JYSK Stock Analysis: Jyske Bank | CO
Banks - Regional | CO, Denmark | Market Cap: 57.462m DKK | 12M Return: 61.1% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 75.3M
EPS Trend: -2.7%
Qual. Beats: 0
Rev. Trend: 51.4%
Qual. Beats: 0
Warnings
Tailwinds
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.
Jyske Bank A/S is a Danish financial services group operating in Denmark and Germany through three core segments: Banking Activities (advisory, trading, and investment services for personal, private banking, corporate, and institutional customers), Mortgage Activities (financing of real property for personal, corporate, and subsidized rental housing customers in Denmark), and Leasing Activities (car and equipment leasing/financing for the corporate sector). The company also offers pension and insurance products, investment and asset management, and digital banking services. Founded in 1917 and headquartered in Silkeborg, Denmark, Jyske Bank is listed as a mid-cap diversified bank under the Financials sector.
As a Danish mortgage lender, Jyske Bank operates within Denmarks distinctive realcredit (covered bond) system, in which mortgage financing is traditionally funded through the issuance of mortgage-backed bonds matched by loan portfolios-a structural feature that sets Danish mortgage banking apart from most other markets and aligns mortgage providers closely with capital markets funding.
- Danish mortgage margin expansion lifts net interest income
- Leasing portfolio growth drives corporate segment revenue
- Capital return accelerates via buybacks and dividends
| Net Income: 5.07b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.07 > 0.02 and ΔFCF/TA -7.40 > 1.0 |
| NWC/Revenue: -1.01k% < 20% (prev -605.2%; Δ -401.0% < -1%) |
| CFO/TA -0.07 > 3% & CFO -50.9b > Net Income 5.07b |
| Net Debt (447b) to EBITDA (7.74b): 57.81 < 3 |
| Current Ratio: 0.09 > 1.5 & < 3 |
| Outstanding Shares: last quarter (58.1m) vs 12m ago -5.50% < -2% |
| Gross Margin: 53.74% > 18% (prev 72.33%; Δ -18.60% > 0.5%) |
| Asset Turnover: 3.44% > 50% (prev 3.80%; Δ -0.36% > 0%) |
| Interest Coverage Ratio: 0.59 > 6 (EBIT TTM 6.98b / Interest Expense TTM 11.7b) |
| A: -0.35 (Total Current Assets 25.2b - Total Current Liabilities 291b) / Total Assets 755b |
| B: 0.06 (Retained Earnings 45.3b / Total Assets 755b) |
| C: 0.01 (EBIT TTM 6.98b / Avg Total Assets 768b) |
| D: 0.07 (Book Value of Equity 46.2b / Total Liabilities 708b) |
| Altman-Z'' = -1.99 = D |
| DSRI: 1.15 (Receivables 1.01b/987.0m, Revenue 26.4b/29.7b) |
| GMI: 1.35 (GM 72.33% / 53.74%) |
| AQI: 1.08 (AQ_t 0.96 / AQ_t-1 0.89) |
| SGI: 0.89 (Revenue 26.4b / 29.7b) |
| TATA: 0.07 (NI 5.07b - CFO -50.9b) / TA 755b) |
| Beneish M = -2.62 (Cap -4..+1) = A |
As of July 28, 2026, the stock is trading at DKK 1013.00 with a total of 47,682 shares traded. Over the past week, the price has changed by +1.35%, over one month by +7.94%, over three months by +15.38% and over the past year by +61.13%.
Current recommended Stop Loss: 992.00 (which is 2.1% or 1.3 ATR below the current price).
Jyske Bank has no consensus analysts rating.
P/E Trailing = 12.208
P/E Forward = 7.6394
P/S = 4.056
P/B = 1.1095
P/EG = 0.859
Revenue TTM = 26.4b DKK
EBIT TTM = 6.98b DKK
EBITDA TTM = 7.74b DKK
Long Term Debt = 464b DKK (estimated: total debt 472b - short term 7.42b)
Short Term Debt = 7.42b DKK (from shortTermDebt, last quarter)
Debt = 472b DKK (from shortLongTermDebtTotal, last quarter)
Net Debt = 447b DKK (calculated: Debt 472b - CCE 24.2b)
Enterprise Value = 505b DKK (57.5b + Debt 472b - CCE 24.2b)
Interest Coverage Ratio = 0.59 (Ebit TTM 6.98b / Interest Expense TTM 11.7b)
EV/FCF = -9.62x (Enterprise Value 505b / FCF TTM -52.5b)
FCF Yield = -10.40% (FCF TTM -52.5b / Enterprise Value 505b)
FCF Margin = -198.6% (FCF TTM -52.5b / Revenue TTM 26.4b)
Net Margin = 19.20% (Net Income TTM 5.07b / Revenue TTM 26.4b)
Gross Margin = 53.74% ((Revenue TTM 26.4b - Cost of Revenue TTM 12.2b) / Revenue TTM)
Gross Margin QoQ = 52.21% (prev 57.51%)
Tobins Q-Ratio = 0.67 (Enterprise Value 505b / Total Assets 755b)
Interest Expense / Debt = 2.49% (Interest Expense 11.7b / Debt 472b)
Taxrate = 25.38% (1.77b / 6.98b)
NOPAT = 5.21b (EBIT 6.98b * (1 - 25.38%))
Current Ratio = 0.09 (Total Current Assets 25.2b / Total Current Liabilities 291b)
Debt / Equity = 10.22 (Debt 472b / totalStockholderEquity, last quarter 46.2b)
Debt / EBITDA = 57.81 (Net Debt 447b / EBITDA 7.74b)
Debt / FCF = -8.52 (negative FCF - burning cash) (Net Debt 447b / FCF TTM -52.5b)
Total Stockholder Equity = 47.8b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.66% (Net Income 5.07b / Total Assets 755b)
RoE = 10.62% (Net Income TTM 5.07b / Total Stockholder Equity 47.8b)
RoCE = 1.36% (EBIT 6.98b / Capital Employed (Equity 47.8b + L.T.Debt 464b))
RoIC = 0.69% (NOPAT 5.21b / Invested Capital 753b)
WACC = 2.43% (E(57.5b)/V(529b) * Re(7.09%) + D(472b)/V(529b) * Rd(2.49%) * (1-Tc(0.25)))
Discount Rate = 7.09% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -98.37 | Cagr: -4.39%
[DCF] Fair Price = unknown (Cash Flow -52.5b)
EPS Correlation: -2.69 | EPS CAGR: -0.23% | SUE: 0.09 | # QB: 0
Revenue Correlation: 51.39 | Revenue CAGR: 7.01% | SUE: 0.61 | # QB: 0
EPS current Quarter (2026-06-30): EPS=20.54 | Chg30d=+6.43% | Revisions=+25% | Analysts=4
EPS next Quarter (2026-09-30): EPS=21.04 | Chg30d=+0.69% | Revisions=+25% | Analysts=4
EPS current Year (2026-12-31): EPS=83.12 | Chg30d=+1.49% | Revisions=+25% | GrowthEPS=-4.3% | GrowthRev=-4.2%
EPS next Year (2027-12-31): EPS=92.57 | Chg30d=-0.43% | Revisions=+25% | GrowthEPS=+11.4% | GrowthRev=+3.5%
[Analyst] Revisions Ratio: +57% (up=4, down=0)