability, veteran vehicle, motorcycle, moped, boat, youth, drone, horse, caravan, and child accident insurance. In addition, the company provides business, workers' compensation, professional liability, electric car, truck, construction, building, and cyber insurance. Further, it offers other direct insurance products to private households, agricultural, small and medium-sized enterprises, and corporates through its sales channels and partnerships. The company was founded in 1792 and is headquartered in Copenhagen, Denmark.

Company Details

  • SectorFinancial Services
  • IndustryInsurance - Diversified
  • CEOMr. Andreas Ruben Madsen
  • Employees1.92K
  • HeadquartersMidtermolen 7, Copenhagen, Denmark, 2100, Denmark
  • Websitehttps://www.almbrand.dk

Leadership

  • Mr. Andreas Ruben MadsenCEO & Member of Executive Board · b. 1983
  • Bo Krag EsbensenChief Operating Officer · b. 1985
  • Mr. Thorsten Meyer LarsenChief Investment Officer
  • Mr. Mads Thinggaard C.F.A.Head of Investor Relations
  • Mr. Kristjan JorgensenChief Press & Communication Officer · b. 1974
  • Mr. Peter FlemmerSenior Vice President of Non-life Insurance - Commercial · b. 1971
  • Mr. Laury KristoffersenSenior Vice President of Digital Development Programme · b. 1968
  • Mr. Kim Bai WadstrømC.C.O. of Retail · b. 1964
  • Mr. Jacques Skovgaard-SørensenSenior Vice President of Banking - Financial markets · b. 1972
  • Mr. Poul-Erik WintherGroup Chief Auditor

Financials

Income Statement

Currency: DKK2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue1.70B2.54B12.66B11.87B6.44B6.49B6.86B7.72B8.18B7.57B7.34B6.77B7.11B6.55B7.63B6.91B7.79B8.17B7.83B9.23B7.78B5.25B10.59B13.89B14.14B13.37B
Growth (%)-+49.43%+397.59%-6.29%-45.74%+0.78%+5.64%+12.63%+5.89%-7.40%-3.04%-7.76%+4.93%-7.76%+16.49%-9.47%+12.63%+4.92%-4.16%+17.86%-15.64%-32.61%+101.81%+31.23%+1.76%-5.45%
Cost of Revenue742.00M308.00M475.00M270.00M1.32B1.29B1.41B1.50B1.52B1.67B1.43B586.00M621.00M619.00M623.00M666.00M689.00M742.00M750.00M7.06B902.00M983.00M1.78B457.00M527.00M-
Gross Profit961.04M2.24B12.19B11.60B5.11B5.20B5.44B6.22B6.66B5.90B5.91B6.18B6.48B5.93B7.01B6.25B7.10B7.43B7.08B9.23B7.78B5.25B8.81B13.43B13.61B13.37B
Gross Margin56.43%87.90%96.25%97.72%79.42%80.14%79.37%80.56%81.41%77.94%80.49%91.35%91.26%90.56%91.84%90.36%91.15%90.92%90.42%100.00%100.00%100.00%83.20%96.71%96.27%100.00%
Operating Expense679.04M2.24B12.04B11.20B4.57B4.35B4.40B5.24B6.82B7.32B6.45B6.81B6.06B5.58B6.63B5.60B6.06B6.40B6.40B8.98B7.00B4.48B9.04B12.75B12.48B11.78B
Operating Income282.00M1.13M144.00M394.00M540.00M852.00M1.04B980.00M-164.00M-1.42B-539.00M-626.00M421.00M352.00M381.00M645.00M1.03B1.02B675.00M249.00M785.00M761.00M-236.00M684.00M1.13B1.58B
Operating Margin16.56%0.04%1.14%3.32%8.39%13.13%15.13%12.69%-2.01%-18.70%-7.34%-9.25%5.93%5.37%4.99%9.33%13.27%12.52%8.62%2.70%10.09%14.51%-2.23%4.92%8.01%11.86%
EBITDA369.00M86.13M195.00M439.00M859.00M1.21B1.61B1.95B1.08B-613.00M41.00M37.00M685.00M582.00M577.00M730.00M1.06B1.04B679.00M878.00M1.03B759.00M2.00M1.20B1.64B1.58B
EBITDA Margin21.67%3.38%1.54%3.70%13.34%18.65%23.47%25.29%13.20%-8.10%0.56%0.55%9.64%8.88%7.56%10.56%13.62%12.68%8.67%9.52%13.20%14.47%0.02%8.63%11.57%11.86%
Net Income261.00M1.06M142.00M375.00M441.00M796.00M847.00M714.00M-217.00M-1.08B-404.00M-503.00M296.00M193.00M356.00M524.00M826.00M811.00M569.00M452.00M616.00M598.00M374.00M612.00M777.00M1.35B
Net Income Margin15.33%0.04%1.12%3.16%6.85%12.27%12.36%9.25%-2.65%-14.26%-5.50%-7.43%4.17%2.94%4.66%7.58%10.61%9.93%7.27%4.90%7.91%11.40%3.53%4.41%5.50%10.12%
Interest Expense87.00M85.00M51.00M45.00M319.00M358.00M572.00M973.00M1.24B803.00M580.00M663.00M264.00M230.00M196.00M85.00M27.00M13.00M4.00M46.00M20.00M15.00M238.00M349.00M260.00M-
Interest Expense % of Total Revenue5.11%3.34%0.40%0.38%4.95%5.52%8.34%12.60%15.20%10.61%7.90%9.79%3.72%3.51%2.57%1.23%0.35%0.16%0.05%0.50%0.26%0.29%2.25%2.51%1.84%-

