ALSYDB Stock Analysis: AL Sydbank | CO
Banks - Regional | CO, Denmark | Market Cap: 52.322m DKK | 12M Return: 36.1% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 67.7M
EPS Trend: 40.3%
Qual. Beats: 0
Rev. Trend: 95.9%
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
AL Sydbank A/S is a Danish-based financial institution that provides a wide range of banking and financial services to retail customers, corporates, and associations, operating both domestically and internationally. The company runs through five segments: Banking, Asset Management, AL Sydbank Markets, Treasury, and Other, offering deposits, loans, advisory services, securities trading, asset management, mortgage credit distribution, investment, pension, and insurance products. It also serves private banking clients, institutional investors, foundations, and high-net-worth individuals, while providing retail banking services and acting as a market-maker in bonds, shares, and foreign exchange for institutional clients and central banks.
The company was originally founded in 1986 and headquartered in Aabenraa, Denmark, recently rebranded from Sydbank A/S to AL Sydbank A/S in December 2025. As a diversified bank under the Financials GICS sector, AL Sydbank operates within Denmarks concentrated banking market, where a few large institutions dominate alongside regional banks. Its multi-segment structure, combining traditional banking with markets, treasury, and asset management, reflects the universal banking model common among European lenders, which allows cross-selling of financial products across retail and institutional client bases.
- Net interest margin expands as Danish central bank maintains rate outlook
- Mortgage credit distribution volume drives retail loan growth
- Asset management fees pressured by Nordic equity market correction
| Net Income: 1.59b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.28 > 1.0 |
| NWC/Revenue: -2.37k% < 20% (prev -1.65k%; Δ -722.1% < -1%) |
| CFO/TA 0.02 > 3% & CFO 7.62b > Net Income 1.59b |
| Net Debt (-8.32b) to EBITDA (1.28b): -6.52 < 3 |
| Current Ratio: 0.13 > 1.5 & < 3 |
| Outstanding Shares: last quarter (85.7m) vs 12m ago 67.38% < -2% |
| Gross Margin: 84.73% > 18% (prev 71.40%; Δ 13.33% > 0.5%) |
| Asset Turnover: 3.78% > 50% (prev 4.37%; Δ -0.59% > 0%) |
| Interest Coverage Ratio: 0.71 > 6 (EBIT TTM 1.10b / Interest Expense TTM 1.55b) |
| A: -0.70 (Total Current Assets 34.4b - Total Current Liabilities 275b) / Total Assets 345b |
| B: 0.09 (Retained Earnings 31.8b / Total Assets 345b) |
| C: 0.00 (EBIT TTM 1.10b / Avg Total Assets 268b) |
| D: 0.12 (Book Value of Equity 35.9b / Total Liabilities 309b) |
| Altman-Z'' = -4.13 = D |
| DSRI: 1.88 (Receivables 1.22b/536.0m, Revenue 10.1b/8.37b) |
| GMI: 0.84 (GM 71.40% / 84.73%) |
| AQI: 0.99 (AQ_t 0.89 / AQ_t-1 0.90) |
| SGI: 1.21 (Revenue 10.1b / 8.37b) |
| TATA: -0.02 (NI 1.59b - CFO 7.62b) / TA 345b) |
| Beneish M = -2.30 (Cap -4..+1) = BBB |
As of July 28, 2026, the stock is trading at DKK 616.00 with a total of 67,267 shares traded. Over the past week, the price has changed by +1.15%, over one month by +8.36%, over three months by +13.65% and over the past year by +36.05%.
Current recommended Stop Loss: 601.60 (which is 2.3% or 1.4 ATR below the current price).
AL Sydbank has no consensus analysts rating.
P/E Trailing = 19.5776
P/E Forward = 17.9211
P/S = 5.5041
P/B = 1.4404
P/EG = -2.25
Revenue TTM = 10.1b DKK
EBIT TTM = 1.10b DKK
EBITDA TTM = 1.28b DKK
Long Term Debt = 17.1b DKK (estimated: total debt 24.2b - short term 7.06b)
Short Term Debt = 7.06b DKK (from shortTermDebt, last quarter)
Debt = 24.2b DKK (from shortLongTermDebtTotal, last quarter)
Net Debt = -8.32b DKK (calculated: Debt 24.2b - CCE 32.5b)
Enterprise Value = 44.0b DKK (52.3b + Debt 24.2b - CCE 32.5b)
Interest Coverage Ratio = 0.71 (Ebit TTM 1.10b / Interest Expense TTM 1.55b)
EV/FCF = 5.84x (Enterprise Value 44.0b / FCF TTM 7.53b)
FCF Yield = 17.11% (FCF TTM 7.53b / Enterprise Value 44.0b)
FCF Margin = 74.27% (FCF TTM 7.53b / Revenue TTM 10.1b)
Net Margin = 15.67% (Net Income TTM 1.59b / Revenue TTM 10.1b)
Gross Margin = 84.73% ((Revenue TTM 10.1b - Cost of Revenue TTM 1.55b) / Revenue TTM)
Gross Margin QoQ = 87.44% (prev 78.21%)
Tobins Q-Ratio = 0.13 (Enterprise Value 44.0b / Total Assets 345b)
Interest Expense / Debt = 6.40% (Interest Expense 1.55b / Debt 24.2b)
Taxrate = 26.32% (689.0m / 2.62b)
NOPAT = 813.3m (EBIT 1.10b * (1 - 26.32%))
Current Ratio = 0.13 (Total Current Assets 34.4b / Total Current Liabilities 275b)
Debt / Equity = 0.67 (Debt 24.2b / totalStockholderEquity, last quarter 35.9b)
Debt / EBITDA = -6.52 (Net Debt -8.32b / EBITDA 1.28b)
Debt / FCF = -1.11 (Net Debt -8.32b / FCF TTM 7.53b)
Total Stockholder Equity = 26.2b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.59% (Net Income 1.59b / Total Assets 345b)
RoE = 6.06% (Net Income TTM 1.59b / Total Stockholder Equity 26.2b)
RoCE = 2.55% (EBIT 1.10b / Capital Employed (Equity 26.2b + L.T.Debt 17.1b))
RoIC = 1.07% (NOPAT 813.3m / Invested Capital 76.3b)
WACC = 6.41% (E(52.3b)/V(76.5b) * Re(7.19%) + D(24.2b)/V(76.5b) * Rd(6.40%) * (1-Tc(0.26)))
Discount Rate = 7.19% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 60.31 | Cagr: 21.70%
[DCF] Terminal Value 77.97% ; FCFF base≈5.98b ; Y1≈6.85b ; Y5≈10.1b
[DCF] Fair Price = 1.89k (EV 152b - Net Debt -8.32b = Equity 160b / Shares 84.9m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 40.35 | EPS CAGR: 5.16% | SUE: -0.25 | # QB: 0
Revenue Correlation: 95.94 | Revenue CAGR: 13.23% | SUE: N/A | # QB: 0
EPS current Quarter (2026-06-30): EPS=11.85 | Chg30d=+2.04% | Revisions=-25% | Analysts=3
EPS next Quarter (2026-09-30): EPS=13.86 | Chg30d=+0.43% | Revisions=+25% | Analysts=3
EPS current Year (2026-12-31): EPS=49.25 | Chg30d=+0.78% | Revisions=+50% | GrowthEPS=-5.9% | GrowthRev=+68.1%
EPS next Year (2027-12-31): EPS=60.98 | Chg30d=-0.93% | Revisions=+50% | GrowthEPS=+23.8% | GrowthRev=+4.6%
[Analyst] Revisions Ratio: +55% (up=7, down=1)