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Kreditbanken A/S

Kreditbanken A/S

KRE · CO · Financial Services / Banks - Regional

10,200.00DKK+100.00 (+0.99%)

Price History

Full chart

Market Stats

Previous Close10,100.00
Open10,200.00
Day Range10,200.00 – 10,400.00
52-Week Range6,888.69 – 10,300.00
Volume25
Market Cap1.65B
P/E (TTM)11.17
Forward P/E15.55
EPS877.10
Dividend Yield2.55%
Beta0.14
50-Day Avg9,791.00
200-Day Avg8,620.25

About

Kreditbanken A/S provides various banking products and services to private and business customers in Denmark. It offers savings and children accounts; home, mortgage, and car loans; insurance products; and wealth products, including pension and investment products. Kreditbanken A/S was founded in 1926 and is headquartered in Aabenraa, Denmark.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Lars Frank Jensen
  • Employees110
  • HeadquartersHP Hanssens Gade 17, Aabenraa, Denmark, 6200, Denmark
  • Websitehttps://www.kreditbanken.dk

Leadership

  • Mr. Lars Frank JensenCEO & Member of the Executive Board · b. 1960
  • Danny GellettFinance & Accounting Manager and CFO
  • Mr. Claus SobergPension & Investment Manager
  • Jorgen O. SmedegaardHead of Compliance
  • Mr. Steen KernfeltDeputy Director of Organization, Finance, Assets & HR and Executive Secretariat
  • Rene AndersenCredit Manager
  • Ms. Mai-Britt MorckChief Controller & Head of Controlling

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 Revenue85.97M97.64M94.10M106.17M169.69M206.42M248.99M298.67M202.95M191.89M162.71M158.56M163.22M154.69M158.09M157.88M167.95M173.88M197.93M189.38M181.64M196.23M185.46M371.50M408.12M402.52M
Growth (%)-+13.57%-3.62%+12.82%+59.83%+21.64%+20.63%+19.95%-32.05%-5.45%-15.21%-2.55%+2.94%-5.23%+2.20%-0.13%+6.38%+3.53%+13.83%-4.32%-4.09%+8.03%-5.49%+100.32%+9.86%-1.37%
Cost of Revenue----12.51M14.88M21.31M42.05M66.18M35.25M15.54M18.52M13.79M9.87M8.28M3.83M3.54M2.47M818.00K-367.00K-6.86M-14.00M-11.08M19.74M44.05M30.12M
Gross Profit----157.18M191.53M227.68M256.62M136.77M156.63M147.16M140.04M149.43M144.82M149.81M154.05M164.41M171.41M197.11M189.75M188.50M210.23M196.54M351.76M364.07M372.40M
Gross Margin----92.63%92.79%91.44%85.92%67.39%81.63%90.45%88.32%91.55%93.62%94.76%97.57%97.89%98.58%99.59%100.19%103.77%107.14%105.97%94.69%89.21%92.52%
Operating Expense----138.51M141.93M163.01M190.92M100.41M152.08M128.95M125.78M134.26M128.96M121.99M123.34M121.19M95.85M103.89M84.47M112.99M93.58M141.32M160.78M179.52M170.24M
Operating Income25.98M22.20M28.68M44.09M18.67M49.60M64.67M65.71M36.36M4.55M18.21M14.25M15.17M15.86M27.82M30.71M43.22M75.55M93.23M105.28M75.51M116.65M55.22M190.99M184.55M202.16M
Operating Margin30.22%22.74%30.48%41.52%11.00%24.03%25.97%22.00%17.91%2.37%11.19%8.99%9.30%10.25%17.60%19.45%25.73%43.45%47.10%55.59%41.57%59.45%29.77%51.41%45.22%50.22%
EBITDA----19.66M50.01M80.42M68.33M37.45M6.39M19.58M16.03M16.29M17.32M29.40M32.72M44.87M77.72M96.50M106.64M81.60M118.72M65.10M192.71M186.17M203.90M
EBITDA Margin----11.59%24.23%32.30%22.88%18.45%3.33%12.03%10.11%9.98%11.20%18.60%20.72%26.72%44.70%48.76%56.31%44.93%60.50%35.10%51.87%45.62%50.66%
Net Income18.42M14.95M--29.55M6.70K45.70M49.80M27.60M3.35M13.75M10.63M11.15M12.55M22.85M24.04M33.65M60.34M79.43M85.33M59.65M92.50M43.48M146.88M139.25M154.89M
Net Income Margin21.42%15.31%--17.41%0.00%18.36%16.67%13.60%1.75%8.45%6.70%6.83%8.11%14.46%15.23%20.04%34.70%40.13%45.06%32.84%47.14%23.44%39.54%34.12%38.48%
Interest Expense000012.51M14.88M21.31M42.05M66.18M35.25M15.54M18.52M13.79M9.87M8.28M3.83M3.54M2.47M818.00K367.00K6.86M14.00M11.08M19.74M44.05M21.42M
Interest Expense % of Total Revenue0.00%0.00%0.00%0.00%7.37%7.21%8.56%14.08%32.61%18.37%9.55%11.68%8.45%6.38%5.24%2.43%2.11%1.42%0.41%0.19%3.77%7.14%5.97%5.31%10.79%5.32%

