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

Fundamental Rating

04Q gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 97 industry peers in the Banks industry. There are concerns on the financial health of 04Q while its profitability can be described as average. 04Q has a valuation in line with the averages, 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.

04Q had a positive operating cash flow in the past year.

In the past 5 years 04Q has always been profitable.

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

1.2 Ratios

04Q has a Return On Assets (0.76%) which is comparable to the rest of the industry.

With an excellent Return On Equity value of 16.49%, 04Q belongs to the best of the industry, outperforming 83.51% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.76%
ROE	16.49%
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

The Profit Margin of 04Q (38.06%) is better than 89.69% of its industry peers.

04Q's Profit Margin has improved in the last couple of years.

The Operating Margin and Gross Margin are not available for 04Q so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	38.06%
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.

Compared to 1 year ago, 04Q has about the same debt to assets ratio.

2.2 Solvency

04Q has a debt to FCF ratio of 17.67. This is a negative value and a sign of low solvency as 04Q would need 17.67 years to pay back of all of its debts.

With a decent Debt to FCF ratio value of 17.67, 04Q is doing good in the industry, outperforming 77.32% of the companies in the same industry.

04Q has a Debt/Equity ratio of 6.84. This is a high value indicating a heavy dependency on external financing.

04Q has a Debt to Equity ratio of 6.84. This is amonst the worse of the industry: 04Q underperforms 89.69% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	6.84
Debt/FCF	17.67
Altman-Z	N/A

ROIC/WACCN/A

WACC6.56%

2.3 Liquidity

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

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The earnings per share for 04Q have decreased by -2.78% in the last year.

04Q shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 19.37% yearly.

Looking at the last year, 04Q shows a small growth in Revenue. The Revenue has grown by 0.55% in the last year.

Measured over the past years, 04Q shows a small growth in Revenue. The Revenue has been growing by 6.34% on average per year.

EPS 1Y (TTM)-2.78%

EPS 3Y14.61%

EPS 5Y19.37%

EPS Q2Q%-7.89%

Revenue 1Y (TTM)0.55%

Revenue growth 3Y7.03%

Revenue growth 5Y6.34%

Sales Q2Q%-3.6%

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.

The Revenue is expected to decrease by -2.12% on average over the next years.

EPS Next Y-5.31%

EPS Next 2Y-1.67%

EPS Next 3Y0.63%

EPS Next 5Y-4.84%

Revenue Next Year-2.89%

Revenue Next 2Y-0.73%

Revenue Next 3Y0.58%

Revenue Next 5Y-2.12%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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

Based on the Price/Earnings ratio of 8.65, the valuation of 04Q can be described as reasonable.

04Q's Price/Earnings is on the same level as the industry average.

The average S&P500 Price/Earnings ratio is at 27.85. 04Q is valued rather cheaply when compared to this.

04Q is valuated reasonably with a Price/Forward Earnings ratio of 8.76.

Based on the Price/Forward Earnings ratio, 04Q is valued a bit cheaper than the industry average as 61.86% of the companies are valued more expensively.

Compared to an average S&P500 Price/Forward Earnings ratio of 20.77, 04Q is valued rather cheaply.

		Industry Rank	Sector Rank
PE	8.65
Fwd PE	8.76

4.2 Price Multiples

04Q's Price/Free Cash Flow ratio is rather cheap when compared to the industry. 04Q is cheaper than 83.51% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	3.68
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.45

EPS Next 2Y-1.67%

EPS Next 3Y0.63%

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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 5.42, 04Q pays a better dividend. On top of this 04Q pays more dividend than 87.63% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.45, 04Q pays a better dividend.

		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

04Q pays out 132.21% of its income as dividend. 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.

DP132.21%

EPS Next 2Y-1.67%

EPS Next 3Y0.63%

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NORDEA BANK ABP

FRA:04Q (4/30/2025, 7:00:00 PM)

12.11

+0.05 (+0.41%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-16 2025-04-16/bmo

Earnings (Next)07-17 2025-07-17

Inst Owners57.59%

Inst Owner ChangeN/A

Ins Owners0.02%

Ins Owner ChangeN/A

Market Cap42.27B

Analysts82.5

Price Target13.45 (11.07%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	7.76%

Yearly Dividend0.92

Dividend Growth(5Y)5.87%

DP132.21%

Div Incr Years2

Div Non Decr Years2

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)2.92%

Min EPS beat(2)-0.78%

Max EPS beat(2)6.63%

EPS beat(4)3

Avg EPS beat(4)2.16%

Min EPS beat(4)-0.78%

Max EPS beat(4)6.63%

EPS beat(8)6

Avg EPS beat(8)1.93%

EPS beat(12)10

Avg EPS beat(12)5.18%

EPS beat(16)13

Avg EPS beat(16)1.46%

Revenue beat(2)1

Avg Revenue beat(2)-0.22%

Min Revenue beat(2)-0.84%

Max Revenue beat(2)0.41%

Revenue beat(4)2

Avg Revenue beat(4)-0.17%

Min Revenue beat(4)-0.84%

Max Revenue beat(4)0.41%

Revenue beat(8)3

Avg Revenue beat(8)-0.75%

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)-3.62%

PT rev (3m)-0.08%

EPS NQ rev (1m)-0.33%

EPS NQ rev (3m)-0.53%

EPS NY rev (1m)-1.44%

EPS NY rev (3m)-2.25%

Revenue NQ rev (1m)-0.37%

Revenue NQ rev (3m)-0.77%

Revenue NY rev (1m)-0.8%

Revenue NY rev (3m)-0.75%

Valuation

		Industry Rank	Sector Rank
PE	8.65
Fwd PE	8.76
P/S	3.28
P/FCF	3.68
P/OCF	3.64
P/B	1.42
P/tB	1.64
EV/EBITDA	N/A

EPS(TTM)1.4

EY11.56%

EPS(NY)1.38

Fwd EY11.42%

FCF(TTM)3.3

FCFY27.21%

OCF(TTM)3.32

OCFY27.45%

SpS3.69

BVpS8.52

TBVpS7.37

PEG (NY)N/A

PEG (5Y)0.45

Profitability

		Industry Rank	Sector Rank
ROA	0.76%
ROE	16.49%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	38.06%
GM	N/A
FCFM	89.23%

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-Score5

Asset Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	6.84
Debt/FCF	17.67
Debt/EBITDA	N/A
Cap/Depr	18.15%
Cap/Sales	0.79%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	234.47%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC6.56%

ROIC/WACCN/A

Cap/Depr(3y)13.57%

Cap/Depr(5y)39.58%

Cap/Sales(3y)0.65%

Cap/Sales(5y)2.22%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-2.78%

EPS 3Y14.61%

EPS 5Y19.37%

EPS Q2Q%-7.89%

EPS Next Y-5.31%

EPS Next 2Y-1.67%

EPS Next 3Y0.63%

EPS Next 5Y-4.84%

Revenue 1Y (TTM)0.55%

Revenue growth 3Y7.03%

Revenue growth 5Y6.34%

Sales Q2Q%-3.6%

Revenue Next Year-2.89%

Revenue Next 2Y-0.73%

Revenue Next 3Y0.58%

Revenue Next 5Y-2.12%

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next Year-11.69%

EBIT Next 3Y-2.66%

EBIT Next 5YN/A

FCF growth 1Y112.43%

FCF growth 3Y-63.8%

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

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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