NORDEA BANK ABP(BIT:1NDA) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to 1NDA. 1NDA was compared to 92 industry peers in the Banks industry. While 1NDA is still in line with the averages on profitability rating, there are concerns on its financial health. 1NDA has a valuation in line with the averages, but on the other hand it scores bad on growth.

Quickly go to:

1. Profitability

1.1 Basic Checks

In the past year 1NDA was profitable.

In the past year 1NDA had a positive cash flow from operations.

In the past 5 years 1NDA has always been profitable.

The reported operating cash flow has been mixed in the past 5 years: 1NDA reported negative operating cash flow in multiple years.

1.2 Ratios

1NDA has a Return On Assets (0.76%) which is in line with its industry peers.

1NDA's Return On Equity of 16.49% is amongst the best of the industry. 1NDA outperforms 84.54% of its industry peers.

		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

1NDA has a better Profit Margin (38.06%) than 90.72% of its industry peers.

1NDA's Profit Margin has improved in the last couple of years.

1NDA does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

2. Health

2.1 Basic Checks

1NDA does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for 1NDA has been reduced compared to 1 year ago.

The number of shares outstanding for 1NDA has been reduced compared to 5 years ago.

1NDA has about the same debt/assets ratio as last year.

2.2 Solvency

The Debt to FCF ratio of 1NDA is 17.67, which is on the high side as it means it would take 1NDA, 17.67 years of fcf income to pay off all of its debts.

1NDA has a Debt to FCF ratio of 17.67. This is in the better half of the industry: 1NDA outperforms 78.35% of its industry peers.

1NDA has a Debt/Equity ratio of 6.84. This is a high value indicating a heavy dependency on external financing.

1NDA has a worse Debt to Equity ratio (6.84) than 88.66% 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

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

1NDA shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -2.78%.

The Earnings Per Share has been growing by 19.37% on average over the past years. This is quite good.

Looking at the last year, 1NDA shows a small growth in Revenue. The Revenue has grown by 0.55% in the last year.

The Revenue has been growing slightly by 6.34% on average over the past years.

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%-10.18%

3.2 Future

Based on estimates for the next years, 1NDA will show a decrease in Earnings Per Share. The EPS will decrease by -0.84% 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-0.84%

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.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 8.41, the valuation of 1NDA can be described as reasonable.

Compared to the rest of the industry, the Price/Earnings ratio of 1NDA indicates a somewhat cheap valuation: 1NDA is cheaper than 60.82% of the companies listed in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 24.85, 1NDA is valued rather cheaply.

The Price/Forward Earnings ratio is 8.51, which indicates a very decent valuation of 1NDA.

63.92% of the companies in the same industry are more expensive than 1NDA, based on the Price/Forward Earnings ratio.

When comparing the Price/Forward Earnings ratio of 1NDA to the average of the S&P500 Index (20.89), we can say 1NDA is valued rather cheaply.

		Industry Rank	Sector Rank
PE	8.41
Fwd PE	8.51

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, 1NDA is valued cheaply inside the industry as 85.57% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	3.56
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.43

EPS Next 2Y-1.67%

EPS Next 3Y0.63%

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

1NDA has a Yearly Dividend Yield of 7.76%, which is a nice return.

1NDA's Dividend Yield is rather good when compared to the industry average which is at 5.15. 1NDA pays more dividend than 88.66% of the companies in the same industry.

1NDA's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.

		Industry Rank	Sector Rank
Dividend Yield	7.76%

5.2 History

The dividend of 1NDA has a limited annual growth rate of 5.87%.

Dividend Growth(5Y)5.87%

Div Incr YearsN/A

Div Non Decr YearsN/A

5.3 Sustainability

132.21% of the earnings are spent on dividend by 1NDA. This is not a sustainable payout ratio.

1NDA'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%

More info and screens

Find the best dividend stocks

Show peers with best dividend

NORDEA BANK ABP

BIT:1NDA (4/25/2025, 7:00:00 PM)

11.77

+2.17 (+22.63%)

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 Cap40.97B

Analysts82.5

Price Target13.62 (15.72%)

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 YearsN/A

Div Non Decr YearsN/A

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)3

Avg Revenue beat(4)1.68%

Min Revenue beat(4)-0.84%

Max Revenue beat(4)6.97%

Revenue beat(8)7

Avg Revenue beat(8)3.99%

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)-0.89%

PT rev (3m)-0.89%

EPS NQ rev (1m)1.77%

EPS NQ rev (3m)2.24%

EPS NY rev (1m)-0.95%

EPS NY rev (3m)-0.95%

Revenue NQ rev (1m)-0.3%

Revenue NQ rev (3m)-0.3%

Revenue NY rev (1m)-0.75%

Revenue NY rev (3m)-0.75%

Valuation

		Industry Rank	Sector Rank
PE	8.41
Fwd PE	8.51
P/S	3.18
P/FCF	3.56
P/OCF	3.53
P/B	1.38
P/tB	1.59
EV/EBITDA	N/A

EPS(TTM)1.4

EY11.89%

EPS(NY)1.38

Fwd EY11.75%

FCF(TTM)3.3

FCFY28.08%

OCF(TTM)3.33

OCFY28.33%

SpS3.7

BVpS8.55

TBVpS7.39

PEG (NY)N/A

PEG (5Y)0.43

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-0.84%

Revenue 1Y (TTM)0.55%

Revenue growth 3Y7.03%

Revenue growth 5Y6.34%

Sales Q2Q%-10.18%

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 (1NDA.MI) 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

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens