NORDEA BANK ABP (1NDA.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1NDA - FI4000297767 - Common Stock
14.745 EUR
-0.12 (-0.84%)
Overall 1NDA gets a fundamental rating of 3 out of 10. We evaluated 1NDA against 103 industry peers in the Banks industry. 1NDA has a medium profitability rating, but doesn't score so well on its financial health evaluation. 1NDA has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year 1NDA was profitable.
1NDA had a negative operating cash flow in the past year.
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's Return On Assets of 0.74% is in line compared to the rest of the industry. 1NDA outperforms 50.94% of its industry peers.
1NDA has a better Return On Equity (15.18%) than 80.19% 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
1NDA has a Profit Margin of 37.68%. This is amongst the best in the industry. 1NDA outperforms 87.74% 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) | 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
1NDA does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, 1NDA has less shares outstanding
The number of shares outstanding for 1NDA has been reduced compared to 5 years ago.
Compared to 1 year ago, 1NDA 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 1NDA has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 6.35, 1NDA is doing worse than 91.51% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.35 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.48%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
1NDA shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -2.82%.
The Earnings Per Share has been growing by 19.37% on average over the past years. This is quite good.
1NDA shows a decrease in Revenue. In the last year, the revenue decreased by -1.97%.
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
1NDA is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.24% yearly.
The Revenue is expected to grow by 0.93% on average over the next years.
EPS Next Y-1.8%
EPS Next 2Y-0.44%
EPS Next 3Y1.39%
EPS Next 5Y2.24%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
1NDA is valuated reasonably with a Price/Earnings ratio of 10.68.
The rest of the industry has a similar Price/Earnings ratio as 1NDA.
The average S&P500 Price/Earnings ratio is at 25.45. 1NDA is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 10.40, which indicates a very decent valuation of 1NDA.
The rest of the industry has a similar Price/Forward Earnings ratio as 1NDA.
1NDA is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.46, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.68 | ||
| Fwd PE | 10.4 |
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)0.55
EPS Next 2Y-0.44%
EPS Next 3Y1.39%
5. Dividend
5.1 Amount
1NDA has a Yearly Dividend Yield of 7.76%, which is a nice return.
Compared to an average industry Dividend Yield of 4.86, 1NDA pays a better dividend. On top of this 1NDA pays more dividend than 89.62% of the companies listed in the same industry.
1NDA's Dividend Yield is rather good when compared to the S&P500 average which is at 2.42.
| 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
1NDA pays out 68.28% of its income as dividend. This is not a sustainable payout ratio.
The dividend of 1NDA is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP68.28%
EPS Next 2Y-0.44%
EPS Next 3Y1.39%
BIT:1NDA (11/14/2025, 7:00:00 PM)
14.745
-0.12 (-0.84%)
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 Cap50.88B
Revenue(TTM)12.70B
Net Income(TTM)4.79B
Analysts77.33
Price Target15.68 (6.34%)
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 YearsN/A
Div Non Decr YearsN/A
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)6
Avg Revenue beat(8)2.14%
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)9.74%
PT rev (3m)7.91%
EPS NQ rev (1m)4.86%
EPS NQ rev (3m)4.77%
EPS NY rev (1m)7.48%
EPS NY rev (3m)7.48%
Revenue NQ rev (1m)0.07%
Revenue NQ rev (3m)-0.14%
Revenue NY rev (1m)-0.24%
Revenue NY rev (3m)-0.24%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.68 | ||
| Fwd PE | 10.4 | ||
| P/S | 4.01 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.61 | ||
| P/tB | 1.85 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.38
EY9.36%
EPS(NY)1.42
Fwd EY9.61%
FCF(TTM)-2.14
FCFYN/A
OCF(TTM)-2.11
OCFYN/A
SpS3.68
BVpS9.13
TBVpS7.96
PEG (NY)N/A
PEG (5Y)0.55
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
WACC6.48%
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 5Y2.24%
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 / 1NDA.MI FAQ
What is the ChartMill fundamental rating of NORDEA BANK ABP (1NDA.MI) stock?
ChartMill assigns a fundamental rating of 3 / 10 to 1NDA.MI.
Can you provide the valuation status for NORDEA BANK ABP?
ChartMill assigns a valuation rating of 3 / 10 to NORDEA BANK ABP (1NDA.MI). This can be considered as Overvalued.
What is the profitability of 1NDA stock?
NORDEA BANK ABP (1NDA.MI) has a profitability rating of 4 / 10.
Can you provide the expected EPS growth for 1NDA stock?
The Earnings per Share (EPS) of NORDEA BANK ABP (1NDA.MI) is expected to decline by -1.8% in the next year.
Is the dividend of NORDEA BANK ABP sustainable?
The dividend rating of NORDEA BANK ABP (1NDA.MI) is 6 / 10 and the dividend payout ratio is 68.28%.