NORDEA BANK ABP(FRA:04Q) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, 04Q scores 3 out of 10 in our fundamental rating. 04Q was compared to 99 industry peers in the Banks industry. While 04Q is still in line with the averages on profitability rating, there are concerns on its financial health. 04Q is valued correctly, but it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

04Q had positive earnings in the past year.

In the past year 04Q had a positive cash flow from operations.

Each year in the past 5 years 04Q has been profitable.

In multiple years 04Q reported negative operating cash flow during the last 5 years.

1.2 Ratios

With a Return On Assets value of 0.81%, 04Q perfoms like the industry average, outperforming 52.69% of the companies in the same industry.

The Return On Equity of 04Q (15.52%) is better than 76.34% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.81%
ROE	15.52%
ROIC	N/A

ROA(3y)0.75%

ROA(5y)0.66%

ROE(3y)14.26%

ROE(5y)12.16%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

With an excellent Profit Margin value of 38.74%, 04Q belongs to the best of the industry, outperforming 90.32% of the companies in the same industry.

In the last couple of years the Profit Margin of 04Q has grown nicely.

04Q does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	38.74%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y2.57%

PM growth 5Y19.5%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

04Q does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, 04Q has less shares outstanding

The number of shares outstanding for 04Q has been reduced compared to 5 years ago.

04Q has a better debt/assets ratio than last year.

2.2 Solvency

The Debt to FCF ratio of 04Q is 230.81, which is on the high side as it means it would take 04Q, 230.81 years of fcf income to pay off all of its debts.

Looking at the Debt to FCF ratio, with a value of 230.81, 04Q is in the better half of the industry, outperforming 72.04% of the companies in the same industry.

04Q has a Debt/Equity ratio of 6.06. This is a high value indicating a heavy dependency on external financing.

Looking at the Debt to Equity ratio, with a value of 6.06, 04Q is doing worse than 87.10% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	6.06
Debt/FCF	230.81
Altman-Z	N/A

ROIC/WACCN/A

WACC2.04%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

04Q shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 4.38%.

Measured over the past years, 04Q shows a quite strong growth in Earnings Per Share. The EPS has been growing by 19.37% on average per year.

The Revenue has been growing slightly by 2.74% in the past year.

The Revenue has been growing slightly by 6.34% on average over the past years.

EPS 1Y (TTM)4.38%

EPS 3Y14.61%

EPS 5Y19.37%

EPS Q2Q%3.23%

Revenue 1Y (TTM)2.74%

Revenue growth 3Y7.03%

Revenue growth 5Y6.34%

Sales Q2Q%1.37%

3.2 Future

Based on estimates for the next years, 04Q will show a decrease in Earnings Per Share. The EPS will decrease by -4.84% on average per year.

Based on estimates for the next years, 04Q will show a small growth in Revenue. The Revenue will grow by 0.51% on average per year.

EPS Next Y-4.15%

EPS Next 2Y-0.88%

EPS Next 3Y1.3%

EPS Next 5Y-4.84%

Revenue Next Year-2.1%

Revenue Next 2Y-0.34%

Revenue Next 3Y0.51%

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 9.10 indicates a reasonable valuation of 04Q.

Compared to the rest of the industry, the Price/Earnings ratio of 04Q is on the same level as its industry peers.

04Q is valuated cheaply when we compare the Price/Earnings ratio to 29.35, which is the current average of the S&P500 Index.

04Q is valuated reasonably with a Price/Forward Earnings ratio of 9.49.

Compared to the rest of the industry, the Price/Forward Earnings ratio of 04Q is on the same level as its industry peers.

When comparing the Price/Forward Earnings ratio of 04Q to the average of the S&P500 Index (22.10), we can say 04Q is valued rather cheaply.

		Industry Rank	Sector Rank
PE	9.1
Fwd PE	9.49

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of 04Q indicates a somewhat cheap valuation: 04Q is cheaper than 74.19% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	53.31
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.47

EPS Next 2Y-0.88%

EPS Next 3Y1.3%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 7.76%, 04Q is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 5.06, 04Q pays a better dividend. On top of this 04Q pays more dividend than 94.62% of the companies listed in the same industry.

