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Laan & Spar Bank AS

Laan & Spar Bank AS

LASP · CO · Financial Services / Banks - Regional

1,445.00DKK+0.00 (0.00%)

Price History

Full chart

Market Stats

Previous Close1,445.00
Open1,450.00
Day Range1,445.00 – 1,460.00
52-Week Range939.34 – 1,731.15
Volume590
Market Cap4.62B
P/E (TTM)11.04
Forward P/E7.67
EPS120.95
Dividend Yield1.50%
Beta0.20
50-Day Avg1,368.70
200-Day Avg1,325.38

About

Lån & Spar Bank A/S provides various banking products and services in Denmark. The company offers deposits, savings, student, grandchild, budget, salary, and payment accounts; private, car, caravan, motorcycle, housing, mortgage, cottage, business, and energy loans; cards; and payment services. It also provides pension and investment products; and private, life, health, and other insurance products, as well as online and mobile banking services. Lån & Spar Bank A/S was founded in 1880 and is headquartered in Copenhagen, Denmark.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. John Christiansen
  • Employees633
  • HeadquartersHøjbro Plads 9-11, Copenhagen, Denmark, 1200, Denmark
  • Websitehttps://www.lsb.dk

Leadership

  • Mr. John ChristiansenCEO & Member of Executive Board · b. 1964
  • Mr. Jesper SchiølerBank Director & Member of Executive Board · b. 1968
  • Mr. Keld ThornæsDirector of HR & Communication
  • Mr. Kai LindbergChief Economist

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 Revenue475.01M509.07M458.66M335.09M367.33M383.56M442.97M544.68M633.13M629.79M585.18M628.30M714.43M733.05M803.23M816.86M901.13M930.97M927.14M990.70M960.21M1.01B1.14B1.88B2.14B1.93B
Growth (%)-+7.17%-9.90%-26.94%+9.62%+4.42%+15.49%+22.96%+16.24%-0.53%-7.08%+7.37%+13.71%+2.61%+9.57%+1.70%+10.32%+3.31%-0.41%+6.86%-3.08%+4.78%+13.22%+65.11%+13.76%-9.82%
Cost of Revenue---90.37M69.38M78.88M126.51M203.84M282.63M166.99M101.12M106.55M117.75M126.37M134.91M136.34M135.20M146.75M140.65M110.16M65.01M29.74M55.18M337.35M505.39M319.02M
Gross Profit---244.72M297.95M304.68M316.47M340.84M350.51M462.79M484.06M521.75M596.67M606.68M668.33M680.51M765.93M784.22M786.49M880.53M895.19M976.37M1.08B1.54B1.63B1.61B
Gross Margin---73.03%81.11%79.43%71.44%62.58%55.36%73.48%82.72%83.04%83.52%82.76%83.20%83.31%85.00%84.24%84.83%88.88%93.23%97.04%95.16%82.06%76.38%83.47%
Operating Expense---206.63M266.41M249.25M276.23M302.16M349.23M418.67M424.79M467.42M493.52M509.67M536.05M549.07M589.44M569.23M610.11M658.85M699.84M720.98M831.50M915.58M1.02B1.07B
Operating Income53.81M44.10M46.25M38.09M31.55M55.43M40.24M38.68M1.28M44.13M59.28M54.32M103.15M97.01M132.28M131.45M176.49M214.99M176.38M221.69M195.35M255.39M252.48M627.99M619.31M537.25M
Operating Margin11.33%8.66%10.08%11.37%8.59%14.45%9.08%7.10%0.20%7.01%10.13%8.65%14.44%13.23%16.47%16.09%19.59%23.09%19.02%22.38%20.34%25.38%22.16%33.39%28.94%27.84%
EBITDA---54.47M46.18M60.82M52.89M52.29M17.88M61.59M73.56M68.97M119.68M115.03M152.50M146.71M225.24M240.10M204.26M257.06M258.01M330.51M325.04M718.56M690.25M625.28M
EBITDA Margin---16.26%12.57%15.86%11.94%9.60%2.82%9.78%12.57%10.98%16.75%15.69%18.99%17.96%25.00%25.79%22.03%25.95%26.87%32.85%28.53%38.20%32.26%32.40%
Net Income36.08M29.17M33.54M29.92M21.76M42.95M31.29M27.98M-886.00K31.78M43.68M40.52M78.07M71.73M101.47M101.33M138.93M170.25M140.49M175.25M153.17M202.48M203.03M473.02M462.57M411.33M
Net Income Margin7.60%5.73%7.31%8.93%5.92%11.20%7.06%5.14%-0.14%5.05%7.47%6.45%10.93%9.78%12.63%12.40%15.42%18.29%15.15%17.69%15.95%20.13%17.82%25.15%21.62%21.32%
Interest Expense00090.37M69.38M78.88M126.51M203.84M282.63M166.99M101.12M106.55M117.75M126.37M134.91M136.34M135.20M146.75M140.65M110.16M65.01M29.74M55.18M337.35M505.39M319.02M
Interest Expense % of Total Revenue0.00%0.00%0.00%26.97%18.89%20.57%28.56%37.42%44.64%26.52%17.28%16.96%16.48%17.24%16.80%16.69%15.00%15.76%15.17%11.12%6.77%2.96%4.84%17.94%23.62%16.53%

