JYSK Stock Analysis: Jyske Bank | CO
Banks - Regional | CO, Denmark | Market Cap: 62.246m DKK | 12M Return: 55.5% | DK0010307958 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 99.3M
EPS Trend: -57.3%
Qual. Beats: 1
Rev. Trend: 18.3%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Jyske Bank A/S is a Danish financial services group founded in 1917 and headquartered in Silkeborg, Denmark. It operates through three core segments: Banking Activities, Mortgage Activities, and Leasing Activities. The Banking segment serves personal, private banking, and corporate customers with advisory services, along with trading and investment offerings in interest rate products, currencies, equities, commodities, and derivatives for corporate and institutional clients. The Mortgage segment provides real property financing to Danish personal customers, corporate customers, and subsidized rental housing. The Leasing segment delivers car financing and equipment leasing to the corporate sector. In addition, the group offers pension and insurance products, investment and asset-management services, payment and advisory services, and online and mobile banking platforms.
The company also has operations in Germany and is classified within the Diversified Banks sub-industry of the Financials sector, reflecting its mix of retail, corporate, mortgage, and leasing activities under one banking license. As a mid-cap listed European bank, its earnings are typically sensitive to Danish and European interest rate cycles, mortgage loan demand, and credit quality in its corporate and consumer loan books.
- NIM compression pressures earnings as Danish rates ease
- Mortgage volume growth slows amid Danish housing market cooling
- Capital return accelerates through buybacks and dividend payouts
| Net Income: 5.15b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.03 > 0.02 and ΔFCF/TA 1.57 > 1.0 |
| NWC/Revenue: 64.89% < 20% (prev -665.6%; Δ 730.5% < -1%) |
| CFO/TA -0.03 > 3% & CFO -24.7b > Net Income 5.15b |
| Net Debt (452b) to EBITDA (7.84b): 57.69 < 3 |
| Current Ratio: 4.25 > 1.5 & < 3 |
| Outstanding Shares: last quarter (57.2m) vs 12m ago -5.18% < -2% |
| Gross Margin: 54.05% > 18% (prev 75.22%; Δ -21.18% > 0.5%) |
| Asset Turnover: 3.50% > 50% (prev 3.71%; Δ -0.21% > 0%) |
| Interest Coverage Ratio: 0.61 > 6 (EBIT TTM 7.08b / Interest Expense TTM 11.6b) |
| A: 0.02 (Total Current Assets 22.6b - Total Current Liabilities 5.31b) / Total Assets 755b |
| B: 0.06 (Retained Earnings 45.9b / Total Assets 755b) |
| C: 0.01 (EBIT TTM 7.08b / Avg Total Assets 761b) |
| D: 0.07 (Book Value of Equity 46.7b / Total Liabilities 709b) |
| Altman-Z'' = 0.48 = B |
| DSRI: 0.95 (Receivables 860.0m/966.0m, Revenue 26.6b/28.4b) |
| GMI: 1.39 (GM 75.22% / 54.05%) |
| AQI: 1.04 (AQ_t 0.96 / AQ_t-1 0.92) |
| SGI: 0.94 (Revenue 26.6b / 28.4b) |
| TATA: 0.04 (NI 5.15b - CFO -24.7b) / TA 755b) |
| Beneish M = -2.73 (Cap -4..+1) = A |
As of October 06, 2026, the stock is trading at DKK 1080.00 with a total of 82,075 shares traded. Over the past week, the price has changed by -3.14%, over one month by -1.82%, over three months by +10.77% and over the past year by +55.45%.
Current recommended Stop Loss: 1047.60 (which is 3% or 1.9 ATR below the current price).
Jyske Bank has no consensus analysts rating.
P/E Trailing = 12.9474
P/E Forward = 7.6394
P/S = 4.3792
P/B = 1.1973
P/EG = 0.859
Revenue TTM = 26.6b DKK
EBIT TTM = 7.08b DKK
EBITDA TTM = 7.84b DKK
Long Term Debt = 469b DKK (estimated: total debt 474b - short term 5.31b)
Short Term Debt = 5.31b DKK (from shortTermDebt, last quarter)
Debt = 474b DKK (from shortLongTermDebtTotal, last quarter)
Net Debt = 452b DKK (calculated: Debt 474b - CCE 21.7b)
Enterprise Value = 514b DKK (62.2b + Debt 474b - CCE 21.7b)
Interest Coverage Ratio = 0.61 (Ebit TTM 7.08b / Interest Expense TTM 11.6b)
EV/FCF = -19.53x (Enterprise Value 514b / FCF TTM -26.3b)
FCF Yield = -5.12% (FCF TTM -26.3b / Enterprise Value 514b)
FCF Margin = -99.00% (FCF TTM -26.3b / Revenue TTM 26.6b)
Net Margin = 19.34% (Net Income TTM 5.15b / Revenue TTM 26.6b)
Gross Margin = 54.05% ((Revenue TTM 26.6b - Cost of Revenue TTM 12.2b) / Revenue TTM)
Gross Margin QoQ = 56.31% (prev 52.21%)
Tobins Q-Ratio = 0.68 (Enterprise Value 514b / Total Assets 755b)
Interest Expense / Debt = 2.45% (Interest Expense 11.6b / Debt 474b)
Taxrate = 25.41% (1.80b / 7.08b)
NOPAT = 5.28b (EBIT 7.08b * (1 - 25.41%))
Current Ratio = 4.25 (Total Current Assets 22.6b / Total Current Liabilities 5.31b)
Debt / Equity = 10.14 (Debt 474b / totalStockholderEquity, last quarter 46.7b)
Debt / EBITDA = 57.69 (Net Debt 452b / EBITDA 7.84b)
Debt / FCF = -17.16 (negative FCF - burning cash) (Net Debt 452b / FCF TTM -26.3b)
Total Stockholder Equity = 46.7b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.68% (Net Income 5.15b / Total Assets 755b)
RoE = 11.01% (Net Income TTM 5.15b / Total Stockholder Equity 46.7b)
RoCE = 1.37% (EBIT 7.08b / Capital Employed (Equity 46.7b + L.T.Debt 469b))
RoIC = 0.70% (NOPAT 5.28b / Invested Capital 754b)
WACC = 2.39% (E(62.2b)/V(536b) * Re(6.66%) + D(474b)/V(536b) * Rd(2.45%) * (1-Tc(0.25)))
Discount Rate = 6.66% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -99.06 | Cagr: -5.01%
[DCF] Fair Price = unknown (Cash Flow -26.3b)
EPS Correlation: -57.31 | EPS CAGR: -3.16% | SUE: 0.92 | # QB: 1
Revenue Correlation: 18.26 | Revenue CAGR: 1.77% | SUE: 0.62 | # QB: 0
EPS current Quarter (2026-09-30): EPS=21.50 | Chg30d=+2.19% | Revisions=+29% | Analysts=3
EPS current Year (2026-12-31): EPS=84.89 | Chg30d=+2.13% | Revisions=+38% | GrowthEPS=-2.3% | GrowthRev=-2.7%
EPS next Year (2027-12-31): EPS=95.28 | Chg30d=+2.93% | Revisions=+38% | GrowthEPS=+12.2% | GrowthRev=+4.3%
[Analyst] Revisions Ratio: +47% (up=11, down=3)