Danske Bank A/S

Danske Bank maintains a capital structure characterized by high leverage typical of the banking industry, with a debt-to-equity ratio of 7.88. The balance sheet shows total assets of DKK 3.75 trillion against total liabilities of DKK 3.57 trillion, resulting in total equity of DKK 181.16 billion. Liquidity is assessed as medium risk, with a key flag noting that net cash is negative after subtracting total debt. The company generates operating cash flow of DKK 22.56 billion and free cash flow of DKK 10.34 billion, supported by capital expenditures of DKK -2.01 billion.

Profitability metrics indicate a return on equity (ROE) of 12.68% and a return on assets (ROA) of 0.61%. The company trades at a price-to-earnings ratio of 12.83 and a price-to-book ratio of 1.63, with a price-to-tangible book value also at 1.63. Net income stands at DKK 23.04 billion on revenue of DKK 36.61 billion. While specific cohort medians are not provided in the input data for direct comparison, the ROE and valuation multiples reflect the company's current market positioning within the banking sector.

Revenue concentration and geographic exposure details are not explicitly broken down in the available segment or geography sections. The company operates as a commercial bank, implying a diversified revenue stream from interest income and fees, but specific segment contributions are not disclosed in the provided data. The absence of detailed segment data limits the analysis of revenue concentration risks.

Growth trajectory analysis is constrained by the absence of historical periods data in the input. The current financial snapshot provides a single-period view of revenue and net income, but without 5-year annual or 8-quarter quarterly data, long-term growth trends cannot be quantified. The current revenue of DKK 36.61 billion serves as the baseline for any future growth assessments.

Risk assessment highlights medium liquidity risk and low dilution risk. The key flag regarding negative net cash after debt subtraction underscores the leverage inherent in the business model. Dilution risk is low, with basic and diluted shares outstanding both at 813.22 million, indicating no significant share-based compensation impact on earnings per share. The company's risk profile is further contextualized by its medium liquidity rating, which requires monitoring of cash flow stability.

Recent events and market sentiment are reflected in analyst estimates, with a mean price target of DKK 377.65 and a median target of DKK 380.00. The mean recommendation is 2.33, indicating a moderate buy sentiment, with 4 strong buys, 8 buys, and 7 holds. The high price target is DKK 407.00, while the low is DKK 312.00, suggesting a range of expectations among analysts. No specific filing, news, or transcript observations are provided in the input data.

Net income CAGR of 15.6% over four years demonstrates strong historical profitability growth for the bank.

Free cash flow surged 111.1% year-over-year to DKK 10.3 billion in the latest fiscal year.

Analysts project 5.9% upside to a mean price target of DKK 377.65 based on 21 estimates.

Debt-to-equity ratio of 7.88 places the bank in the bottom quartile relative to 1,005 peers.

Revenue declined 0.2% year-over-year in the latest fiscal year, indicating stagnation in top-line growth.

Net income fell 2.5% year-over-year to DKK 23.0 billion in the most recent fiscal period.

The bank faces a medium level of liquidity risk according to internal risk flag assessments.

Total assets contracted with a negative 1.2% CAGR over the last five years.

Revenue kr 9.34B, +3,5% YoY; Net income −1,2% YoY.

• ▍Revenue kr 9.34B, +3,5% YoY
• ▍Net income −1,2% YoY
• ▍Net margin 60.9%

Revenue kr 9.45B, +2,3% YoY; Net income +5,2% YoY.

• ▍Revenue kr 9.45B, +2,3% YoY
• ▍Net income +5,2% YoY
• ▍Net margin 66.7%

Revenue kr 9.07B, −1,0% YoY; Net income −10,5% YoY.

• ▍Revenue kr 9.07B, −1,0% YoY
• ▍Net income −10,5% YoY
• ▍Net margin 60.8%

Revenue kr 9.06B, −0,9% YoY; Net income −6,6% YoY.

• ▍Revenue kr 9.06B, −0,9% YoY
• ▍Net income −6,6% YoY
• ▍Net margin 60.2%

Revenue kr 9.02B; Net margin 63.8%.

• ▍Revenue kr 9.02B
• ▍Net margin 63.8%

Revenue kr 9.24B; Net margin 64.8%.

• ▍Revenue kr 9.24B
• ▍Net margin 64.8%

Revenue kr 9.16B; Net margin 67.3%.

• ▍Revenue kr 9.16B
• ▍Net margin 67.3%

Revenue kr 9.14B; Net margin 63.8%.

• ▍Revenue kr 9.14B
• ▍Net margin 63.8%

Revenue kr 36.61B, −0,2% YoY; Net income −2,5% YoY.

• ▍Revenue kr 36.61B, −0,2% YoY
• ▍Net income −2,5% YoY
• ▍Free cash flow +111,1% YoY
• ▍Net margin 62.9%

Revenue kr 36.70B, +4,9% YoY; Net income +11,1% YoY.

• ▍Revenue kr 36.70B, +4,9% YoY
• ▍Net income +11,1% YoY
• ▍Free cash flow −68,3% YoY
• ▍Net margin 64.4%

Revenue kr 34.97B, +38,0% YoY; Net income +564,2% YoY.

• ▍Revenue kr 34.97B, +38,0% YoY
• ▍Net income +564,2% YoY
• ▍Free cash flow +776,1% YoY
• ▍Net margin 60.8%

Revenue kr 25.35B, −5,3% YoY; Net income −135,4% YoY.

• ▍Revenue kr 25.35B, −5,3% YoY
• ▍Net income −135,4% YoY
• ▍Free cash flow −114,6% YoY
• ▍Net margin -18.1%