04Q's Dividend Yield is rather good when compared to the S&P500 average which is at 2.33.

		Industry Rank	Sector Rank
Dividend Yield	7.76%

5.2 History

The dividend of 04Q has a limited annual growth rate of 5.87%.

Dividend Growth(5Y)5.87%

Div Incr Years2

Div Non Decr Years2

5.3 Sustainability

63.94% of the earnings are spent on dividend by 04Q. This is not a sustainable payout ratio.

04Q's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.

DP63.94%

EPS Next 2Y-0.88%

EPS Next 3Y1.3%

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NORDEA BANK ABP

FRA:04Q (3/7/2025, 7:00:00 PM)

13.01

-0.04 (-0.34%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-30 2025-01-30/bmo

Earnings (Next)04-16 2025-04-16

Inst Owners57.59%

Inst Owner ChangeN/A

Ins Owners0.02%

Ins Owner ChangeN/A

Market Cap45.42B

Analysts82.5

Price Target13.96 (7.3%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	7.76%

Yearly Dividend0.92

Dividend Growth(5Y)5.87%

DP63.94%

Div Incr Years2

Div Non Decr Years2

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)0.73%

Min EPS beat(2)-0.78%

Max EPS beat(2)2.23%

EPS beat(4)3

Avg EPS beat(4)3.58%

Min EPS beat(4)-0.78%

Max EPS beat(4)12.31%

EPS beat(8)6

Avg EPS beat(8)2.97%

EPS beat(12)9

Avg EPS beat(12)-1.01%

EPS beat(16)13

Avg EPS beat(16)2.18%

Revenue beat(2)1

Avg Revenue beat(2)-0.34%

Min Revenue beat(2)-0.84%

Max Revenue beat(2)0.17%

Revenue beat(4)2

Avg Revenue beat(4)0.16%

Min Revenue beat(4)-0.84%

Max Revenue beat(4)1.71%

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)3.03%

PT rev (3m)2.64%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0.83%

EPS NY rev (1m)0.26%

EPS NY rev (3m)-1.05%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-0.13%

Revenue NY rev (1m)0.05%

Revenue NY rev (3m)-0.49%

Valuation

		Industry Rank	Sector Rank
PE	9.1
Fwd PE	9.49
P/S	3.5
P/FCF	53.31
P/OCF	50.13
P/B	1.4
P/tB	1.59
EV/EBITDA	N/A

EPS(TTM)1.43

EY10.99%

EPS(NY)1.37

Fwd EY10.54%

FCF(TTM)0.24

FCFY1.88%

OCF(TTM)0.26

OCFY1.99%

SpS3.72

BVpS9.29

TBVpS8.18

PEG (NY)N/A

PEG (5Y)0.47

Profitability

		Industry Rank	Sector Rank
ROA	0.81%
ROE	15.52%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	38.74%
GM	N/A
FCFM	6.56%

ROA(3y)0.75%

ROA(5y)0.66%

ROE(3y)14.26%

ROE(5y)12.16%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y2.57%

PM growth 5Y19.5%

GM growth 3YN/A

GM growth 5YN/A

F-Score3

Asset Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	6.06
Debt/FCF	230.81
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	0.42%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	16.93%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score3

WACC2.04%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)0.56%

Cap/Sales(5y)2.16%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)4.38%

EPS 3Y14.61%

EPS 5Y19.37%

EPS Q2Q%3.23%

EPS Next Y-4.15%

EPS Next 2Y-0.88%

EPS Next 3Y1.3%

EPS Next 5Y-4.84%

Revenue 1Y (TTM)2.74%

Revenue growth 3Y7.03%

Revenue growth 5Y6.34%

Sales Q2Q%1.37%

Revenue Next Year-2.1%

Revenue Next 2Y-0.34%

Revenue Next 3Y0.51%

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next Year-9.5%

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y112.99%

FCF growth 3Y-63.26%

FCF growth 5YN/A

OCF growth 1Y114%

OCF growth 3Y-62.79%

OCF growth 5YN/A

NORDEA BANK ABP (04Q.DE) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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