NORDEA BANK ABP (04Q.DE) Fundamental Analysis & Valuation

FRA:04Q • FI4000297767

Current stock price

14.515 EUR
+0.16 (+1.11%)
Last:

This 04Q.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. 04Q.DE Profitability Analysis

1.1 Basic Checks

  • In the past year 04Q was profitable.
  • 04Q had a negative operating cash flow in the past year.
  • Each year in the past 5 years 04Q has been profitable.
  • The reported operating cash flow has been mixed in the past 5 years: 04Q reported negative operating cash flow in multiple years.
04Q.DE Yearly Net Income VS EBIT VS OCF VS FCF04Q.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B -5B 10B 15B 20B

1.2 Ratios

  • 04Q's Return On Assets of 0.74% is in line compared to the rest of the industry. 04Q outperforms 46.85% of its industry peers.
  • With a decent Return On Equity value of 14.85%, 04Q is doing good in the industry, outperforming 78.38% of the companies in the same industry.
Industry RankSector Rank
ROA 0.74%
ROE 14.85%
ROIC N/A
ROA(3y)0.79%
ROA(5y)0.73%
ROE(3y)15.36%
ROE(5y)13.8%
ROIC(3y)N/A
ROIC(5y)N/A
04Q.DE Yearly ROA, ROE, ROIC04Q.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • 04Q has a better Profit Margin (37.88%) than 89.19% of its industry peers.
  • In the last couple of years the Profit Margin of 04Q has grown nicely.
  • The Operating Margin and Gross Margin are not available for 04Q so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 37.88%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y4.2%
PM growth 5Y9.64%
GM growth 3YN/A
GM growth 5YN/A
04Q.DE Yearly Profit, Operating, Gross Margins04Q.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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1

2. 04Q.DE Health Analysis

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
  • 04Q has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for 04Q is higher compared to a year ago.
04Q.DE Yearly Shares Outstanding04Q.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B
04Q.DE Yearly Total Debt VS Total Assets04Q.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200B 400B 600B

2.2 Solvency

  • 04Q has a Debt/Equity ratio of 4.67. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of 04Q (4.67) is worse than 92.79% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.67
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.49%
04Q.DE Yearly LT Debt VS Equity VS FCF04Q.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50B 100B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
04Q.DE Yearly Current Assets VS Current Liabilites04Q.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. 04Q.DE Growth Analysis

3.1 Past

  • 04Q shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -2.10%.
  • The Earnings Per Share has been growing by 20.11% on average over the past years. This is a very strong growth
  • The Revenue has decreased by -2.16% in the past year.
  • The Revenue has been growing slightly by 6.30% on average over the past years.
EPS 1Y (TTM)-2.1%
EPS 3Y13.8%
EPS 5Y20.11%
EPS Q2Q%6.25%
Revenue 1Y (TTM)-2.16%
Revenue growth 3Y6.09%
Revenue growth 5Y6.3%
Sales Q2Q%-0.24%

3.2 Future

  • Based on estimates for the next years, 04Q will show a decrease in Earnings Per Share. The EPS will decrease by -3.02% on average per year.
  • 04Q is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.81% yearly.
EPS Next Y3%
EPS Next 2Y4.77%
EPS Next 3Y5.51%
EPS Next 5Y-3.02%
Revenue Next Year1.93%
Revenue Next 2Y3.01%
Revenue Next 3Y3.13%
Revenue Next 5Y2.81%

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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
04Q.DE Yearly Revenue VS Estimates04Q.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2B 4B 6B 8B 10B
04Q.DE Yearly EPS VS Estimates04Q.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 0.5 1 1.5

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3

4. 04Q.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 10.37 indicates a reasonable valuation of 04Q.
  • 04Q's Price/Earnings is on the same level as the industry average.
  • The average S&P500 Price/Earnings ratio is at 24.75. 04Q is valued rather cheaply when compared to this.
  • 04Q is valuated reasonably with a Price/Forward Earnings ratio of 10.07.
  • 04Q's Price/Forward Earnings ratio is in line with the industry average.
  • 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 RankSector Rank
PE 10.37
Fwd PE 10.07
04Q.DE Price Earnings VS Forward Price Earnings04Q.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
04Q.DE Per share data04Q.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates 04Q does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)3.45
PEG (5Y)0.52
EPS Next 2Y4.77%
EPS Next 3Y5.51%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. 04Q.DE Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 7.76%, 04Q is a good candidate for dividend investing.
  • 04Q's Dividend Yield is rather good when compared to the industry average which is at 4.78. 04Q pays more dividend than 90.99% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.89, 04Q pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.76%

5.2 History

Dividend Growth(5Y)N/A
Div Incr Years3
Div Non Decr Years3
04Q.DE Yearly Dividends per share04Q.DE Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8

