NORDEA BANK ABP (04Q.DE) Stock Fundamental Analysis
Europe - FRA:04Q - FI4000297767 - Common Stock
14.415 EUR
-0.07 (-0.48%)
Overall 04Q gets a fundamental rating of 3 out of 10. We evaluated 04Q against 96 industry peers in the Banks industry. 04Q has a medium profitability rating, but doesn't score so well on its financial health evaluation. 04Q has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year 04Q was profitable.
In the past year 04Q has reported a negative cash flow from operations.
Each year in the past 5 years 04Q has been profitable.
In multiple years 04Q reported negative operating cash flow during the last 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.74%, 04Q is in line with its industry, outperforming 53.13% of the companies in the same industry.
The Return On Equity of 04Q (15.18%) is better than 84.38% 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
Looking at the Profit Margin, with a value of 37.68%, 04Q belongs to the top of the industry, outperforming 88.54% of the companies in the same industry.
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
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/Equity ratio of 6.35. This is a high value indicating a heavy dependency on external financing.
04Q has a worse Debt to Equity ratio (6.35) than 90.63% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.35 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.5%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
04Q shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -2.82%.
04Q shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 19.37% yearly.
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
04Q is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -4.84% yearly.
Based on estimates for the next years, 04Q will show a small growth in Revenue. The Revenue will grow by 0.93% on average per year.
EPS Next Y-1.8%
EPS Next 2Y-0.44%
EPS Next 3Y1.39%
EPS Next 5Y-4.84%
Revenue Next Year-3.11%
Revenue Next 2Y-0.74%
Revenue Next 3Y0.57%
Revenue Next 5Y0.93%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 10.45, the valuation of 04Q can be described as very reasonable.
The rest of the industry has a similar Price/Earnings ratio as 04Q.
04Q is valuated cheaply when we compare the Price/Earnings ratio to 26.06, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 10.17, the valuation of 04Q can be described as very reasonable.
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 32.73, 04Q is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.45 | ||
| Fwd PE | 10.17 |
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)0.54
EPS Next 2Y-0.44%
EPS Next 3Y1.39%
5. Dividend
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 4.84. 04Q pays more dividend than 90.63% of the companies in the same industry.
04Q's Dividend Yield is rather good when compared to the S&P500 average which is at 2.36.
| 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 2Y-0.44%
EPS Next 3Y1.39%
FRA:04Q (11/7/2025, 7:00:00 PM)
14.415
-0.07 (-0.48%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners57.39%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap49.74B
Revenue(TTM)12.70B
Net Income(TTM)4.79B
Analysts77.33
Price Target15.73 (9.12%)
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)8.77%
PT rev (3m)12.17%
EPS NQ rev (1m)4.56%
EPS NQ rev (3m)4.14%
EPS NY rev (1m)7.77%
EPS NY rev (3m)3.71%
Revenue NQ rev (1m)0.34%
Revenue NQ rev (3m)-0.1%
Revenue NY rev (1m)0.14%
Revenue NY rev (3m)-0.3%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.45 | ||
| Fwd PE | 10.17 | ||
| P/S | 3.92 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.58 | ||
| P/tB | 1.81 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.38
EY9.57%
EPS(NY)1.42
Fwd EY9.83%
FCF(TTM)-2.14
FCFYN/A
OCF(TTM)-2.11
OCFYN/A
SpS3.68
BVpS9.13
TBVpS7.96
PEG (NY)N/A
PEG (5Y)0.54
Graham Number16.84
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
WACC6.5%
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)-2.82%
EPS 3Y14.61%
EPS 5Y19.37%
EPS Q2Q%0%
EPS Next Y-1.8%
EPS Next 2Y-0.44%
EPS Next 3Y1.39%
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-3.11%
Revenue Next 2Y-0.74%
Revenue Next 3Y0.57%
Revenue Next 5Y0.93%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-7.75%
EBIT Next 3Y-2.36%
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 3 / 10 to 04Q.DE.
Can you provide the valuation status for NORDEA BANK ABP?
ChartMill assigns a valuation rating of 3 / 10 to NORDEA BANK ABP (04Q.DE). This can be considered as Overvalued.
How profitable is NORDEA BANK ABP (04Q.DE) stock?
NORDEA BANK ABP (04Q.DE) has a profitability rating of 4 / 10.
How financially healthy is NORDEA BANK ABP?
The financial health rating of NORDEA BANK ABP (04Q.DE) is 1 / 10.
How sustainable is the dividend of NORDEA BANK ABP (04Q.DE) stock?
The dividend rating of NORDEA BANK ABP (04Q.DE) is 6 / 10 and the dividend payout ratio is 68.28%.