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 Assets941.32M1.01B1.10B1.23B1.41B1.56B1.87B2.24B2.42B2.32B2.22B2.29B2.35B2.39B2.51B2.77B2.81B3.06B3.57B4.11B4.64B5.10B5.40B5.94B6.78B7.65B
Total Liabilities789.45M847.10M923.43M1.02B1.18B1.28B1.56B1.89B2.05B1.95B1.84B1.90B1.95B1.98B2.08B2.33B2.34B2.54B3.00B3.46B3.94B4.32B4.58B4.98B5.70B6.44B
Total Equity151.87M163.25M178.60M209.75M232.16M272.67M310.45M350.31M368.90M371.04M382.66M391.01M400.51M409.68M429.40M433.99M463.12M519.26M569.71M649.99M701.23M785.32M819.74M958.21M1.08B1.21B
Cash14.65M18.09M44.38M82.99M15.02M60.26M229.15M175.52M239.46M161.46M102.94M233.57M257.86M249.26M286.10M367.09M317.44M393.50M479.99M1.04B729.91M846.85M1.01B1.10B1.32B1.45B
Total Debt--------258.41M197.57M2.38M287.47M244.53M195.89M208.23M211.66M48.69M48.40M32.33M21.69M27.24M36.30M33.98M40.18M-37.40M
Net Debt-----15.02M-60.26M-229.15M-175.52M18.95M36.11M-100.56M53.90M-13.34M-53.37M-77.87M-155.43M-268.74M-345.11M-447.66M-1.02B-702.67M-846.85M-1.01B-1.06B-1.32B-1.41B

Cash Flow

Currency: DKK2000-12-312001-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow----5.43M14.36M-59.14M-7.09M32.65M-842.00K38.48M143.25M-192.03M4.35M5.28M2.72M12.19M4.14M19.77M---
Investing Cash Flow----9.74M-467.00K-509.00K-753.00K-1.38M-5.24M-320.00K-3.01M-4.08M253.00K-549.00K-------
Financing Cash Flow----10.71M-2.08M1.14M-5.79M-1.87M-3.60M-2.87M-19.68M-4.21M-4.21M-5.05M-------
Capital Expenditure0009.74M492.00K619.00K753.00K1.38M5.31M363.00K3.15M4.14M509.00K703.00K0000000
Free Cash Flow----15.16M13.86M-59.76M-7.84M31.27M-6.15M38.12M140.10M-196.17M3.85M4.58M2.72M12.19M4.14M19.77M---
Dividends Paid------3.56M3.56M3.56M3.56M4.46M4.46M4.21M5.05M-------
FCF to OCF---279.49%96.57%101.05%110.62%95.78%730.40%99.06%97.80%102.16%88.31%86.70%100.00%100.00%100.00%100.00%---
Dividend Paid to FCF-------45.44%11.40%-57.95%9.35%3.18%-2.27%109.36%110.15%-------

