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LHV1T.TL — — Banks

LHV Group AS

$3,42
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Mcap
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P/E
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EV / Rev
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Div yield
4,93 %
Op margin
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ROE
15,1 %
Net margin
48,6 %
Debt / equity
1,63
Beta
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52w range
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Volume
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Day range
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Prev close
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Open
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Next earnings
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Ex-dividend
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TR 1Y
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About

LHV Group AS is a financial services company operating in the banking sector, primarily generating revenue through interest income, fees, and financial services.

Business. LHV Group AS (LHV1T.TL) is a banking institution operating within the Financials sector, specifically engaged in banking and investment services. The company generates revenue primarily through interest income, consistent with standard banking industry models. Specific details regarding its operating segments, headquarters location, and primary stock exchange listing are not provided in the available data. Consequently, the description is limited to its industry classification and general business activity.

Classification92 %
SectorFinancials
Business sectorBanking & Investment Services
IndustryBanks
Generated · model-assisted
Sell-side consensus
—consensus pending
— buy— hold— sell
Avg 12m price target—
Upcoming events
— missing data
See all catalysts →

At a glance

Score
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not yet scored
Valuation
—
valuation pending
Analysts
—
not yet wired
Ownership
—
not yet wired
Profitability→
15,1 %
return on equity
Quality
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not yet scored

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

0
  • No recent newsroom coverage mentioning LHV1T.

    • Sector rotation

    Sector1D1Mvs mkt
    Materials+2,3 %+6,6 %+1,7 %
    Communication Services+2,2 %−5,5 %+1,6 %
    Energy+0,6 %+3,3 %+0,0 %
    Health Care+0,6 %−0,8 %+0,0 %
    Information Technology+0,6 %+6,7 %+0,0 %
    Consumer Discretionary+0,4 %+7,6 %−0,2 %
    Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %
    Consumer Staples−0,4 %+2,5 %−1,0 %
    Real Estate−0,7 %+10,9 %−1,3 %
    Industrials−1,9 %−3,1 %−2,5 %
    Utilities−1,9 %+28,2 %−2,5 %

    Developing storylines

    No tracked sagas currently linked to LHV1T.TL. Browse all sagas →

    Analysis

    AI analysis
    Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

    Opportunity

    — missing data

    Upcoming catalysts

    Scheduled public events. Informational only — not investment advice.

    • Peers
    • DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
    • EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
    • EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
    • Macro
    • Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
    • Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
    • Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
    • Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
    • Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
    • Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
    • Macro & political
    • ElectionSE Swedish Election2026-09-14 · SE
    • ElectionUS U.S. Midterms2026-11-03 · US
    • ElectionFR French Legislative2027-06-01 · FR

    Pre-earnings brief

    — missing data

    Signals & dispatch

    peak dispatch · —

    Composite-score breakdown

    Synthesis

    Business

    LHV Group AS (LHV1T.TL) is a banking institution operating within the Financials sector, specifically engaged in banking and investment services. The company generates revenue primarily through interest income, consistent with standard banking industry models. Specific details regarding its operating segments, headquarters location, and primary stock exchange listing are not provided in the available data. Consequently, the description is limited to its industry classification and general business activity.

    Classification92 %
    SectorFinancials
    Business sectorBanking & Investment Services
    IndustryBanks
    AI synthesis
    GENERATED

    LHV Group AS maintains a capital structure with a debt-to-equity ratio of 1.63, indicating a moderate reliance on debt financing. The company's liquidity position is assessed as medium, with a negative net cash position after subtracting total debt. Free cash flow for the period was EUR 95.9 million, while operating cash flow was EUR 474.4 million, suggesting the company generates sufficient cash to support operations and potentially fund dividends or share repurchases.

    Profitability metrics show a return on equity (ROE) of 15.08%, which is strong relative to the industry median for banks. However, the return on assets (ROA) of 1.12% is lower than the typical ROA for the banking sector, indicating that the company is not utilizing its assets as efficiently as its peers.

    The company's revenue is concentrated in its core banking operations, with no disclosed geographic diversification or segment breakdown in the provided data. This lack of segmentation makes it difficult to assess exposure to specific markets or product lines.

    Growth trajectory is not clearly defined in the data, as no forward-looking revenue or earnings guidance is provided. Historical revenue for the period was EUR 235.1 million, with net income of EUR 114.3 million. Analyst estimates for the most recent actual revenue and EPS were EUR 73.7 million and EUR 0.09, respectively, suggesting a significant discrepancy between reported and estimated figures.

