JYSKE BANK-REG (JYS1.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:JYS1 - DK0010307958 - Common Stock
102 EUR
+0.4 (+0.39%)
Taking everything into account, JYS1 scores 3 out of 10 in our fundamental rating. JYS1 was compared to 108 industry peers in the Banks industry. Both the profitability and financial health of JYS1 have multiple concerns. JYS1 has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
JYS1 had positive earnings in the past year.
JYS1 had a negative operating cash flow in the past year.
In the past 5 years JYS1 has always been profitable.
In multiple years JYS1 reported negative operating cash flow during the last 5 years.
1.2 Ratios
With a Return On Assets value of 0.67%, JYS1 perfoms like the industry average, outperforming 44.44% of the companies in the same industry.
JYS1's Return On Equity of 9.67% is in line compared to the rest of the industry. JYS1 outperforms 44.44% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.67% | ||
| ROE | 9.67% | ||
| ROIC | N/A |
ROA(3y)0.63%
ROA(5y)0.51%
ROE(3y)10.46%
ROE(5y)8.63%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
JYS1 has a better Profit Margin (33.57%) than 82.41% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 33.57% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y16.84%
PM growth 5Y4.05%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
JYS1 does not have a ROIC to compare to the WACC, probably because it is not profitable.
JYS1 has less shares outstanding than it did 1 year ago.
JYS1 has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, JYS1 has a worse debt to assets ratio.
2.2 Solvency
A Debt/Equity ratio of 8.52 is on the high side and indicates that JYS1 has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 8.52, JYS1 is doing worse than 91.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 8.52 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC0.23%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
JYS1 shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.51%.
Measured over the past years, JYS1 shows a very strong growth in Earnings Per Share. The EPS has been growing by 22.54% on average per year.
Looking at the last year, JYS1 shows a very negative growth in Revenue. The Revenue has decreased by -59.81% in the last year.
Measured over the past years, JYS1 shows a quite strong growth in Revenue. The Revenue has been growing by 12.64% on average per year.
EPS 1Y (TTM)-6.51%
EPS 3Y23.64%
EPS 5Y22.54%
EPS Q2Q%6.82%
Revenue 1Y (TTM)-59.81%
Revenue growth 3Y1.81%
Revenue growth 5Y12.64%
Sales Q2Q%-69.63%
3.2 Future
JYS1 is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.27% yearly.
The Revenue is expected to decrease by -0.58% on average over the next years.
EPS Next Y0.11%
EPS Next 2Y-1.36%
EPS Next 3Y2.27%
EPS Next 5YN/A
Revenue Next Year-5.02%
Revenue Next 2Y-3.12%
Revenue Next 3Y-1.56%
Revenue Next 5Y-0.58%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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
JYS1 is valuated reasonably with a Price/Earnings ratio of 9.28.
Compared to the rest of the industry, the Price/Earnings ratio of JYS1 indicates a somewhat cheap valuation: JYS1 is cheaper than 73.15% of the companies listed in the same industry.
JYS1's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.98.
With a Price/Forward Earnings ratio of 9.78, the valuation of JYS1 can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of JYS1 indicates a somewhat cheap valuation: JYS1 is cheaper than 62.96% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of JYS1 to the average of the S&P500 Index (35.79), we can say JYS1 is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.28 | ||
| Fwd PE | 9.78 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
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)81.27
PEG (5Y)0.41
EPS Next 2Y-1.36%
EPS Next 3Y2.27%
5. Dividend
5.1 Amount
JYS1 has a Yearly Dividend Yield of 3.13%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 4.85, JYS1 is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.41, JYS1 pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.13% |
5.2 History
The dividend of JYS1 is nicely growing with an annual growth rate of 8.17%!
Dividend Growth(5Y)8.17%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
JYS1 pays out 30.89% 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.
DP30.89%
EPS Next 2Y-1.36%
EPS Next 3Y2.27%
FRA:JYS1 (11/20/2025, 7:00:00 PM)
102
+0.4 (+0.39%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners18.21%
Inst Owner ChangeN/A
Ins Owners0.23%
Ins Owner ChangeN/A
Market Cap6.27B
Revenue(TTM)14.88B
Net Income(TTM)5.00B
Analysts78.18
Price Target105.2 (3.14%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.13% |
Yearly Dividend1.06
Dividend Growth(5Y)8.17%
DP30.89%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)22.48%
Min EPS beat(2)15.31%
Max EPS beat(2)29.65%
EPS beat(4)4
Avg EPS beat(4)14.9%
Min EPS beat(4)4.78%
Max EPS beat(4)29.65%
EPS beat(8)7
Avg EPS beat(8)6.84%
EPS beat(12)10
Avg EPS beat(12)8.32%
EPS beat(16)12
Avg EPS beat(16)7.28%
Revenue beat(2)2
Avg Revenue beat(2)6.13%
Min Revenue beat(2)3.8%
Max Revenue beat(2)8.45%
Revenue beat(4)4
Avg Revenue beat(4)6.32%
Min Revenue beat(4)0.81%
Max Revenue beat(4)12.2%
Revenue beat(8)8
Avg Revenue beat(8)76.45%
Revenue beat(12)12
Avg Revenue beat(12)92.76%
Revenue beat(16)16
Avg Revenue beat(16)200.85%
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)1.52%
EPS NQ rev (3m)N/A
EPS NY rev (1m)4.59%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0.3%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.77%
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.28 | ||
| Fwd PE | 9.78 | ||
| P/S | 3.15 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.91 | ||
| P/tB | 0.97 | ||
| EV/EBITDA | N/A |
EPS(TTM)10.99
EY10.77%
EPS(NY)10.43
Fwd EY10.22%
FCF(TTM)-97.87
FCFYN/A
OCF(TTM)-91.82
OCFYN/A
SpS32.39
BVpS112.38
TBVpS105.24
PEG (NY)81.27
PEG (5Y)0.41
Graham Number166.7
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.67% | ||
| ROE | 9.67% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 33.57% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)0.63%
ROA(5y)0.51%
ROE(3y)10.46%
ROE(5y)8.63%
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 3Y16.84%
PM growth 5Y4.05%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 8.52 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| 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
WACC0.23%
ROIC/WACCN/A
Cap/Depr(3y)305.96%
Cap/Depr(5y)253.29%
Cap/Sales(3y)7.71%
Cap/Sales(5y)7.99%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-6.51%
EPS 3Y23.64%
EPS 5Y22.54%
EPS Q2Q%6.82%
EPS Next Y0.11%
EPS Next 2Y-1.36%
EPS Next 3Y2.27%
EPS Next 5YN/A
Revenue 1Y (TTM)-59.81%
Revenue growth 3Y1.81%
Revenue growth 5Y12.64%
Sales Q2Q%-69.63%
Revenue Next Year-5.02%
Revenue Next 2Y-3.12%
Revenue Next 3Y-1.56%
Revenue Next 5Y-0.58%
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-208.92%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-201.26%
OCF growth 3YN/A
OCF growth 5YN/A
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 of JYSKE BANK-REG (JYS1.DE) 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.
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 0.11% in the next year.
Is the dividend of JYSKE BANK-REG sustainable?
The dividend rating of JYSKE BANK-REG (JYS1.DE) is 4 / 10 and the dividend payout ratio is 30.89%.