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Hypothekarbank Lenzburg AG

Hypothekarbank Lenzburg AG

HBLN · SW · Financial Services / Mortgage Finance

4,160.00CHF+0.00 (0.00%)

Price History

Full chart

Market Stats

Previous Close4,160.00
Open4,160.00
Day Range4,160.00 – 4,160.00
52-Week Range3,826.89 – 4,260.00
Volume19
Market Cap301.75M
P/E (TTM)14.16
Forward P/E12.72
EPS296.52
Dividend Yield2.86%
Beta0.04
50-Day Avg4,183.20
200-Day Avg4,129.40

About

Hypothekarbank Lenzburg AG provides various banking services and products in Switzerland. The company offers savings accounts, including youth, extra, shareholder, and rental deposit savings accounts, as well as personal, mortgage, and property loans. It also provides debit, credit, and travel cards; wealth management, consulting, investment, treasury bonds, and fixed-term deposit services; pension products, pension securities solutions, pension and financial planning, matrimonial property and inheritance law advice, and tax services; and internet banking services. The company was founded in 1868 and is headquartered in Lenzburg, Switzerland.

Company Details

  • SectorFinancial Services
  • IndustryMortgage Finance
  • CEOMr. Silvan Hilfiker
  • Employees502
  • HeadquartersBahnhofstrasse 2, Lenzburg, Switzerland, 5600, Switzerland
  • Websitehttps://www.hbl.ch

Leadership

  • Mr. Silvan HilfikerChairman of the Executive Board, CEO & Head of Corporate Controlling · b. 1980
  • Mr. Marco SuppliziCFO, Head of Risk & Member of Executive Board
  • Mr. Reto HuenerwadelMember of the Executive Board & Head of Market Services · b. 1966
  • Dominic GublerHead of Legal, Regulatory & Compliance and Member of the Executive Board · b. 1982
  • Fabian BurkiDirector of Private & Corporate Clients division and Member of Management Board · b. 1985
  • Mr. René ZimmerliTechnical Head of the Loans & Syndicated Financing Department and Vice Director
  • Mr. Peter SchöppHead of the Marketing & Communication Department and Authorised Officer

Financials

Income Statement

Currency: CHF2003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue60.02M60.19M62.69M66.69M72.50M70.22M71.45M70.26M59.91M69.79M66.86M60.64M70.52M73.85M77.33M80.21M82.76M74.07M79.00M86.11M132.03M145.12M171.29M
Growth (%)-+0.28%+4.15%+6.38%+8.72%-3.16%+1.75%-1.66%-14.74%+16.49%-4.19%-9.31%+16.29%+4.72%+4.71%+3.73%+3.17%-10.49%+6.66%+8.99%+53.34%+9.91%+18.03%
Cost of Revenue----------000000-4.52M1.84M3.17M22.81M36.67M14.35M
Gross Profit60.02M60.19M62.69M66.69M72.50M70.22M71.45M70.26M59.91M69.79M66.86M60.64M70.52M73.85M77.33M80.21M82.76M74.07M79.00M86.11M109.22M108.45M156.94M
Gross Margin100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%82.72%74.73%91.62%
Operating Expense-8.46M-2.14M2.72M8.05M4.66M-23.72M-2.57M-88.00K-6.28M7.13M41.46M37.21M45.88M47.50M50.50M56.55M57.78M53.23M57.28M61.29M84.77M84.58M134.39M
Operating Income68.49M62.33M59.97M58.63M67.84M93.94M74.02M70.35M66.19M62.66M25.40M23.43M24.64M26.35M26.83M23.67M24.98M20.84M21.72M24.81M24.45M23.88M22.56M
Operating Margin114.10%103.55%95.66%87.92%93.57%133.78%103.60%100.13%110.48%89.79%37.99%38.64%34.94%35.68%34.70%29.51%30.18%28.14%27.49%28.82%18.52%16.45%13.17%
EBITDA70.74M23.60M29.04M30.29M85.95M97.43M78.31M80.70M76.40M67.16M1.04M2.52M-6.11M49.48M60.51M33.88M34.84M20.84M21.72M24.81M24.45M31.89M38.08M
EBITDA Margin117.85%39.20%46.32%45.41%118.54%138.75%109.61%114.86%127.53%96.23%1.56%4.15%-8.67%66.99%78.25%42.24%42.10%28.14%27.49%28.82%18.52%21.97%22.23%
Net Income15.29M15.51M18.68M19.99M22.74M23.80M22.36M23.10M22.45M21.27M21.40M21.20M21.26M21.63M22.08M20.83M21.05M18.08M18.25M18.63M21.15M20.46M20.01M
Net Income Margin25.47%25.77%29.80%29.97%31.36%33.89%31.29%32.87%37.47%30.48%32.00%34.95%30.14%29.28%28.55%25.97%25.43%24.40%23.10%21.63%16.02%14.10%11.68%
Interest Expense58.84M52.88M48.70M46.00M52.63M61.90M51.66M47.25M43.74M36.45M29.61M27.23M22.91M18.67M12.88M11.22M8.67M4.52M1.84M3.17M22.81M35.22M15.93M
Interest Expense % of Total Revenue98.03%87.85%77.68%68.97%72.59%88.16%72.30%67.25%73.01%52.23%44.28%44.90%32.49%25.29%16.65%13.98%10.48%6.10%2.33%3.69%17.28%24.27%9.30%

