Jyske Bank A/S

Jyske Bank A/S maintains a capital structure with a debt-to-equity ratio of 9.28, indicating a high reliance on debt financing relative to equity. The bank's liquidity position is assessed as medium, with a negative net cash position after subtracting total debt, which could pose challenges in meeting short-term obligations. Free cash flow of 931 million DKK provides some flexibility, but the operating cash flow of -13.38 billion DKK suggests ongoing operational cash outflows.

Profitability metrics for Jyske Bank A/S show a return on equity (ROE) of 2.63% and a return on assets (ROA) of 0.17%, both of which are below the typical thresholds for strong performance in the banking industry. These figures suggest that the bank is generating relatively modest returns for its shareholders and asset base, which may indicate inefficiencies or a conservative lending strategy.

The bank's revenue is primarily concentrated in Denmark, with no significant international operations disclosed in the available data. This geographic concentration could expose the bank to local economic fluctuations and regulatory changes, which may impact its overall performance. There is no detailed breakdown of revenue by business segment, but the bank's primary operations are in retail and corporate banking, asset management, and insurance.

Jyske Bank A/S reported revenue of 2.43 billion DKK, with a net income of 1.29 billion DKK. While the bank is profitable, the outlook for the current fiscal year is not explicitly provided. The bank's growth trajectory is not clearly defined, and there is no indication of significant revenue growth in the near term. The absence of detailed growth projections makes it difficult to assess the bank's future performance.

The risk assessment for Jyske Bank A/S indicates a medium liquidity risk and a low dilution risk. The bank's liquidity position is constrained by a negative net cash position after subtracting total debt, which could affect its ability to meet short-term obligations. However, the dilution risk is low, suggesting that the bank is not expected to issue additional shares in the near term, which is a positive sign for existing shareholders.

Recent events and filings for Jyske Bank A/S do not provide specific details on recent developments, but the bank's financial performance and risk profile suggest a stable but conservative approach to operations. The bank's free cash flow and operating cash flow figures indicate that it is managing its cash flows with some efficiency, but the negative operating cash flow is a concern that may require further investigation.

Net income grew at a 14.3% CAGR over four years, demonstrating strong historical profitability expansion.

Total assets expanded at a 4.7% CAGR, reflecting consistent balance sheet growth over the five-year period.

Equity grew at an 8.1% CAGR, supporting capital base expansion and potential for future lending capacity.

Analysts maintain a buy recommendation with a mean price target of 986.4 DKK, signaling professional confidence.

Revenue declined 6.3% year-over-year in FY0, signaling a contraction in top-line operating performance.

The 2.63% ROE falls in the bottom quartile of the bank cohort, indicating weak capital efficiency.

The 9.28 debt-to-equity ratio is in the bottom quartile, suggesting significantly higher leverage than peers.

Free cash flow dropped 4.0% year-over-year, indicating a recent deterioration in cash generation capabilities.

The current market price of 1003.0 DKK exceeds the mean analyst target, implying limited upside potential.

Revenue kr 2.15B, −6,5% YoY; Net income +2,4% YoY.

• ▍Revenue kr 2.15B, −6,5% YoY
• ▍Net income +2,4% YoY
• ▍Free cash flow −12,7% YoY
• ▍Net margin 67.7%

Revenue kr 2.21B, −7,8% YoY; Net income −4,2% YoY.

• ▍Revenue kr 2.21B, −7,8% YoY
• ▍Net income −4,2% YoY
• ▍Free cash flow −4,6% YoY
• ▍Net margin 58.0%

Revenue kr 2.21B, −9,3% YoY; Net income −2,3% YoY.

• ▍Revenue kr 2.21B, −9,3% YoY
• ▍Net income −2,3% YoY
• ▍Free cash flow −111,1% YoY
• ▍Net margin 56.9%

Revenue kr 2.23B; Net margin 56.9%.

• ▍Revenue kr 2.23B
• ▍Net margin 56.9%

Revenue kr 2.30B; Net margin 61.8%.

• ▍Revenue kr 2.30B
• ▍Net margin 61.8%

Revenue kr 2.40B; Net margin 55.8%.

• ▍Revenue kr 2.40B
• ▍Net margin 55.8%

Revenue kr 2.43B; Net margin 52.9%.

• ▍Revenue kr 2.43B
• ▍Net margin 52.9%

Revenue kr 8.76B, −6,3% YoY; Net income +1,9% YoY.

• ▍Revenue kr 8.76B, −6,3% YoY
• ▍Net income +1,9% YoY
• ▍Free cash flow −4,0% YoY
• ▍Net margin 61.8%

Revenue kr 9.36B, −3,0% YoY; Net income −10,0% YoY.

• ▍Revenue kr 9.36B, −3,0% YoY
• ▍Net income −10,0% YoY
• ▍Free cash flow −24,9% YoY
• ▍Net margin 56.8%

Revenue kr 9.65B, +63,6% YoY; Net income +57,4% YoY.

• ▍Revenue kr 9.65B, +63,6% YoY
• ▍Net income +57,4% YoY
• ▍Free cash flow +59,5% YoY
• ▍Net margin 61.2%

Revenue kr 5.90B, +17,0% YoY; Net income +18,1% YoY.

• ▍Revenue kr 5.90B, +17,0% YoY
• ▍Net income +18,1% YoY
• ▍Free cash flow −1,4% YoY
• ▍Net margin 63.6%

Revenue kr 5.04B; Net margin 63.0%.

• ▍Revenue kr 5.04B
• ▍Net margin 63.0%