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Danske Andelskassers Bank A/S

Danske Andelskassers Bank A/S

DAB · CO · Financial Services / Banks - Regional

15.50DKK+0.20 (+1.31%)

Price History

Full chart

Market Stats

Previous Close15.30
Open15.25
Day Range15.25 – 15.50
52-Week Range13.70 – 20.40
Volume6.45K
Market Cap3.16B
P/E (TTM)14.20
Forward P/E0.00
EPS1.00
Dividend Yield2.42%
Beta0.21
50-Day Avg15.38
200-Day Avg17.17

About

Danske Andelskassers Bank A/S provides various banking products and services to private, small and medium-sized businesses, and agricultural customers in Denmark. The company offers customer programs; insurance products comprising non-life and personal insurance, and salary security; car and wind turbine loans; investment products and solutions; savings; estate processing; housing products, including mortgages; installment pension, retirement savings, and annuities; cash, card, and mobile payments; and ATM services. It also provides leasing products; investment accounts; light insurance for the self-employed; company and termination pension; letters of credit; and foreign debt collection. In addition, the company offers online banking; private banking; exclusive card solutions; free lawyer insurance; advice; private equity; and portfolio and investment credit products. Danske Andelskassers Bank A/S was founded in 1915 and is headquartered in Aarhus, Denmark.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Jan Pedersen
  • Employees347
  • HeadquartersDusager 18, Aarhus, Denmark, 8200, Denmark
  • Websitehttps://www.andelskassen.dk

Leadership

  • Mr. Jan PedersenCEO & Member of the Management Board · b. 1964
  • Mr. Bjarne NielsenEconomic Director
  • Alma Lund HøjHead of Investor Relation, Bank Director & Member of Management Board · b. 1967
  • Mr. Kristian Thorgaard SørensenHead of Internal Audit
  • Mr. Thomas Andie SchackController

Financials

Income Statement

Currency: DKK2009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue286.16M661.46M941.56M987.07M857.68M807.40M689.25M628.85M626.92M577.55M846.58M627.40M679.97M607.61M897.81M964.04M940.51M
Growth (%)-+131.15%+42.35%+4.83%-13.11%-5.86%-14.63%-8.76%-0.31%-7.87%+46.58%-25.89%+8.38%-10.64%+47.76%+7.38%-2.44%
Cost of Revenue89.78M223.75M236.84M216.45M168.99M120.66M103.94M60.83M50.32M20.06M22.86M18.71M17.49M22.08M32.87M70.05M57.69M
Gross Profit196.38M437.71M704.73M770.62M688.69M686.73M585.31M568.01M576.60M557.48M823.72M608.69M662.48M585.53M864.93M893.99M882.82M
Gross Margin68.63%66.17%74.85%78.07%80.30%85.06%84.92%90.33%91.97%96.53%97.30%97.02%97.43%96.37%96.34%92.73%93.87%
Operating Expense156.38M678.52M945.18M953.54M1.07B663.62M596.76M517.99M475.76M451.78M479.30M484.41M460.46M440.48M561.09M539.35M609.92M
Operating Income40.00M-240.81M-240.45M-182.92M-380.43M23.12M-11.45M50.02M100.84M105.71M344.42M124.28M202.02M145.05M303.85M354.64M272.90M
Operating Margin13.98%-36.41%-25.54%-18.53%-44.36%2.86%-1.66%7.95%16.08%18.30%40.68%19.81%29.71%23.87%33.84%36.79%29.02%
EBITDA40.95M-222.47M-221.57M-171.75M-372.76M27.18M-7.68M54.84M107.43M109.88M355.90M135.29M212.19M154.32M313.33M375.70M294.52M
EBITDA Margin14.31%-33.63%-23.53%-17.40%-43.46%3.37%-1.11%8.72%17.14%19.02%42.04%21.56%31.21%25.40%34.90%38.97%31.31%
Net Income39.54M-183.77M-403.72M-171.20M-382.28M20.37M-11.87M37.98M84.46M127.57M349.24M113.06M197.54M149.25M295.61M286.59M273.68M
Net Income Margin13.82%-27.78%-42.88%-17.34%-44.57%2.52%-1.72%6.04%13.47%22.09%41.25%18.02%29.05%24.56%32.93%29.73%29.10%
Interest Expense89.78M223.75M236.84M216.45M168.99M120.66M103.94M60.83M50.32M20.06M22.86M18.71M17.49M22.08M32.87M70.05M68.30M
Interest Expense % of Total Revenue31.37%33.83%25.15%21.93%19.70%14.94%15.08%9.67%8.03%3.47%2.70%2.98%2.57%3.63%3.66%7.27%7.26%