Balance Sheet

Currency: CHF2003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets3.29B3.30B3.44B3.53B3.66B3.73B3.88B4.01B4.18B4.33B4.41B4.51B4.68B4.94B5.04B5.20B5.39B5.92B6.45B6.66B6.89B7.23B8.57B
Total Liabilities3.11B3.11B3.23B3.31B3.42B3.47B3.61B3.72B3.80B3.94B4.00B4.09B4.25B4.49B4.58B4.73B4.91B5.42B5.94B6.14B6.36B6.69B7.97B
Total Equity187.41M196.80M209.00M222.50M238.40M254.39M268.82M284.00M375.78M392.13M407.11M421.89M435.61M449.89M464.26M474.23M487.93M498.44M509.07M519.47M531.98M543.97M603.29M
Cash46.88M39.65M36.95M45.96M31.26M37.68M53.97M34.13M439.53M424.45M142.56M282.88M383.79M481.31M464.60M476.59M623.28M966.15M1.28B1.19B1.04B853.49M1.89B
Total Debt------450.70M421.60M815.40M775.33M716.10M758.81M680.94M978.52M1.04B1.00B1.03B1.15B1.18B1.04B977.57M922.95M1.35B
Net Debt-46.88M-39.65M-36.95M-45.96M-31.26M-37.68M396.73M387.46M375.88M350.88M573.54M475.93M297.15M388.13M481.71M469.36M375.76M179.84M-102.14M-143.72M-60.75M69.46M-788.26M

Cash Flow

Currency: CHF2009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow20.91M21.87M21.01M52.81M-64.44M26.64M-5.46M6.32M8.91M9.71M25.35M28.18M-418.88M-405.40M-504.14M14.66M
Investing Cash Flow-6.82M-3.10M-3.94M-7.46M18.50M35.85M--1.60M-5.42M-15.29M-15.29M-15.29M--15.26M-14.13M-21.48M12.25M
Financing Cash Flow----52.80M77.83M-------343.26M271.05M340.80M59.00K
Capital Expenditure4.97M3.10M1.45M1.58M1.51M1.71M01.60M5.42M0000961.00K1.84M1.66M20.11M
Free Cash Flow15.94M18.76M19.56M51.23M-65.95M24.93M-3.85M901.00K8.91M9.71M25.35M28.18M-419.84M-407.25M-505.80M-5.44M
Dividends Paid----7.92M7.92M-------8.28M8.28M8.64M-
FCF to OCF76.23%85.81%93.10%97.00%102.34%93.57%-70.65%14.25%100.00%100.00%100.00%100.00%100.23%100.45%100.33%-37.11%
Dividend Paid to FCF-----12.01%31.77%--------1.97%-2.03%-1.71%-

Earnings

Report DateFeb 3, 2016Jul 8, 2016Feb 16, 2017Sep 29, 2017Mar 9, 2018Feb 19, 2019Jul 12, 2019Feb 19, 2020Jul 8, 2020Feb 18, 2021Jul 9, 2021Feb 16, 2022Oct 19, 2022Feb 13, 2023Feb 7, 2025Aug 20, 2025
EPS Estimate0.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.00
EPS Actual142.22137.83152.67136.88169.76152.81137.68154.65119.08131.99128.57125.69120.13139.340.000.00
Surprise----------------
Timing----------------

Key Statistics & Ratios

Market Cap301.75M
Enterprise Value-149.88M
Trailing P/E14.16
Forward P/E12.72
PEG Ratio0.00
Price / Sales2.19
Price / Book0.50
EPS296.52
Book Value8,396.95
Revenue (TTM)137.51M
Gross Profit (TTM)137.51M
Profit Margin15.48%
Operating Margin16.84%
Return on Equity3.56%
Return on Assets0.26%
Shares Outstanding71.85K
Shares Float71.82K
Beta0.04
Dividend Yield2.86%
Dividend Rate120.00
Payout Ratio40.47%

Dividends

20261×
120.00Mar 24, 2026
20251×
120.00Mar 18, 2025
20241×
120.00Mar 19, 2024
20231×
115.00Mar 21, 2023
20221×
115.00Mar 22, 2022
20211×
110.00Mar 23, 2021
20202×
110.00May 15, 2020110.00Mar 24, 2020
20191×
110.00Mar 19, 2019
20182×
40.00Jun 11, 2018110.00Mar 20, 2018
20171×
110.00Mar 21, 2017
20161×
110.00Mar 22, 2016
20151×
110.00Mar 24, 2015
20141×
110.00Mar 18, 2014
20131×
110.00Mar 19, 2013
20121×
110.00Mar 19, 2012
20111×
110.00Mar 21, 2011
20101×
110.00Mar 22, 2010
20091×
110.00Mar 25, 2009
20081×
105.00Jun 20, 2008
20071×
95.00Jul 5, 2007
20061×
90.00Mar 22, 2006
20051×
90.00Mar 23, 2005