NORDEA BANK ABP (1NDA.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1NDA - FI4000297767 - Common Stock
16.3 EUR
+0.25 (+1.56%)
Taking everything into account, 1NDA scores 3 out of 10 in our fundamental rating. 1NDA was compared to 118 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 does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
- 1NDA had positive earnings in the past year.
- In the past year 1NDA has reported a negative cash flow from operations.
- Each year in the past 5 years 1NDA has been profitable.
- In multiple years 1NDA reported negative operating cash flow during the last 5 years.
1.2 Ratios
- 1NDA has a Return On Assets (0.74%) which is comparable to the rest of the industry.
- Looking at the Return On Equity, with a value of 15.18%, 1NDA belongs to the top of the industry, outperforming 80.51% of the companies in the same industry.
| 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's Profit Margin of 37.68% is amongst the best of the industry. 1NDA outperforms 88.14% 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
- 1NDA has less shares outstanding than it did 5 years ago.
- Compared to 1 year ago, 1NDA has about the same debt to assets ratio.
2.2 Solvency
- 1NDA has a Debt/Equity ratio of 6.35. This is a high value indicating a heavy dependency on external financing.
- Looking at the Debt to Equity ratio, with a value of 6.35, 1NDA is doing worse than 94.07% 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
WACC6.79%
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%.
- 1NDA shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 19.37% yearly.
- 1NDA shows a decrease in Revenue. In the last year, the revenue decreased by -1.97%.
- 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
- 1NDA is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.24% yearly.
- 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-1.22%
EPS Next 2Y-0.02%
EPS Next 3Y1.56%
EPS Next 5Y2.24%
Revenue Next Year-3.05%
Revenue Next 2Y-0.67%
Revenue Next 3Y0.62%
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
- Based on the Price/Earnings ratio of 11.81, the valuation of 1NDA can be described as reasonable.
- 1NDA's Price/Earnings ratio is in line with the industry average.
- The average S&P500 Price/Earnings ratio is at 27.47. 1NDA is valued rather cheaply when compared to this.
- With a Price/Forward Earnings ratio of 11.40, the valuation of 1NDA can be described as very reasonable.
- The rest of the industry has a similar Price/Forward Earnings ratio as 1NDA.
- 1NDA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.26.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.81 | ||
| Fwd PE | 11.4 |
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)0.61
EPS Next 2Y-0.02%
EPS Next 3Y1.56%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 7.76%, 1NDA is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 4.05, 1NDA pays a better dividend. On top of this 1NDA pays more dividend than 94.07% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.89, 1NDA pays a better dividend.
| 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
- 68.28% of the earnings are spent on dividend by 1NDA. This is not a sustainable payout ratio.
- 1NDA's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP68.28%
EPS Next 2Y-0.02%
EPS Next 3Y1.56%
BIT:1NDA (1/6/2026, 7:00:00 PM)
16.3
+0.25 (+1.56%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-16 2025-10-16/bmo
Earnings (Next)01-29 2026-01-29/amc
Inst Owners57.39%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap56.11B
Revenue(TTM)12.70B
Net Income(TTM)4.79B
Analysts80
Price Target15.93 (-2.27%)
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)0.4%
PT rev (3m)11.44%
EPS NQ rev (1m)0.3%
EPS NQ rev (3m)5.18%
EPS NY rev (1m)0.59%
EPS NY rev (3m)8.11%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.07%
Revenue NY rev (1m)0.06%
Revenue NY rev (3m)-0.18%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.81 | ||
| Fwd PE | 11.4 | ||
| P/S | 4.42 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.78 | ||
| P/tB | 2.04 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.38
EY8.47%
EPS(NY)1.43
Fwd EY8.77%
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
WACC6.79%
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-1.22%
EPS Next 2Y-0.02%
EPS Next 3Y1.56%
EPS Next 5Y2.24%
Revenue 1Y (TTM)-1.97%
Revenue growth 3Y7.03%
Revenue growth 5Y6.34%
Sales Q2Q%-3.45%
Revenue Next Year-3.05%
Revenue Next 2Y-0.67%
Revenue Next 3Y0.62%
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 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.
What is the profitability of 1NDA stock?
NORDEA BANK ABP (1NDA.MI) has a profitability rating of 4 / 10.
Can you provide the PE and PB ratios for 1NDA stock?
The Price/Earnings (PE) ratio for NORDEA BANK ABP (1NDA.MI) is 11.81 and the Price/Book (PB) ratio is 1.78.
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 -1.22% in the next year.