Balance Sheet

Currency: DKK2009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets7.19B15.18B14.23B13.88B11.32B10.79B10.55B10.69B10.80B11.10B12.50B13.30B13.50B13.95B16.14B17.33B18.74B
Total Liabilities6.11B13.75B12.82B12.66B10.48B9.93B9.35B9.45B9.38B9.67B10.52B11.26B11.30B11.67B13.31B14.30B15.80B
Total Equity1.09B1.43B1.41B1.22B839.54M859.87M1.20B1.24B1.42B1.43B1.98B2.04B2.21B2.29B2.83B3.03B2.94B
Cash115.79M116.31M1.25B1.47B1.04B1.16B1.07B1.13B1.13B911.93M1.58B1.06B1.45B1.47B1.29B1.62B1.06B
Total Debt385.85M1.72B2.72B1.77B658.69M440.75M130.84M131.43M19.01M103.84M151.92M411.41M245.43M345.10M342.04M486.91M687.60M
Net Debt270.06M1.60B1.47B296.26M-385.01M-714.67M-936.94M-998.02M-1.11B-808.09M-1.43B-649.32M-1.21B-1.12B-947.65M-1.14B-371.79M

Cash Flow

Currency: DKK2010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-1.08B-1.18B1.21B575.79M280.67M-120.77M25.30M7.94M-259.01M708.13M-816.18M593.26M-31.25M-425.43M296.96M-
Investing Cash Flow-25.43M-2.04M10.89M9.22M-922.00K10.64M13.97M6.59M4.14M1.90M-2.66M-1.66M-960.00K-2.22M-624.00K-
Financing Cash Flow997.45M1.37B-999.82M-1.06B-219.41M36.74M26.45M-800.00K42.02M196.19M198.06M-211.23M21.95M238.52M40.40M-
Capital Expenditure50.40M28.76M5.04M922.00K922.00K002.66M2.66M2.66M2.66M1.66M960.00K2.22M624.00K0
Free Cash Flow-1.13B-1.21B1.21B575.79M279.74M-120.77M25.30M7.94M-259.01M708.13M-818.84M591.60M-32.21M-427.65M296.33M-
Dividends Paid------26.25M26.25M26.25M25.62M96.71M25.98M53.84M40.90M83.76M-
FCF to OCF104.65%102.44%100.00%100.00%99.67%100.00%100.00%100.00%100.00%100.00%100.33%99.72%103.07%100.52%99.79%-
Dividend Paid to FCF------103.79%330.49%-10.14%3.62%-11.81%4.39%-167.16%-9.56%28.27%-

Earnings

Report DateMar 31, 2013Jun 30, 2013Sep 30, 2013Dec 31, 2013Mar 31, 2014Jun 30, 2014Sep 30, 2014Dec 31, 2014Mar 31, 2015Jun 30, 2015Sep 30, 2015Dec 31, 2015Mar 31, 2016Jun 30, 2016Sep 30, 2016Dec 31, 2016Mar 31, 2017Jun 30, 2017Sep 30, 2017Dec 31, 2017Mar 31, 2018Jun 30, 2018Sep 30, 2018Dec 31, 2018Mar 31, 2019Jun 30, 2019Sep 30, 2019Dec 31, 2019Mar 31, 2020Jun 30, 2020Sep 30, 2020Dec 31, 2020May 27, 2021Aug 25, 2021Nov 26, 2021Mar 8, 2022May 24, 2022Aug 25, 2022Nov 24, 2022Feb 23, 2023Mar 31, 2023Jun 30, 2023Sep 30, 2023Dec 31, 2023Mar 31, 2024Jun 30, 2024Sep 30, 2024Dec 31, 2024Mar 31, 2025Jun 30, 2025Sep 30, 2025Feb 18, 2026Mar 31, 2026Jun 30, 2026
EPS Estimate------------------------------------------------------
EPS Actual-0.13-0.90-3.950.200.68-0.01-0.16-0.260.15-0.12-0.220.03-0.18-0.070.170.180.130.24-0.010.100.200.120.210.130.300.211.040.28-0.350.280.270.230.260.300.44-0.010.000.120.170.210.250.290.280.430.320.290.42-0.170.270.320.33-0.120.100.34
Surprise------------------------------------------------------
Timing-----------------------------------Pre-marketPre-marketAfter-hoursAfter-hoursAfter-hours-----------Pre-market--

Key Statistics & Ratios

Market Cap3.16B
Enterprise Value2.30B
Trailing P/E14.20
Forward P/E0.00
PEG Ratio0.00
Price / Sales3.72
Price / Book1.07
EPS1.00
Book Value11.81
Revenue (TTM)850.69M
Gross Profit (TTM)850.69M
Profit Margin27.14%
Operating Margin33.72%
Return on Equity7.64%
Return on Assets1.21%
Shares Outstanding222.88M
Shares Float180.89M
Beta0.21
Dividend Yield2.42%
Dividend Rate0.35
Payout Ratio52.99%

Dividends

20261×
0.35Apr 22, 2026
20251×
0.36Apr 24, 2025
20241×
0.37Apr 23, 2024
20231×
0.18Apr 28, 2023
20221×
0.28Apr 27, 2022
20211×
0.14Nov 26, 2021
20201×
0.55Apr 30, 2020

Stock Splits

  • Feb 28, 202346:45
  • Nov 23, 2015649:445