JYSKE BANK-REG (JYS1.DE) Fundamental Analysis & Valuation

FRA:JYS1 • DK0010307958

127.9 EUR
-0.4 (-0.31%)
Last: Feb 25, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership

This JYS1.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to JYS1. JYS1 was compared to 106 industry peers in the Banks industry. JYS1 has a bad profitability rating. Also its financial health evaluation is rather negative. JYS1 has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

3

1. JYS1.DE Profitability Analysis

1.1 Basic Checks

  • JYS1 had positive earnings in the past year.
  • In the past year JYS1 had a positive cash flow from operations.
  • In the past 5 years JYS1 has always been profitable.
  • In multiple years JYS1 reported negative operating cash flow during the last 5 years.
JYS1.DE Yearly Net Income VS EBIT VS OCF VS FCFJYS1.DE 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 20B -20B 40B 60B

1.2 Ratios

  • The Return On Assets of JYS1 (0.66%) is comparable to the rest of the industry.
  • Looking at the Return On Equity, with a value of 9.84%, JYS1 is in line with its industry, outperforming 45.28% of the companies in the same industry.
Industry RankSector Rank
ROA 0.66%
ROE 9.84%
ROIC N/A
ROA(3y)0.69%
ROA(5y)0.6%
ROE(3y)10.78%
ROE(5y)9.81%
ROIC(3y)N/A
ROIC(5y)N/A
JYS1.DE Yearly ROA, ROE, ROICJYS1.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • JYS1 has a better Profit Margin (30.59%) than 74.53% of its industry peers.
  • JYS1's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for JYS1 so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 30.59%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y51.91%
PM growth 5Y15.65%
GM growth 3YN/A
GM growth 5YN/A
JYS1.DE Yearly Profit, Operating, Gross MarginsJYS1.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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1

2. JYS1.DE Health Analysis

2.1 Basic Checks

  • JYS1 does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for JYS1 has been reduced compared to 1 year ago.
  • Compared to 5 years ago, JYS1 has less shares outstanding
  • JYS1 has a worse debt/assets ratio than last year.
JYS1.DE Yearly Shares OutstandingJYS1.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
JYS1.DE Yearly Total Debt VS Total AssetsJYS1.DE 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

  • The Debt to FCF ratio of JYS1 is 117.04, which is on the high side as it means it would take JYS1, 117.04 years of fcf income to pay off all of its debts.
  • With a Debt to FCF ratio value of 117.04, JYS1 perfoms like the industry average, outperforming 58.49% of the companies in the same industry.
  • A Debt/Equity ratio of 8.80 is on the high side and indicates that JYS1 has dependencies on debt financing.
  • The Debt to Equity ratio of JYS1 (8.80) is worse than 96.23% of its industry peers.
Industry RankSector Rank
Debt/Equity 8.8
Debt/FCF 117.04
Altman-Z N/A
ROIC/WACCN/A
WACC0.29%
JYS1.DE Yearly LT Debt VS Equity VS FCFJYS1.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100B 200B 300B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
JYS1.DE Yearly Current Assets VS Current LiabilitesJYS1.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50B 100B 150B

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

3

3. JYS1.DE Growth Analysis

3.1 Past

  • JYS1 shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -10.55%.
  • The Earnings Per Share has been growing by 22.54% on average over the past years. This is a very strong growth
  • The Revenue for JYS1 has decreased by -31.91% in the past year. This is quite bad
  • The Revenue has been growing by 12.64% on average over the past years. This is quite good.
EPS 1Y (TTM)-10.55%
EPS 3Y23.64%
EPS 5Y22.54%
EPS Q2Q%13.25%
Revenue 1Y (TTM)-31.91%
Revenue growth 3Y1.81%
Revenue growth 5Y12.64%
Sales Q2Q%-1.33%

3.2 Future

  • Based on estimates for the next years, JYS1 will show a small growth in Earnings Per Share. The EPS will grow by 3.00% on average per year.
  • JYS1 is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.83% yearly.
EPS Next Y2.42%
EPS Next 2Y-1.7%
EPS Next 3Y1.53%
EPS Next 5Y3%
Revenue Next Year-3.74%
Revenue Next 2Y-2.33%
Revenue Next 3Y-0.97%
Revenue Next 5Y-0.83%

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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
JYS1.DE Yearly Revenue VS EstimatesJYS1.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 10B 20B 30B 40B
JYS1.DE Yearly EPS VS EstimatesJYS1.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2029 20 40 60 80

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4

4. JYS1.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 11.94 indicates a reasonable valuation of JYS1.
  • 66.04% of the companies in the same industry are cheaper than JYS1, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of JYS1 to the average of the S&P500 Index (26.83), we can say JYS1 is valued rather cheaply.
  • The Price/Forward Earnings ratio is 12.35, which indicates a correct valuation of JYS1.
  • Based on the Price/Forward Earnings ratio, JYS1 is valued a bit more expensive than 69.81% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 24.95, JYS1 is valued rather cheaply.
Industry RankSector Rank
PE 11.94
Fwd PE 12.35
JYS1.DE Price Earnings VS Forward Price EarningsJYS1.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 64.15% of the companies in the same industry are more expensive than JYS1, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 14.95
EV/EBITDA N/A
JYS1.DE Per share dataJYS1.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80 100

