NORDEA BANK ABP (04Q.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:04Q - FI4000297767 - Common Stock
16.335 EUR
+0.03 (+0.15%)
We assign a fundamental rating of 2 out of 10 to 04Q. 04Q was compared to 118 industry peers in the Banks industry. 04Q has a bad profitability rating. Also its financial health evaluation is rather negative. 04Q has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
04Q had positive earnings in the past year.
In the past year 04Q has reported a negative cash flow from operations.
04Q had positive earnings in each of the past 5 years.
In multiple years 04Q reported negative operating cash flow during the last 5 years.
1.2 Ratios
04Q has a Return On Assets of 0.74%. This is comparable to the rest of the industry: 04Q outperforms 48.31% of its industry peers.
04Q has a Return On Equity of 15.18%. This is in the better half of the industry: 04Q outperforms 79.66% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.74% | ||
| ROE | 15.18% | ||
| 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 better Profit Margin (37.68%) than 87.29% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 37.68% | ||
| 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
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
Compared to 1 year ago, 04Q has about the same debt to assets ratio.
2.2 Solvency
A Debt/Equity ratio of 6.35 is on the high side and indicates that 04Q has dependencies on debt financing.
With a Debt to Equity ratio value of 6.35, 04Q is not doing good in the industry: 94.92% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.35 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.78%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for 04Q have decreased by -2.82% in the last year.
The Earnings Per Share has been growing by 19.37% on average over the past years. This is quite good.
The Revenue has decreased by -1.97% in the past year.
The Revenue has been growing slightly by 6.34% on average over the past years.
EPS 1Y (TTM)-2.82%
EPS 3Y14.61%
EPS 5Y19.37%
EPS Q2Q%0%
Revenue 1Y (TTM)-1.97%
Revenue growth 3Y7.03%
Revenue growth 5Y6.34%
Sales Q2Q%-3.45%
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 grow by 0.93% on average over the next years.
EPS Next Y-1%
EPS Next 2Y0.14%
EPS Next 3Y1.97%
EPS Next 5Y-4.84%
Revenue Next Year-2.99%
Revenue Next 2Y-0.7%
Revenue Next 3Y0.69%
Revenue Next 5Y0.93%
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.
4. Valuation
4.1 Price/Earnings Ratio
04Q is valuated reasonably with a Price/Earnings ratio of 11.84.
Compared to the rest of the industry, the Price/Earnings ratio of 04Q is on the same level as its industry peers.
04Q's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.25.
With a Price/Forward Earnings ratio of 11.39, the valuation of 04Q can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 04Q is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.98, 04Q is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.84 | ||
| Fwd PE | 11.39 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.61
EPS Next 2Y0.14%
EPS Next 3Y1.97%
5. Dividend
5.1 Amount
04Q has a Yearly Dividend Yield of 7.76%, which is a nice return.
Compared to an average industry Dividend Yield of 4.05, 04Q pays a better dividend. On top of this 04Q pays more dividend than 93.22% of the companies listed in the same industry.
04Q's Dividend Yield is rather good when compared to the S&P500 average which is at 1.92.
| 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
04Q pays out 68.28% of its income as dividend. 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.
DP68.28%
EPS Next 2Y0.14%
EPS Next 3Y1.97%
FRA:04Q (1/9/2026, 7:00:00 PM)
16.335
+0.03 (+0.15%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners55.1%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap56.23B
Revenue(TTM)12.70B
Net Income(TTM)4.79B
Analysts78.67
Price Target16.15 (-1.13%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.76% |
Yearly Dividend0.92
Dividend Growth(5Y)5.87%
DP68.28%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.02%
Min EPS beat(2)3.42%
Max EPS beat(2)8.61%
EPS beat(4)3
Avg EPS beat(4)4.47%
Min EPS beat(4)-0.78%
Max EPS beat(4)8.61%
EPS beat(8)6
Avg EPS beat(8)2.55%
EPS beat(12)10
Avg EPS beat(12)4.69%
EPS beat(16)13
Avg EPS beat(16)0.81%
Revenue beat(2)1
Avg Revenue beat(2)-0.91%
Min Revenue beat(2)-2.02%
Max Revenue beat(2)0.21%
Revenue beat(4)2
Avg Revenue beat(4)-0.56%
Min Revenue beat(4)-2.02%
Max Revenue beat(4)0.41%
Revenue beat(8)4
Avg Revenue beat(8)-0.68%
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)1.86%
PT rev (3m)11.67%
EPS NQ rev (1m)0.3%
EPS NQ rev (3m)5.51%
EPS NY rev (1m)0.22%
EPS NY rev (3m)8.65%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.34%
Revenue NY rev (1m)0.06%
Revenue NY rev (3m)0.25%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.84 | ||
| Fwd PE | 11.39 | ||
| P/S | 4.43 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.78 | ||
| P/tB | 2.05 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.38
EY8.45%
EPS(NY)1.43
Fwd EY8.78%
FCF(TTM)-2.15
FCFYN/A
OCF(TTM)-2.12
OCFYN/A
SpS3.69
BVpS9.16
TBVpS7.98
PEG (NY)N/A
PEG (5Y)0.61
Graham Number16.86
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.74% | ||
| ROE | 15.18% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 37.68% | ||
| GM | N/A | ||
| FCFM | 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
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 3Y2.57%
PM growth 5Y19.5%
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.35 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 18.33% | ||
| Cap/Sales | 0.81% | ||
| 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-Score3
WACC6.78%
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)-2.82%
EPS 3Y14.61%
EPS 5Y19.37%
EPS Q2Q%0%
EPS Next Y-1%
EPS Next 2Y0.14%
EPS Next 3Y1.97%
EPS Next 5Y-4.84%
Revenue 1Y (TTM)-1.97%
Revenue growth 3Y7.03%
Revenue growth 5Y6.34%
Sales Q2Q%-3.45%
Revenue Next Year-2.99%
Revenue Next 2Y-0.7%
Revenue Next 3Y0.69%
Revenue Next 5Y0.93%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-6.65%
EBIT Next 3Y-2.03%
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 FAQ
Can you provide the ChartMill fundamental rating for NORDEA BANK ABP?
ChartMill assigns a fundamental rating of 2 / 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 11.84 and the Price/Book (PB) ratio is 1.78.
How financially healthy is NORDEA BANK ABP?
The financial health rating of NORDEA BANK ABP (04Q.DE) is 1 / 10.