JYSKE BANK-REG (JYS1.DE) Stock Fundamental Analysis
Europe • Frankfurt Stock Exchange • FRA:JYS1 • DK0010307958
123 EUR
-0.8 (-0.65%)
Last: Jan 30, 2026, 07:00 PM
Overall JYS1 gets a fundamental rating of 3 out of 10. We evaluated JYS1 against 111 industry peers in the Banks industry. Both the profitability and financial health of JYS1 have multiple concerns. JYS1 is valued expensive and it does not seem to be growing.
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.
- Each year in the past 5 years JYS1 has been profitable.
- The reported operating cash flow has been mixed in the past 5 years: JYS1 reported negative operating cash flow in multiple years.
1.2 Ratios
- JYS1's Return On Assets of 0.67% is in line compared to the rest of the industry. JYS1 outperforms 44.14% of its industry peers.
- JYS1 has a Return On Equity (9.67%) which is in line with 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
- The Profit Margin of JYS1 (33.57%) is better than 82.88% 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.
- The number of shares outstanding for JYS1 has been reduced compared to 5 years ago.
- JYS1 has a worse debt/assets ratio than last year.
2.2 Solvency
- JYS1 has a Debt/Equity ratio of 8.52. This is a high value indicating a heavy dependency on external financing.
- JYS1's Debt to Equity ratio of 8.52 is on the low side compared to the rest of the industry. JYS1 is outperformed by 95.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 8.52 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC0.27%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- JYS1 shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -10.55%.
- JYS1 shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 22.54% yearly.
- JYS1 shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -23.96%.
- JYS1 shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 12.64% yearly.
EPS 1Y (TTM)-10.55%
EPS 3Y23.64%
EPS 5Y22.54%
EPS Q2Q%N/A
Revenue 1Y (TTM)-23.96%
Revenue growth 3Y1.81%
Revenue growth 5Y12.64%
Sales Q2Q%-1.33%
3.2 Future
- The Earnings Per Share is expected to grow by 1.53% on average over the next years.
- The Revenue is expected to decrease by -0.58% on average over the next years.
EPS Next Y2.42%
EPS Next 2Y-1.7%
EPS Next 3Y1.53%
EPS Next 5YN/A
Revenue Next Year-4.1%
Revenue Next 2Y-3.36%
Revenue Next 3Y-1.85%
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
- A Price/Earnings ratio of 11.47 indicates a reasonable valuation of JYS1.
- Compared to the rest of the industry, the Price/Earnings ratio of JYS1 is on the same level as its industry peers.
- When comparing the Price/Earnings ratio of JYS1 to the average of the S&P500 Index (28.32), we can say JYS1 is valued rather cheaply.
- A Price/Forward Earnings ratio of 11.88 indicates a reasonable valuation of JYS1.
- Based on the Price/Forward Earnings ratio, JYS1 is valued a bit more expensive than the industry average as 63.96% of the companies are valued more cheaply.
- JYS1 is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.57, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.47 | ||
| Fwd PE | 11.88 |
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)4.73
PEG (5Y)0.51
EPS Next 2Y-1.7%
EPS Next 3Y1.53%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.64%, JYS1 has a reasonable but not impressive dividend return.
- JYS1's Dividend Yield is slightly below the industry average, which is at 4.10.
- Compared to an average S&P500 Dividend Yield of 1.83, JYS1 pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.64% |
5.2 History
- On average, the dividend of JYS1 grows each year by 8.17%, which is quite nice.
Dividend Growth(5Y)8.17%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
- 30.89% of the earnings are spent on dividend by JYS1. This is a low number and sustainable payout ratio.
- JYS1's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP30.89%
EPS Next 2Y-1.7%
EPS Next 3Y1.53%
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 3 / 10 to JYSKE BANK-REG (JYS1.DE). This can be considered as Overvalued.
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.