Earnings

Report DateMar 31, 2009Jun 30, 2009Sep 30, 2009Dec 31, 2009Mar 31, 2010Jun 30, 2010Sep 30, 2010Dec 31, 2010Mar 31, 2011Jun 30, 2011Sep 30, 2011Dec 31, 2011Mar 31, 2012Jun 30, 2012Sep 30, 2012Dec 31, 2012Mar 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, 2016Aug 17, 2016Nov 16, 2016Feb 22, 2017May 11, 2017Aug 9, 2017Nov 15, 2017Feb 21, 2018Mar 31, 2018Jun 30, 2018Sep 30, 2018Dec 31, 2018Mar 31, 2019Jun 30, 2019Sep 30, 2019Dec 31, 2019Mar 31, 2020Jun 30, 2020Sep 30, 2020Dec 31, 2020May 12, 2021Jun 30, 2021Sep 30, 2021Dec 31, 2021Mar 31, 2022Jun 30, 2022Sep 30, 2022Dec 31, 2022Mar 31, 2023Jun 30, 2023Sep 30, 2023Dec 31, 2023Mar 31, 2024Jun 30, 2024Sep 30, 2024Dec 31, 2024Mar 31, 2025Jun 30, 2025Sep 30, 2025Dec 31, 2025Mar 31, 2026Jun 30, 2026
EPS Estimate----------------------------------------------------------------------
EPS Actual7.13-3.085.619.1418.5514.2619.6624.9519.719.6120.829.8121.8712.9316.9210.9623.1914.1617.2916.7027.1523.3763.3415.8637.4839.7648.0015.7447.3143.2173.6235.9274.71110.0182.6991.34238.78117.9469.9845.5689.14102.16205.45110.5721.0248.25125.73159.6399.86213.33126.17110.5641.5965.0069.1982.70198.78188.51191.65294.30244.63210.77207.05165.42224.85252.62218.33225.07192.91240.76
Surprise----------------------------------------------------------------------
Timing-----------------------------Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market----------------------------------

Key Statistics & Ratios

Market Cap1.65B
Enterprise Value374.19M
Trailing P/E11.17
Forward P/E15.55
PEG Ratio3.11
Price / Sales4.58
Price / Book1.33
EPS877.10
Book Value7,380.94
Revenue (TTM)359.79M
Gross Profit (TTM)359.79M
Profit Margin41.00%
Operating Margin52.86%
Return on Equity12.41%
Return on Assets1.94%
Shares Outstanding168.20K
Shares Float125.93K
Beta0.14
Dividend Yield2.55%
Dividend Rate250.00
Payout Ratio28.50%

Dividends

20261×
250.00Mar 19, 2026
20251×
150.00Mar 20, 2025
20241×
100.00Mar 21, 2024
20231×
50.00Mar 23, 2023
20221×
50.00Mar 17, 2022
20211×
50.00Mar 18, 2021
20201×
50.00Mar 19, 2020
20191×
30.00Mar 21, 2019
20181×
30.00Mar 22, 2018
20171×
25.00Mar 23, 2017
20161×
25.00Mar 17, 2016
20151×
25.00Mar 19, 2015
20141×
20.00Mar 20, 2014
20131×
20.00Mar 21, 2013
20121×
20.00Mar 22, 2012
20111×
20.00Mar 17, 2011
20081×
50.00Mar 13, 2008
20071×
50.00Mar 15, 2007
20061×
50.00Mar 16, 2006
20051×
40.00Mar 10, 2005
20041×
50.00Mar 11, 2004
20031×
25.00Mar 13, 2003
20021×
20.00Mar 7, 2002
20011×
25.00Mar 8, 2001

Stock Splits

  • Jun 25, 1999959692:319897