NORDEA BANK ABP (1NDA.MI) Fundamental Analysis & Valuation

BIT:1NDA • FI4000297767

Current stock price

16.09 EUR
-0.21 (-1.29%)
Last:

This 1NDA.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. 1NDA.MI Profitability Analysis

1.1 Basic Checks

  • 1NDA had positive earnings in the past year.
  • 1NDA had a negative operating cash flow in the past year.
  • 1NDA had positive earnings in each of the past 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: 1NDA reported negative operating cash flow in multiple years.
1NDA.MI Yearly Net Income VS EBIT VS OCF VS FCF1NDA.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B -5B 10B 15B 20B

1.2 Ratios

  • 1NDA's Return On Assets of 0.74% is in line compared to the rest of the industry. 1NDA outperforms 45.69% of its industry peers.
  • With a decent Return On Equity value of 15.18%, 1NDA is doing good in the industry, outperforming 76.72% of the companies in the same industry.
Industry RankSector 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
1NDA.MI Yearly ROA, ROE, ROIC1NDA.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • 1NDA's Profit Margin of 37.68% is amongst the best of the industry. 1NDA outperforms 86.21% 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 RankSector 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
1NDA.MI Yearly Profit, Operating, Gross Margins1NDA.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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1

2. 1NDA.MI Health Analysis

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 a worse debt to assets ratio.
1NDA.MI Yearly Shares Outstanding1NDA.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B
1NDA.MI Yearly Total Debt VS Total Assets1NDA.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200B 400B 600B

2.2 Solvency

  • A Debt/Equity ratio of 6.35 is on the high side and indicates that 1NDA has dependencies on debt financing.
  • 1NDA has a worse Debt to Equity ratio (6.35) than 96.55% of its industry peers.
Industry RankSector Rank
Debt/Equity 6.35
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC6.84%
1NDA.MI Yearly LT Debt VS Equity VS FCF1NDA.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50B 100B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
1NDA.MI Yearly Current Assets VS Current Liabilites1NDA.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. 1NDA.MI Growth Analysis

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.
  • Looking at the last year, 1NDA shows a decrease in Revenue. The Revenue has decreased by -1.97% in the last year.
  • 1NDA shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.34% yearly.
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, 1NDA will show a small growth in Earnings Per Share. The EPS will grow by 2.24% on average per year.
  • 1NDA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.93% yearly.
EPS Next Y-1%
EPS Next 2Y0.14%
EPS Next 3Y1.97%
EPS Next 5Y2.24%
Revenue Next Year-2.99%
Revenue Next 2Y-0.7%
Revenue Next 3Y0.69%
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.
1NDA.MI Yearly Revenue VS Estimates1NDA.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2B 4B 6B 8B 10B
1NDA.MI Yearly EPS VS Estimates1NDA.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 0.5 1 1.5

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3

4. 1NDA.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 11.66, the valuation of 1NDA can be described as very reasonable.
  • 1NDA's Price/Earnings ratio is a bit more expensive when compared to the industry. 1NDA is more expensive than 64.66% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.89, 1NDA is valued rather cheaply.
  • The Price/Forward Earnings ratio is 11.22, which indicates a very decent valuation of 1NDA.
  • Based on the Price/Forward Earnings ratio, 1NDA is valued a bit more expensive than the industry average as 65.52% of the companies are valued more cheaply.
  • 1NDA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 38.50.
Industry RankSector Rank
PE 11.66
Fwd PE 11.22
1NDA.MI Price Earnings VS Forward Price Earnings1NDA.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
1NDA.MI Per share data1NDA.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 -2 4 6 8

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.6
EPS Next 2Y0.14%
EPS Next 3Y1.97%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. 1NDA.MI Dividend Analysis

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 4.47. 1NDA pays more dividend than 92.24% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, 1NDA pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.76%

5.2 History

Dividend Growth(5Y)N/A
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.
DP68.28%
EPS Next 2Y0.14%
EPS Next 3Y1.97%
1NDA.MI Yearly Income VS Free CF VS Dividend1NDA.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B -5B 10B 15B 20B
1NDA.MI Dividend Payout.1NDA.MI Dividend Payout, showing the Payout Ratio.1NDA.MI Dividend Payout.PayoutRetained Earnings

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1NDA.MI Fundamentals: All Metrics, Ratios and Statistics

NORDEA BANK ABP

BIT:1NDA (3/4/2026, 7:00:00 PM)

16.09

-0.21 (-1.29%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-22
Inst Owners56.49%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap54.99B
Revenue(TTM)12.70B
Net Income(TTM)4.79B
Analysts76
Price Target17.86 (11%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.76%
Yearly Dividend0.95
Dividend Growth(5Y)N/A
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)0%
PT rev (3m)3.47%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.3%
EPS NY rev (1m)0%
EPS NY rev (3m)0.82%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.12%
Valuation
Industry RankSector Rank
PE 11.66
Fwd PE 11.22
P/S 4.36
P/FCF N/A
P/OCF N/A
P/B 1.76
P/tB 2.02
EV/EBITDA N/A
EPS(TTM)1.38
EY8.58%
EPS(NY)1.43
Fwd EY8.91%
FCF(TTM)-2.15
FCFYN/A
OCF(TTM)-2.12
OCFYN/A
SpS3.69
BVpS9.16
TBVpS7.98
PEG (NY)N/A
PEG (5Y)0.6
Graham Number16.8611 (4.79%)
Profitability
Industry RankSector 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 RankSector 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
WACC6.84%
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 5Y2.24%
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 / 1NDA.MI Fundamental Analysis 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.


What is the valuation status for 1NDA stock?

ChartMill assigns a valuation rating of 3 / 10 to NORDEA BANK ABP (1NDA.MI). This can be considered as Overvalued.


How profitable is NORDEA BANK ABP (1NDA.MI) stock?

NORDEA BANK ABP (1NDA.MI) has a profitability rating of 3 / 10.


What is the expected EPS growth for NORDEA BANK ABP (1NDA.MI) stock?

The Earnings per Share (EPS) of NORDEA BANK ABP (1NDA.MI) is expected to decline by -1% 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%.