DSN Fundamental Analysis - DANSKE BANK A/S

Fundamental Rating

DSN gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 114 industry peers in the Banks industry. DSN has a bad profitability rating. Also its financial health evaluation is rather negative. DSN has a expensive valuation and it also scores bad on growth.

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1. Profitability

1.1 Basic Checks

DSN had positive earnings in the past year.

DSN had a negative operating cash flow in the past year.

Of the past 5 years DSN 4 years were profitable.

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

1.2 Ratios

With a Return On Assets value of 0.62%, DSN perfoms like the industry average, outperforming 40.35% of the companies in the same industry.

DSN has a Return On Equity (12.83%) which is in line with its industry peers.

		Industry Rank	Sector Rank
ROA	0.62%
ROE	12.83%
ROIC	N/A

ROA(3y)0.36%

ROA(5y)0.3%

ROE(3y)7.55%

ROE(5y)6.42%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

DSN has a Profit Margin (22.85%) which is in line with its industry peers.

In the last couple of years the Profit Margin of DSN has grown nicely.

DSN 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)	22.85%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y29.26%

PM growth 5Y11.12%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

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

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

Compared to 5 years ago, DSN has less shares outstanding

DSN has a worse debt/assets ratio than last year.

2.2 Solvency

DSN has a Debt/Equity ratio of 6.21. This is a high value indicating a heavy dependency on external financing.

DSN's Debt to Equity ratio of 6.21 is on the low side compared to the rest of the industry. DSN is outperformed by 90.35% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	6.21
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC4.15%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 0.00% over the past year.

The Earnings Per Share has been growing by 10.65% on average over the past years. This is quite good.

Looking at the last year, DSN shows a very negative growth in Revenue. The Revenue has decreased by -21.66% in the last year.

Measured over the past years, DSN shows a decrease in Revenue. The Revenue has been decreasing by -0.48% on average per year.

EPS 1Y (TTM)0%

EPS 3Y23.8%

EPS 5Y10.65%

EPS Q2Q%-6.94%

Revenue 1Y (TTM)-21.66%

Revenue growth 3Y-4.26%

Revenue growth 5Y-0.48%

Sales Q2Q%-51.52%

3.2 Future

DSN is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.23% yearly.

DSN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.15% yearly.

EPS Next Y-0.59%

EPS Next 2Y1.48%

EPS Next 3Y3%

EPS Next 5Y4.23%

Revenue Next Year1.61%

Revenue Next 2Y1.65%

Revenue Next 3Y1.97%

Revenue Next 5Y2.15%

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 accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 11.58, which indicates a very decent valuation of DSN.

DSN's Price/Earnings ratio is in line with the industry average.

When comparing the Price/Earnings ratio of DSN to the average of the S&P500 Index (26.59), we can say DSN is valued rather cheaply.

DSN is valuated reasonably with a Price/Forward Earnings ratio of 11.06.

DSN's Price/Forward Earnings is on the same level as the industry average.

When comparing the Price/Forward Earnings ratio of DSN to the average of the S&P500 Index (24.03), we can say DSN is valued rather cheaply.

		Industry Rank	Sector Rank
PE	11.58
Fwd PE	11.06

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)1.09

EPS Next 2Y1.48%

EPS Next 3Y3%

More info and screens

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5. Dividend

5.1 Amount

DSN does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	0%

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DANSKE BANK A/S

FRA:DSN (12/23/2025, 7:00:00 PM)

42.25

+0.22 (+0.52%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)10-31 2025-10-31/bmo

Earnings (Next)02-05 2026-02-05/amc

Inst Owners27.11%

Inst Owner ChangeN/A

Ins Owners0.04%

Ins Owner ChangeN/A

Market Cap35.28B

Revenue(TTM)99.47B

Net Income(TTM)22.73B

Analysts77.5

Price Target39.19 (-7.24%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	0%