5.3 Sustainability

  • 67.89% of the earnings are spent on dividend by 04Q. This is not a sustainable payout ratio.
DP67.89%
EPS Next 2Y4.77%
EPS Next 3Y5.51%
04Q.DE Yearly Income VS Free CF VS Dividend04Q.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B -5B 10B 15B 20B
04Q.DE Dividend Payout.04Q.DE Dividend Payout, showing the Payout Ratio.04Q.DE Dividend Payout.PayoutRetained Earnings

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04Q.DE Fundamentals: All Metrics, Ratios and Statistics

NORDEA BANK ABP

FRA:04Q (3/30/2026, 7:00:00 PM)

14.515

+0.16 (+1.11%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-22
Inst Owners56.49%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap49.61B
Revenue(TTM)12.71B
Net Income(TTM)4.81B
Analysts76
Price Target17.83 (22.84%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.76%
Yearly Dividend0.95
Dividend Growth(5Y)N/A
DP67.89%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)4.76%
Min EPS beat(2)0.92%
Max EPS beat(2)8.61%
EPS beat(4)4
Avg EPS beat(4)4.89%
Min EPS beat(4)0.92%
Max EPS beat(4)8.61%
EPS beat(8)7
Avg EPS beat(8)4.24%
EPS beat(12)10
Avg EPS beat(12)3.61%
EPS beat(16)13
Avg EPS beat(16)0.46%
Revenue beat(2)1
Avg Revenue beat(2)0%
Min Revenue beat(2)-0.2%
Max Revenue beat(2)0.21%
Revenue beat(4)2
Avg Revenue beat(4)-0.4%
Min Revenue beat(4)-2.02%
Max Revenue beat(4)0.41%
Revenue beat(8)4
Avg Revenue beat(8)-0.12%
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)0%
PT rev (3m)10.45%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.36%
EPS NY rev (1m)0.27%
EPS NY rev (3m)0.56%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.47%
Revenue NY rev (1m)0.01%
Revenue NY rev (3m)0.29%
Valuation
Industry RankSector Rank
PE 10.37
Fwd PE 10.07
P/S 3.9
P/FCF N/A
P/OCF N/A
P/B 1.53
P/tB 1.75
EV/EBITDA N/A
EPS(TTM)1.4
EY9.65%
EPS(NY)1.44
Fwd EY9.93%
FCF(TTM)-0.95
FCFYN/A
OCF(TTM)-0.93
OCFYN/A
SpS3.72
BVpS9.49
TBVpS8.29
PEG (NY)3.45
PEG (5Y)0.52
Graham Number17.29
Profitability
Industry RankSector Rank
ROA 0.74%
ROE 14.85%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 37.88%
GM N/A
FCFM N/A
ROA(3y)0.79%
ROA(5y)0.73%
ROE(3y)15.36%
ROE(5y)13.8%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y4.2%
PM growth 5Y9.64%
GM growth 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 4.67
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 12.95%
Cap/Sales 0.62%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score2
WACC5.49%
ROIC/WACCN/A
Cap/Depr(3y)14.42%
Cap/Depr(5y)24.55%
Cap/Sales(3y)0.67%
Cap/Sales(5y)1.3%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-2.1%
EPS 3Y13.8%
EPS 5Y20.11%
EPS Q2Q%6.25%
EPS Next Y3%
EPS Next 2Y4.77%
EPS Next 3Y5.51%
EPS Next 5Y-3.02%
Revenue 1Y (TTM)-2.16%
Revenue growth 3Y6.09%
Revenue growth 5Y6.3%
Sales Q2Q%-0.24%
Revenue Next Year1.93%
Revenue Next 2Y3.01%
Revenue Next 3Y3.13%
Revenue Next 5Y2.81%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-1.96%
EBIT Next 3Y2.92%
EBIT Next 5YN/A
FCF growth 1Y-497.91%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-449.23%
OCF growth 3YN/A
OCF growth 5YN/A

NORDEA BANK ABP / 04Q.DE Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for NORDEA BANK ABP?

ChartMill assigns a fundamental rating of 3 / 10 to 04Q.DE.


What is the valuation status of NORDEA BANK ABP (04Q.DE) stock?

ChartMill assigns a valuation rating of 3 / 10 to NORDEA BANK ABP (04Q.DE). This can be considered as Overvalued.


What is the profitability of 04Q stock?

NORDEA BANK ABP (04Q.DE) has a profitability rating of 3 / 10.


What are the PE and PB ratios of NORDEA BANK ABP (04Q.DE) stock?

The Price/Earnings (PE) ratio for NORDEA BANK ABP (04Q.DE) is 10.37 and the Price/Book (PB) ratio is 1.53.


How financially healthy is NORDEA BANK ABP?

The financial health rating of NORDEA BANK ABP (04Q.DE) is 1 / 10.