AL Sydbank ALSYDB.CO
DenmarkFinancial Services · Banks - RegionalNasdaq Copenhague · DKK
752.50 DKK (+5.6%)
4 analysts
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Sydbank is a Danish regional bank offering retail, commercial, and wealth management banking services to private individuals and businesses in Denmark.
Listed on Nasdaq Copenhague · Symbol ALSYDB.CO · CPH: ALSYDB · Currency DKK
Key points
from its scores- ✓High-quality business8.9
- ✓Favourable backdrop8.5
- ✓Strong growth7.3
- ✕Demanding valuation3.3
- ✕Fragile balance sheet3.8
AI analysis
bottom line, main risk, context and newsThe solid quality of the business and the attractive dividend offset a not particularly cheap valuation and stagnant earnings growth.
Sydbank shows excellent operating profitability (operating margin of 46.26%) and exceptional revenue growth of 91.70%, although earnings growth is flat (1.00%). Valuation is demanding on P/E (23.21) but more reasonable on a forward basis (11.71), and the dividend offers a net yield of 3.09% with a payout of 79.11%.
The main risk is geographic concentration in the small and competitive Danish banking market, and exposure to ECB interest rate developments, which are currently favorable but could compress margins if the cycle turns.
Context and risks
Sydbank operates in Denmark, a country with solid institutions and minority shareholder protection, but the Danish banking sector is under active supervision regarding capital and anti-money laundering. The regulatory risk is moderate and already reflected in the country's governance reference.
Is AL Sydbank stock cheap or expensive?
at the analysis dateOn P/E and Price / book, it trades 32% above the Financial Services median on average.
| Multiple | Company | Sector | Difference |
|---|---|---|---|
| P/E | 23.2 | 13.7 | +69% |
| Price / book | 1.7 | 1.9 | −6% |
| Price / sales | 5.5 | 3.5 | +59% |
Sector: median of the 351 Financial Services companies analysed. In bold, the multiples used for the comparison.
Valuation score: 3.3 out of 10 (median for Financial Services: 5.2).
Average analyst target: 752.50 DKK, +5.6% versus the price.
A premium can be justified if the company is of higher quality or grows faster than its sector: Quality / Moat 8.9 (sector 8.8), Growth 7.3 (sector 6.9).
Classic formulas with standard assumptions (10.0% growth, 8-9% discount rate). Indicative only: they change a lot with the assumptions and are not a recommendation.
Work out its fair value yourself →How much would you have made investing every month? →
Comparing it with its sector does not say whether it is a good buy: this is not investment advice.
Score by category
0 to 10 · hover overtap each one to see what it measuresKey metrics
at the analysis date · compared with the Financial Services medianValuation
- P/E
- 23.2
- Forward P/E
- 11.7
- Price / book
- 1.7
- Price / sales
- 5.5
- PEG
- 11.71
- Market cap
- 60.5B DKK
- Enterprise value
- 17.6B DKK
Profitability
- ROE
- 9.3%
- ROA
- 0.9%
- ROIC (approx.)
- 6.8%
- Gross margin
- 0.0%
- Operating margin
- 46.3%
- Net margin
- 22.2%
Solvency
- Total debt
- 40.3B DKK
- Net debt
- −42.9B DKK
- Cash
- 83.2B DKK
Growth
- Revenue growth
- +91.7%
- Earnings growth
- +1.0%
- EPS (TTM)
- 30.70 DKK
- EPS (forward)
- 60.85 DKK
Dividend
- Dividend yield
- 3.5%
- Payout
- 79.1%
Risk and market
- Beta
- 0.41
- Analyst consensus
- Strong buy (4)
- Target price
- 752.50 DKK
- 52-week range
- 489.80 – 739.50
Recent news
All ALSYDB.CO news →Compare it with its sector
All 351 in Financial Services →Frequently asked questions about AL Sydbank
Is AL Sydbank stock cheap or expensive?
On P/E and Price / book, it trades 32% above the Financial Services median on average. Valuation score: 3.3 out of 10 (median for Financial Services: 5.2). Average analyst target: 752.50 DKK, +5.6% versus the price. This is not investment advice.
What score does AL Sydbank get on MeridIAn Screener?
It scores 6.3 out of 10, rank 693 of 2,130 (better than 63% of the companies analysed). Its strongest category is Quality / Moat (8.9) and its weakest, Valuation (3.3). Analysis of 08/10/2026.
What is AL Sydbank's P/E ratio?
Its P/E is 23.2: the share price equals 23.2 times earnings per share over the last 12 months. The Financial Services median is 13.7. Based on the earnings analysts expect, the forward P/E is 11.7.
How much is AL Sydbank worth on the stock market?
Its market capitalisation is 60.5B DKK.
Does AL Sydbank pay a dividend?
Yes: its dividend yield is 3.51% and it pays out 79% of its earnings.
How has AL Sydbank stock performed over the last year?
It has risen 40.0% over the last year, excluding dividends. Over the last 52 weeks it has traded between 489.80 and 739.50 DKK. Past performance does not guarantee future results.
What do analysts think of AL Sydbank?
4 analysts cover it; their average recommendation is “Strong buy” and their average target is 752.50 DKK (+5.6% versus the price). It is an estimate, not market data.