04Q Fundamental Analysis - NORDEA BANK ABP

Fundamental Rating

Overall 04Q gets a fundamental rating of 4 out of 10. We evaluated 04Q against 94 industry peers in the Banks industry. There are concerns on the financial health of 04Q while its profitability can be described as average. 04Q is valued correctly, but it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

In the past year 04Q was profitable.

04Q had a positive 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.

1.2 Ratios

04Q has a Return On Assets of 0.76%. This is comparable to the rest of the industry: 04Q outperforms 54.35% of its industry peers.

With an excellent Return On Equity value of 16.49%, 04Q belongs to the best of the industry, outperforming 85.87% 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

04Q has a Profit Margin of 38.06%. This is amongst the best in the industry. 04Q outperforms 90.22% 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

Compared to 5 years ago, 04Q has less shares outstanding

The debt/assets ratio for 04Q has remained at the same level compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of 04Q is 17.67, which is on the high side as it means it would take 04Q, 17.67 years of fcf income to pay off all of its debts.

04Q has a better Debt to FCF ratio (17.67) than 80.43% of its industry peers.

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 89.13% of its industry peers.

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

ROIC/WACCN/A

WACC6.5%

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

04Q shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -2.78%.

Measured over the past years, 04Q shows a quite strong growth in Earnings Per Share. The EPS has been growing by 19.37% on average per year.

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

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

04Q is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -4.84% yearly.

04Q is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -2.12% yearly.

EPS Next Y-5.31%

EPS Next 2Y-1.67%

EPS Next 3Y0.63%

EPS Next 5Y-4.84%

Revenue Next Year-2.78%

Revenue Next 2Y-0.71%

Revenue Next 3Y0.59%

Revenue Next 5Y-2.12%

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 9.12 indicates a reasonable valuation of 04Q.

The rest of the industry has a similar Price/Earnings ratio as 04Q.

04Q's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.25.

04Q is valuated reasonably with a Price/Forward Earnings ratio of 9.23.

The rest of the industry has a similar Price/Forward Earnings ratio as 04Q.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.15, 04Q is valued rather cheaply.

		Industry Rank	Sector Rank
PE	9.12
Fwd PE	9.23

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, 04Q is valued cheaply inside the industry as 86.96% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	3.86
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.47

EPS Next 2Y-1.67%

EPS Next 3Y0.63%

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5. Dividend

5.1 Amount

04Q has a Yearly Dividend Yield of 7.76%, which is a nice return.

04Q's Dividend Yield is rather good when compared to the industry average which is at 5.02. 04Q pays more dividend than 92.39% of the companies in the same industry.

04Q's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.

		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 Years3

Div Non Decr Years3

5.3 Sustainability

132.21% of the earnings are spent on dividend by 04Q. This is not a sustainable payout ratio.

The Dividend Rate of 04Q has been growing, while earnings will be declining. 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 (5/30/2025, 7:00:00 PM)

12.765

-0.06 (-0.47%)

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 Cap44.43B

Analysts82.5

Price Target13.39 (4.9%)

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 Years3

Div Non Decr Years3

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)-0.5%

PT rev (3m)-3.01%

EPS NQ rev (1m)-0.12%

EPS NQ rev (3m)1.65%

EPS NY rev (1m)0%

EPS NY rev (3m)-1.21%

Revenue NQ rev (1m)-0.07%

Revenue NQ rev (3m)-0.37%

Revenue NY rev (1m)0.11%

Revenue NY rev (3m)-0.54%

Valuation

		Industry Rank	Sector Rank
PE	9.12
Fwd PE	9.23
P/S	3.45
P/FCF	3.86
P/OCF	3.83
P/B	1.49
P/tB	1.73
EV/EBITDA	N/A

EPS(TTM)1.4

EY10.97%

EPS(NY)1.38

Fwd EY10.83%

FCF(TTM)3.3

FCFY25.89%

OCF(TTM)3.33

OCFY26.12%

SpS3.7

BVpS8.55

TBVpS7.39

PEG (NY)N/A

PEG (5Y)0.47

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

WACC6.5%

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-2.78%

Revenue Next 2Y-0.71%

Revenue Next 3Y0.59%

Revenue Next 5Y-2.12%

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next Year-9.41%

EBIT Next 3Y-2.57%

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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