Balance Sheet

Currency: DKK2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets359.97M1.15B21.13B21.78B22.47B42.55B42.99B47.89B45.78B47.50B48.15B44.91B42.56B39.58B39.12B35.08B34.86B34.65B39.02B41.80B32.78B42.23B35.56B35.57B35.44B32.02B
Total Liabilities21.62M20.90M18.24B19.99B20.68B37.62B37.56B42.44B40.98B43.80B43.39B40.71B38.05B34.90B34.27B29.85B29.66B29.72B34.28B37.22B27.61B28.53B21.75B21.63B22.03B20.05B
Total Equity338.35M1.13B2.79B1.51B1.47B4.93B5.43B5.45B4.80B3.69B4.60B4.09B4.37B4.53B4.85B5.23B5.20B4.94B4.75B4.58B5.17B13.71B13.85B13.94B13.40B11.97B
Cash13.00M719.00M347.00M423.00M544.00M331.00M365.00M790.00M146.00M49.00M379.00M139.00M1.19B1.03B1.20B636.00M923.00M500.00M1.09B1.04B524.00M110.00M458.00M579.00M412.00M607.00M
Total Debt-----300.00M1.51B2.22B1.97B1.86B7.86B7.86B6.04B3.84B2.57B1.29B1.27B906.00M1.01B1.59B1.60B1.90B2.54B2.39B2.25B1.97B
Net Debt------31.00M1.15B1.43B1.83B1.81B7.48B7.72B4.86B2.81B1.37B653.00M345.00M406.00M-87.00M553.00M1.07B1.79B2.09B1.81B1.84B1.36B

Cash Flow

Currency: DKK2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow302.00M730.00M326.00M254.00M488.00M1.01B842.00M946.00M727.00M919.00M731.00M299.00M286.00M196.00M348.00M529.00M826.00M811.00M569.00M1.43B1.22B922.00M148.00M109.00M705.00M1.06B
Investing Cash Flow817.00M605.00M594.00M327.00M44.00M-4.66B-2.86B-3.39B315.00M-5.07B-354.00M1.66B2.02B3.01B862.00M2.54B761.00M156.00M-1.23B-1.46B1.24B-9.30B447.00M464.00M439.00M1.97B
Financing Cash Flow268.00M191.00M160.00M419.00M52.00M4.14B702.00M3.90B-1.02B2.62B159.00M-2.67B-3.16B-2.62B-1.44B-3.99B-1.85B-1.63B-356.00M-32.00M47.00M8.14B-383.00M-482.00M-1.31B-2.84B
Capital Expenditure9.00M28.00M333.00M7.00M9.00M33.00M19.00M59.00M23.00M05.00M048.00M35.00M348.00M152.00M160.00M142.00M135.00M35.00M1.00M38.00M3.00M0117.00M48.00M
Free Cash Flow293.00M702.00M-7.00M247.00M479.00M982.00M823.00M887.00M704.00M919.00M726.00M299.00M238.00M161.00M397.00M377.00M666.00M669.00M434.00M1.39B1.22B884.00M145.00M109.00M586.00M1.01B
Dividends Paid----------6.01B--85.00M85.00M85.00M500.00M813.00M480.00M368.00M1.08B2.31B462.00M462.00M848.00M864.00M
FCF to OCF97.02%96.16%-2.15%97.24%98.16%96.75%97.74%93.76%96.84%100.00%99.32%100.00%83.22%82.14%114.08%71.27%80.63%82.49%76.27%97.55%99.92%95.88%97.97%100.00%83.12%95.46%
Dividend Paid to FCF----------827.27%--52.80%21.41%22.55%75.08%121.52%110.60%26.40%88.37%261.09%318.62%423.85%144.71%85.54%