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 Assets6.93B7.13B7.46B7.46B7.61B7.94B8.36B8.42B8.73B9.67B9.62B9.84B10.99B12.55B13.69B15.51B16.95B19.21B21.73B24.69B27.43B27.74B30.02B33.24B36.38B40.98B
Total Liabilities6.37B6.54B6.86B6.83B6.96B7.26B7.67B7.70B8.04B8.98B8.88B9.07B10.15B11.62B12.70B14.43B15.75B17.87B19.95B22.77B25.36B25.50B27.60B30.39B33.13B37.37B
Total Equity559.56M588.91M604.99M627.95M653.19M681.45M693.63M713.25M695.78M685.22M730.95M773.82M837.75M929.87M992.14M1.08B1.19B1.35B1.78B1.92B2.07B2.24B2.42B2.86B3.25B3.61B
Cash143.85M70.91M168.21M242.86M231.95M40.16M35.33M39.46M719.02M1.09B1.16B751.00M1.47B2.27B2.11B2.89B3.02B3.41B5.39B7.86B7.39B10.67B13.30B12.72B15.51B14.77B
Total Debt-------75.00M75.00M75.00M75.00M75.00M27.73M100.00M100.00M100.00M100.00M100.00M100.00M200.00M200.00M400.00M650.00M899.51M1.15B1.25B
Net Debt----242.86M-231.95M-40.16M-35.33M35.54M-644.02M-1.02B-1.08B-676.00M-1.44B-2.17B-2.01B-2.79B-2.92B-3.31B-5.29B-7.66B-7.19B-10.27B-12.65B-11.82B-14.36B-13.53B

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 Flow---57.25M129.90M230.14M-1.67B-889.16M685.36M-55.68M92.64M-256.90M863.50M715.66M-125.85M1.87B120.71M593.74M1.61B2.54B-320.22M3.13B2.49B-498.75M2.50B-561.27M
Investing Cash Flow----1.13B591.05M-8.01M-34.37M-19.77M-7.64M-27.62M-27.79M-13.82M-7.32M-22.93M-21.07M-1.10B-37.26M-15.85M-33.68M-54.21M-71.25M-54.89M-45.57M-48.75M-57.65M-45.49M
Financing Cash Flow----991.89M450.25M-41.32M-22.27M38.23M-16.56M-2.25M1.60M3.50M-91.44M118.06M-19.53M-22.66M-22.52M-20.25M313.38M62.55M-48.85M157.58M194.22M193.50M168.16M2.11M
Capital Expenditure00023.96M11.47M8.10M24.37M20.42M6.64M18.25M28.02M18.50M8.84M23.47M21.29M43.59M44.55M21.07M40.91M59.35M77.25M61.39M55.11M54.76M63.83M51.85M
Free Cash Flow---33.29M118.43M222.04M-1.69B-909.59M678.72M-73.94M64.63M-275.40M854.66M692.20M-147.14M1.82B76.16M572.66M1.57B2.48B-397.46M3.07B2.43B-553.50M2.44B-613.13M
Dividends Paid---18.97M18.97M18.61M17.98M17.86M17.72M--12.51M12.85M17.93M18.92M21.60M21.56M21.59M26.97M34.53M34.59M27.65M34.60M34.55M69.04M69.31M
FCF to OCF---58.15%91.17%96.48%101.46%102.30%99.03%132.78%69.76%107.20%98.98%96.72%116.91%97.67%63.09%96.45%97.46%97.66%124.12%98.04%97.78%110.98%97.45%109.24%
Dividend Paid to FCF---56.98%16.02%8.38%-1.06%-1.96%2.61%---4.54%1.50%2.59%-12.86%1.18%28.31%3.77%1.72%1.39%-8.70%0.90%1.42%-6.24%2.83%-11.30%

