(JYSK) Jyske Bank - CO
Sector: Financial Services | Industry: Banks - Regional | Exchange: CO (Denmark) | Market Cap: 53.692m DKK | Total Return: 55.9% in 12m
Avg Turnover: 77.6M
EPS Trend: -2.7%
Qual. Beats: 0
Rev. Trend: 51.4%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Jyske Bank A/S is a Denmark-based financial institution providing retail, private, and corporate banking services across Denmark and Germany. The company operates through three primary segments: Banking Activities, Mortgage Activities, and Leasing Activities. Its service suite includes traditional deposit and lending products, investment advisory, asset management, and specialized financing for real estate and equipment.
The company functions as a universal bank, a business model that integrates commercial banking with specialized mortgage and leasing subsidiaries to diversify revenue streams. In the Danish financial sector, mortgage activities are distinctively structured through the issuance of covered bonds, which allows banks to fund long-term real estate loans while maintaining specific capital transparency requirements.
Headquartered in Silkeborg, Jyske Bank also provides institutional trading services for commodities, derivatives, and foreign exchange. The organization maintains a digital infrastructure for mobile and online banking alongside traditional physical branches to serve its personal and corporate client base.
- Net interest margin sensitivity to Danish Central Bank rate changes
- Mortgage lending volume growth amid Danish housing market stabilization
- Asset quality and impairment levels within the corporate leasing portfolio
- Capital distribution capacity through share buybacks and dividend payouts
| Net Income: 5.07b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.07 > 0.02 and ΔFCF/TA -7.40 > 1.0 |
| NWC/Revenue: -1.01k% < 20% (prev -605.2%; Δ -401.0% < -1%) |
| CFO/TA -0.07 > 3% & CFO -50.9b > Net Income 5.07b |
| Net Debt (447b) to EBITDA (7.74b): 57.81 < 3 |
| Current Ratio: 0.09 > 1.5 & < 3 |
| Outstanding Shares: last quarter (58.1m) vs 12m ago -5.50% < -2% |
| Gross Margin: 53.74% > 18% (prev 72.33%; Δ -18.60% > 0.5%) |
| Asset Turnover: 3.44% > 50% (prev 3.80%; Δ -0.36% > 0%) |
| Interest Coverage Ratio: 0.59 > 6 (EBIT TTM 6.98b / Interest Expense TTM 11.7b) |
| A: -0.35 (Total Current Assets 25.2b - Total Current Liabilities 291b) / Total Assets 755b |
| B: 0.06 (Retained Earnings 45.3b / Total Assets 755b) |
| C: 0.01 (EBIT TTM 6.98b / Avg Total Assets 768b) |
| D: 0.07 (Book Value of Equity 46.2b / Total Liabilities 708b) |
| Altman-Z'' = -1.99 = D |
| DSRI: 1.15 (Receivables 1.01b/987.0m, Revenue 26.4b/29.7b) |
| GMI: 1.35 (GM 72.33% / 53.74%) |
| AQI: 1.08 (AQ_t 0.96 / AQ_t-1 0.89) |
| SGI: 0.89 (Revenue 26.4b / 29.7b) |
| TATA: 0.07 (NI 5.07b - CFO -50.9b) / TA 755b) |
| Beneish M = -2.62 (Cap -4..+1) = A |
As of June 20, 2026, the stock is trading at DKK 950.50 with a total of 153,570 shares traded.
Over the past week, the price has changed by +5.26%,
over one month by +6.38%,
over three months by +8.82% and
over the past year by +55.93%.
Jyske Bank has no consensus analysts rating.
P/E Trailing = 11.3513
P/E Forward = 7.6394
P/S = 3.7899
P/B = 1.0517
P/EG = 0.859
Revenue TTM = 26.4b DKK
EBIT TTM = 6.98b DKK
EBITDA TTM = 7.74b DKK
Long Term Debt = 464b DKK (estimated: total debt 472b - short term 7.42b)
Short Term Debt = 7.42b DKK (from shortTermDebt, last quarter)
Debt = 472b DKK (from shortLongTermDebtTotal, last quarter)
Net Debt = 447b DKK (calculated: Debt 472b - CCE 24.2b)
Enterprise Value = 501b DKK (53.7b + Debt 472b - CCE 24.2b)
Interest Coverage Ratio = 0.59 (Ebit TTM 6.98b / Interest Expense TTM 11.7b)
EV/FCF = -9.55x (Enterprise Value 501b / FCF TTM -52.5b)
FCF Yield = -10.47% (FCF TTM -52.5b / Enterprise Value 501b)
FCF Margin = -198.6% (FCF TTM -52.5b / Revenue TTM 26.4b)
Net Margin = 19.20% (Net Income TTM 5.07b / Revenue TTM 26.4b)
Gross Margin = 53.74% ((Revenue TTM 26.4b - Cost of Revenue TTM 12.2b) / Revenue TTM)
Gross Margin QoQ = 52.21% (prev 57.51%)
Tobins Q-Ratio = 0.66 (Enterprise Value 501b / Total Assets 755b)
Interest Expense / Debt = 2.49% (Interest Expense 11.7b / Debt 472b)
Taxrate = 25.38% (1.77b / 6.98b)
NOPAT = 5.21b (EBIT 6.98b * (1 - 25.38%))
Current Ratio = 0.09 (Total Current Assets 25.2b / Total Current Liabilities 291b)
Debt / Equity = 10.22 (Debt 472b / totalStockholderEquity, last quarter 46.2b)
Debt / EBITDA = 57.81 (Net Debt 447b / EBITDA 7.74b)
Debt / FCF = -8.52 (negative FCF - burning cash) (Net Debt 447b / FCF TTM -52.5b)
Total Stockholder Equity = 47.8b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.66% (Net Income 5.07b / Total Assets 755b)
RoE = 10.62% (Net Income TTM 5.07b / Total Stockholder Equity 47.8b)
RoCE = 1.36% (EBIT 6.98b / Capital Employed (Equity 47.8b + L.T.Debt 464b))
RoIC = 0.69% (NOPAT 5.21b / Invested Capital 753b)
WACC = 2.38% (E(53.7b)/V(525b) * Re(7.01%) + D(472b)/V(525b) * Rd(2.49%) * (1-Tc(0.25)))
Discount Rate = 7.01% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -100.00 | Cagr: -4.39%
[DCF] Fair Price = unknown (Cash Flow -52.5b)
EPS Correlation: -2.69 | EPS CAGR: -0.23% | SUE: 0.09 | # QB: 0
Revenue Correlation: 51.39 | Revenue CAGR: 7.01% | SUE: 0.61 | # QB: 0
EPS current Quarter (2026-06-30): EPS=19.18 | Chg30d=-0.59% | Revisions=+20% | Analysts=4
EPS next Quarter (2026-09-30): EPS=20.97 | Chg30d=+0.35% | Revisions=+20% | Analysts=4
EPS current Year (2026-12-31): EPS=81.90 | Chg30d=+0.08% | Revisions=+11% | GrowthEPS=-5.8% | GrowthRev=-4.9%
EPS next Year (2027-12-31): EPS=92.97 | Chg30d=+0.08% | Revisions=+11% | GrowthEPS=+13.5% | GrowthRev=+4.4%
[Analyst] Revisions Ratio: +20%