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates JYS1 does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)4.93
PEG (5Y)0.53
EPS Next 2Y-1.7%
EPS Next 3Y1.53%

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

4

5. JYS1.DE Dividend Analysis

5.1 Amount

  • JYS1 has a Yearly Dividend Yield of 2.63%.
  • Compared to an average industry Dividend Yield of 4.33, JYS1 is paying slightly less dividend.
  • JYS1's Dividend Yield is a higher than the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 2.63%

5.2 History

  • On average, the dividend of JYS1 grows each year by 16.90%, which is quite nice.
Dividend Growth(5Y)16.9%
Div Incr YearsN/A
Div Non Decr YearsN/A
JYS1.DE Yearly Dividends per shareJYS1.DE Yearly Dividends per shareYearly Dividends per share 2026 5 10 15 20

5.3 Sustainability

  • JYS1 pays out 29.96% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of JYS1 is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP29.96%
EPS Next 2Y-1.7%
EPS Next 3Y1.53%
JYS1.DE Yearly Income VS Free CF VS DividendJYS1.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B -20B 40B
JYS1.DE Dividend Payout.JYS1.DE Dividend Payout, showing the Payout Ratio.JYS1.DE Dividend Payout.PayoutRetained Earnings

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JYS1.DE Fundamentals: All Metrics, Ratios and Statistics

JYSKE BANK-REG

FRA:JYS1 (2/25/2026, 7:00:00 PM)

127.9

-0.4 (-0.31%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-05
Earnings (Next)05-06
Inst Owners18.09%
Inst Owner ChangeN/A
Ins Owners0.18%
Ins Owner ChangeN/A
Market Cap7.87B
Revenue(TTM)16.83B
Net Income(TTM)5.15B
Analysts78.33
Price Target105.2 (-17.75%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.63%
Yearly Dividend3.44
Dividend Growth(5Y)16.9%
DP29.96%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)10.28%
Min Revenue beat(2)8.45%
Max Revenue beat(2)12.11%
Revenue beat(4)4
Avg Revenue beat(4)6.29%
Min Revenue beat(4)0.81%
Max Revenue beat(4)12.11%
Revenue beat(8)8
Avg Revenue beat(8)41.63%
Revenue beat(12)12
Avg Revenue beat(12)70.7%
Revenue beat(16)16
Avg Revenue beat(16)196.01%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-0.71%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)2.14%
Revenue NY rev (3m)1.64%
Valuation
Industry RankSector Rank
PE 11.94
Fwd PE 12.35
P/S 3.49
P/FCF 14.95
P/OCF 10.9
P/B 1.12
P/tB 1.2
EV/EBITDA N/A
EPS(TTM)10.71
EY8.37%
EPS(NY)10.35
Fwd EY8.09%
FCF(TTM)8.55
FCFY6.69%
OCF(TTM)11.73
OCFY9.17%
SpS36.64
BVpS113.84
TBVpS106.75
PEG (NY)4.93
PEG (5Y)0.53
Graham Number165.63
Profitability
Industry RankSector Rank
ROA 0.66%
ROE 9.84%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 30.59%
GM N/A
FCFM 23.35%
ROA(3y)0.69%
ROA(5y)0.6%
ROE(3y)10.78%
ROE(5y)9.81%
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 3Y51.91%
PM growth 5Y15.65%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 8.8
Debt/FCF 117.04
Debt/EBITDA N/A
Cap/Depr 191.85%
Cap/Sales 8.67%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 76.33%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC0.29%
ROIC/WACCN/A
Cap/Depr(3y)285.51%
Cap/Depr(5y)256.02%
Cap/Sales(3y)9.18%
Cap/Sales(5y)7.39%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-10.55%
EPS 3Y23.64%
EPS 5Y22.54%
EPS Q2Q%13.25%
EPS Next Y2.42%
EPS Next 2Y-1.7%
EPS Next 3Y1.53%
EPS Next 5Y3%
Revenue 1Y (TTM)-31.91%
Revenue growth 3Y1.81%
Revenue growth 5Y12.64%
Sales Q2Q%-1.33%
Revenue Next Year-3.74%
Revenue Next 2Y-2.33%
Revenue Next 3Y-0.97%
Revenue Next 5Y-0.83%
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 1Y111.03%
FCF growth 3Y-59.34%
FCF growth 5Y-18.87%
OCF growth 1Y116.24%
OCF growth 3Y-55.25%
OCF growth 5Y-15.26%

JYSKE BANK-REG / JYS1.DE FAQ

Can you provide the ChartMill fundamental rating for JYSKE BANK-REG?

ChartMill assigns a fundamental rating of 3 / 10 to JYS1.DE.


What is the valuation status for JYS1 stock?

ChartMill assigns a valuation rating of 4 / 10 to JYSKE BANK-REG (JYS1.DE). This can be considered as Fairly Valued.


What is the profitability of JYS1 stock?

JYSKE BANK-REG (JYS1.DE) has a profitability rating of 3 / 10.


Can you provide the financial health for JYS1 stock?

The financial health rating of JYSKE BANK-REG (JYS1.DE) is 1 / 10.


What is the expected EPS growth for JYSKE BANK-REG (JYS1.DE) stock?

The Earnings per Share (EPS) of JYSKE BANK-REG (JYS1.DE) is expected to grow by 2.42% in the next year.