Earnings

Report DateMar 31, 2007Jun 30, 2007Sep 30, 2007Dec 31, 2007Mar 31, 2008Jun 30, 2008Sep 30, 2008Dec 31, 2008Mar 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, 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 22, 2016Nov 3, 2016Feb 9, 2017May 11, 2017Aug 24, 2017Nov 8, 2017Feb 8, 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 4, 2021Jun 30, 2021Sep 30, 2021Dec 31, 2021Mar 31, 2022Jun 30, 2022Sep 30, 2022Dec 31, 2022Mar 31, 2023Jun 30, 2023Nov 9, 2023Feb 7, 2024May 1, 2024Aug 22, 2024Nov 22, 2024Feb 5, 2025Mar 31, 2025Jun 30, 2025Sep 30, 2025Dec 31, 2025Mar 31, 2026Jun 30, 2026
EPS Estimate-----------------------------------------------------------------0.000.000.000.000.000.00------
EPS Actual4.391.305.29-0.040.39-2.454.22-2.503.811.0510.63-2.739.605.404.14-1.58-4.293.699.786.615.555.926.406.20-0.3810.5710.4818.868.986.952.6912.675.3114.165.2914.4714.6418.423.6914.4615.2719.0014.1211.2715.4216.418.1610.5111.1019.0010.127.4614.1014.038.809.9017.3916.7814.5110.8712.7011.3323.8134.3031.9134.1136.5233.0333.8144.4822.6025.7033.5437.4522.0824.5836.80
Surprise-----------------------------------------------------------------------------
Timing------------------------------------After-hoursPre-marketPre-marketPre-marketAfter-hoursPre-marketAfter-hours----------------------------------

Key Statistics & Ratios

Market Cap4.62B
Enterprise Value-11.28B
Trailing P/E11.04
Forward P/E7.67
PEG Ratio1.18
Price / Sales2.88
Price / Book1.23
EPS120.95
Book Value1,084.08
Revenue (TTM)1.61B
Gross Profit (TTM)1.61B
Profit Margin26.06%
Operating Margin37.17%
Return on Equity11.79%
Return on Assets1.02%
Shares Outstanding3.46M
Shares Float2.74M
Beta0.20
Dividend Yield1.50%
Dividend Rate20.00
Payout Ratio16.54%

Dividends

20261×
20.00Mar 10, 2026
20251×
20.00Mar 12, 2025
20241×
20.00Mar 12, 2024
20231×
10.00Mar 21, 2023
20221×
10.00Mar 15, 2022
20211×
8.00Mar 9, 2021
20201×
10.00Mar 17, 2020
20191×
10.00Mar 19, 2019
20181×
9.98Mar 13, 2018
20171×
7.98Mar 14, 2017
20161×
7.98Mar 8, 2016
20151×
7.98Mar 10, 2015
20141×
6.98Mar 18, 2014
20131×
6.98Mar 12, 2013
20121×
4.99Mar 20, 2012
20111×
4.99Mar 17, 2011
20081×
6.98Mar 28, 2008
20071×
6.98Mar 20, 2007
20061×
6.98Mar 28, 2006
20051×
6.98Mar 31, 2005
20041×
6.98Mar 25, 2004
20031×
6.98Mar 26, 2003
20011×
7.98Mar 22, 2001
20001×
7.98Mar 23, 2000

Stock Splits

  • Nov 23, 2018423:422