    Risk factors include a medium liquidity risk and a low dilution risk. The company's negative net cash position after subtracting total debt raises concerns about its ability to meet short-term obligations without additional financing. No dilution sources are identified in the data, and the dilution risk is assessed as low.

    Recent events and filings are not detailed in the provided data, so no specific recent developments can be cited. The company's financial performance and risk profile suggest a need for continued monitoring of liquidity and capital structure.

    Key takeaways
    • LHV Group AS has a strong ROE of 15.08% but a lower ROA of 1.12%, indicating efficient equity use but less efficient asset utilization.
    • The company's debt-to-equity ratio of 1.63 suggests a moderate reliance on debt financing.
    • Free cash flow of EUR 95.9 million supports operational flexibility and potential shareholder returns.
    • Liquidity risk is assessed as medium, with a negative net cash position after subtracting total debt.
    • No dilution sources are identified, and the dilution risk is assessed as low.
    • The company's growth trajectory is unclear due to the absence of forward-looking guidance.

    Bull / Bear case

    Generated · model-assisted
    — missing data

    In focus — financials by report

    Valuation

    Market price
    $3,42
    Market cap
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    Enterprise valueⓘ
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    P/Eⓘ
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    Non-GAAP P/Eⓘ
    —
    EV / Revenueⓘ
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    EV / Op incomeⓘ
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    EV / OCFⓘ
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    P / Bⓘ
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    P / Tangible bookⓘ
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    Tangible book
    $757.9M
    Net cashⓘ
    -$1.24B
    Current ratioⓘ
    —
    Debt / equityⓘ
    1.6
    ROAⓘ
    1.1%
    ROEⓘ
    15.1%
    Cash conversionⓘ
    415.0%
    CapEx / revenueⓘ
    -1.1%
    SBC / revenueⓘ
    —
    Dilution ratioⓘ
    0.0%

    Revenue by segment

    Market share

    — missing data

    Business relationships

    — missing data

    Supply chain

    — missing data

    Peer comparison

    — missing data

    Market position

    Stress test

    — missing data

    Predictor forecast

    Options

    — missing data

    Short squeeze

    — missing data

    Earnings-call key lines

    — missing data

    Estimate revisions

    consensus EPS · 26-week trend
    — missing data

    Sell-side observations

    — missing data

    Themes

    — missing data

    ESG

    — missing data

    Risk factors

    Dilution riskLow
    Liquidity riskMedium
    Filing-based flags
    • Net cash is negative after subtracting total debt.

    Benchmarks vs cohort

    Net Margin48,6 %Above median
    ROE15,1 %Above P75
    Capex / Rev-1,1 %Above P75
    D/E1,63Bottom quartile
    Cash Conv4,15Best in class

    Corporate actions / M&A

    — missing data

    FX exposure

    — missing data

    Comparable transactions

    — missing data

    Derivatives & instruments

    — missing data

    Actions

    Ask Handelsavisen

    — missing data
    Data sources
    • Market data
    • Market data cache
    • Issuer disclosures
    • Public news
    • Earnings transcripts
    • Consensus estimates
    • ESG data
    How metrics are computed
    • Dilution Ratio
      (shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
    • Net Cash
      cash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
    • Capex To Revenue
      capital_expenditure / revenue
    • Return On Equity
      net_income / total_equity
    • Debt To Equity
      (short_term_debt + long_term_debt) / total_equity
    • Cash Conversion Ratio
      operating_cash_flow / net_income
    Source documents
    • LHV Group AS Market data — financials · 2026-05-28
    • LHV Group AS Market data — analyst estimates · 2026-05-28

    Ownership & reference

    Leadership

    • Juri HeeroMember of the Management Board
    • Martti SingiMember of the Management Board
    • Meelis PaakspuuMember of the Management Board

    Insider activity

    — missing data

    Short positioning

    — missing data

    Geographic breakdown

    — missing data
    Listings · one canonical issuer all listings resolve to the canonical
    LHV1T.TLCanonical
    — · USD

    Intel & risk

    peak dispatch · —
    OSINT findings
    Dilution riskLow
    Liquidity riskMedium
    Net cash is negative after subtracting total debt.
    Relationship graph
    LHV1TJPMBACCBanks
    This companyPeerSector

    Evidence & claims

    From filings & derived data
    — missing data

    The Thread

    Everything we know, in order
    — missing data
    Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04 Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data Premium coverage