Yearly Dividend2.88

Dividend Growth(5Y)20.47%

DP77.73%

Div Incr YearsN/A

Div Non Decr YearsN/A

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)0.21%

Min EPS beat(2)-0.66%

Max EPS beat(2)1.08%

EPS beat(4)3

Avg EPS beat(4)4.83%

Min EPS beat(4)-0.66%

Max EPS beat(4)14.08%

EPS beat(8)6

Avg EPS beat(8)3.95%

EPS beat(12)10

Avg EPS beat(12)4.33%

EPS beat(16)11

Avg EPS beat(16)-59.86%

Revenue beat(2)0

Avg Revenue beat(2)-1.05%

Min Revenue beat(2)-1.51%

Max Revenue beat(2)-0.58%

Revenue beat(4)2

Avg Revenue beat(4)22.98%

Min Revenue beat(4)-1.51%

Max Revenue beat(4)78.5%

Revenue beat(8)6

Avg Revenue beat(8)73.93%

Revenue beat(12)10

Avg Revenue beat(12)66.77%

Revenue beat(16)14

Avg Revenue beat(16)78.43%

PT rev (1m)N/A

PT rev (3m)N/A

EPS NQ rev (1m)0.56%

EPS NQ rev (3m)N/A

EPS NY rev (1m)0.96%

EPS NY rev (3m)N/A

Revenue NQ rev (1m)0.24%

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0.18%

Revenue NY rev (3m)N/A

Valuation

		Industry Rank	Sector Rank
PE	11.58
Fwd PE	11.06
P/S	2.65
P/FCF	N/A
P/OCF	N/A
P/B	1.49
P/tB	1.55
EV/EBITDA	N/A

EPS(TTM)3.65

EY8.64%

EPS(NY)3.82

Fwd EY9.04%

FCF(TTM)-20.92

FCFYN/A

OCF(TTM)-20.45

OCFYN/A

SpS15.95

BVpS28.4

TBVpS27.19

PEG (NY)N/A

PEG (5Y)1.09

Graham Number48.29

Profitability

		Industry Rank	Sector Rank
ROA	0.62%
ROE	12.83%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	22.85%
GM	N/A
FCFM	N/A

ROA(3y)0.36%

ROA(5y)0.3%

ROE(3y)7.55%

ROE(5y)6.42%

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 3Y29.26%

PM growth 5Y11.12%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	6.21
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	2.94%
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-Score5

WACC4.15%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)10.96%

Cap/Sales(5y)7.08%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)0%

EPS 3Y23.8%

EPS 5Y10.65%

EPS Q2Q%-6.94%

EPS Next Y-0.59%

EPS Next 2Y1.48%

EPS Next 3Y3%

EPS Next 5Y4.23%

Revenue 1Y (TTM)-21.66%

Revenue growth 3Y-4.26%

Revenue growth 5Y-0.48%

Sales Q2Q%-51.52%

Revenue Next Year1.61%

Revenue Next 2Y1.65%

Revenue Next 3Y1.97%

Revenue Next 5Y2.15%

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-244.37%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-238.63%

OCF growth 3YN/A

OCF growth 5YN/A

DANSKE BANK A/S / DSN.DE FAQ

Can you provide the ChartMill fundamental rating for DANSKE BANK A/S?

ChartMill assigns a fundamental rating of 2 / 10 to DSN.DE.

What is the valuation status of DANSKE BANK A/S (DSN.DE) stock?

ChartMill assigns a valuation rating of 3 / 10 to DANSKE BANK A/S (DSN.DE). This can be considered as Overvalued.

How profitable is DANSKE BANK A/S (DSN.DE) stock?

DANSKE BANK A/S (DSN.DE) has a profitability rating of 2 / 10.

Can you provide the PE and PB ratios for DSN stock?

The Price/Earnings (PE) ratio for DANSKE BANK A/S (DSN.DE) is 11.58 and the Price/Book (PB) ratio is 1.49.

Is the dividend of DANSKE BANK A/S sustainable?

The dividend rating of DANSKE BANK A/S (DSN.DE) is 0 / 10 and the dividend payout ratio is 77.73%.

DANSKE BANK A/S (DSN.DE) 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

More info and screens

DANSKE BANK A/S / DSN.DE FAQ

Can you provide the ChartMill fundamental rating for DANSKE BANK A/S?

What is the valuation status of DANSKE BANK A/S (DSN.DE) stock?

How profitable is DANSKE BANK A/S (DSN.DE) stock?

Can you provide the PE and PB ratios for DSN stock?

Is the dividend of DANSKE BANK A/S sustainable?