Earnings

Report DateNov 17, 2004May 19, 2005Aug 25, 2005Nov 21, 2005Feb 23, 2006May 23, 2006Aug 22, 2006Nov 21, 2006Feb 27, 2007May 24, 2007Aug 28, 2007Nov 20, 2007Feb 28, 2008May 29, 2008Aug 27, 2008Nov 19, 2008Feb 26, 2009May 19, 2009Aug 27, 2009Nov 19, 2009Feb 25, 2010May 20, 2010Aug 26, 2010Nov 17, 2010Feb 24, 2011May 18, 2011Aug 25, 2011Nov 16, 2011Feb 28, 2012May 16, 2012Aug 23, 2012Nov 22, 2012Feb 26, 2013May 22, 2013Aug 22, 2013Nov 21, 2013Feb 27, 2014May 21, 2014Aug 21, 2014Nov 20, 2014Feb 25, 2015May 12, 2015Aug 20, 2015Nov 11, 2015Mar 2, 2016May 11, 2016Aug 25, 2016Nov 16, 2016Mar 1, 2017May 18, 2017Aug 24, 2017Nov 15, 2017Feb 28, 2018May 17, 2018Aug 23, 2018Nov 15, 2018Feb 5, 2019May 7, 2019Aug 20, 2019Nov 5, 2019Jan 30, 2020May 14, 2020Aug 20, 2020Nov 4, 2020Feb 11, 2021May 7, 2021Aug 19, 2021Oct 28, 2021Feb 10, 2022May 12, 2022Aug 18, 2022Nov 10, 2022Feb 8, 2023May 11, 2023Aug 17, 2023Nov 9, 2023Feb 8, 2024May 1, 2024Aug 15, 2024Nov 7, 2024Feb 5, 2025Apr 29, 2025Jul 16, 2025Oct 29, 2025Jan 27, 2026Apr 28, 2026Jul 16, 2026Oct 28, 2026
EPS Estimate4.600.4911.655.447.314.606.808.009.008.608.658.138.007.70---1.16-7.72-1.20-4.01-11.80-15.00-9.80-7.70-0.96-0.18-0.12-0.78-0.20-0.260.200.300.350.200.500.50-0.250.510.500.360.270.780.690.530.360.631.010.940.451.111.181.200.590.881.351.460.671.031.070.981.140.121.790.321.451.021.310.270.470.010.050.140.170.110.220.200.210.160.190.250.210.260.280.280.270.18-0.030.32
EPS Actual6.002.007.007.0016.007.009.0011.009.0010.007.009.006.896.00-0.240.081.454.00-37.001.50-18.01-11.006.004.66-3.00-0.500.20-0.40-2.200.400.500.300.500.100.100.800.100.300.800.300.600.900.601.000.601.101.101.601.101.301.301.700.701.100.901.100.401.100.800.800.740.201.900.371.550.701.650.170.13-0.030.020.160.200.130.240.190.180.200.140.270.240.310.310.290.300.200.35-
Surprise30.43%308.16%-39.91%28.68%118.88%52.17%32.35%37.50%0.00%16.28%-19.08%10.70%-13.88%-22.08%--225.00%151.81%-2983.33%137.41%-52.63%26.67%161.22%160.52%-212.50%-177.78%266.67%48.72%-1000.00%253.85%150.00%0.00%42.86%-50.00%-80.00%60.00%140.00%-41.18%60.00%-16.67%122.22%15.38%-13.04%88.68%66.67%74.60%8.91%70.21%144.44%17.12%10.17%41.67%18.64%25.00%-33.33%-24.66%-40.30%6.80%-25.23%-18.37%-35.09%66.67%6.15%15.63%6.90%-31.37%25.95%-37.04%-72.34%-400.00%-60.00%14.29%17.65%18.18%9.09%-5.00%-14.29%25.00%-26.32%8.00%14.29%19.23%10.71%3.57%11.11%11.11%1266.67%-
TimingPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market--Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketAfter-hoursPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketAfter-hoursPre-marketPre-marketAfter-hours

Key Statistics & Ratios

Market Cap22.13B
Enterprise Value23.69B
Trailing P/E28.10
Forward P/E16.37
PEG Ratio0.00
Price / Sales1.61
Price / Book2.05
EPS0.58
Book Value7.68
Revenue (TTM)13.74B
Gross Profit (TTM)4.16B
EBITDA2.40B
Profit Margin6.70%
Operating Margin1.91%
Return on Equity7.98%
Return on Assets3.63%
Shares Outstanding1.36B
Shares Float716.54M
Beta1.07
Dividend Yield4.04%
Dividend Rate0.66
Payout Ratio57.89%

Dividends

20261×
0.66Apr 10, 2026
20251×
0.60Apr 11, 2025
20241×
0.55Apr 19, 2024
20231×
0.30Apr 27, 2023
20221×
0.30Apr 28, 2022
20212×
0.98Apr 27, 20211.96Jan 6, 2021
20191×
0.37Apr 30, 2019
20181×
0.37May 1, 2018
20171×
0.86Apr 27, 2017
20161×
0.37May 2, 2016
20151×
0.12Apr 28, 2015
20011×
0.63Apr 20, 2001
20001×
0.36Apr 5, 2000
19991×
0.36Apr 21, 1999
19981×
0.36Apr 30, 1998
19971×
0.36Apr 24, 1997
19921×
0.72May 7, 1992
19911×
0.72Apr 24, 1991
19901×
0.72Apr 25, 1990

Stock Splits

  • Nov 11, 20211612:395
  • Dec 6, 2010670:247