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JYSK: Lower Risk And Higher Earnings Guidance Will Ultimately Disappoint

Intensifying Fintech Rivalry And Rising Regulations Will Erode Margins

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JYSK
AnalystLowTarget
Not Invested
Published 17 Aug 2025

Update shared on 14 Dec 2025

Fair value Increased 44%
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AnalystLowTarget's Fair Value
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1Y
68.5%
7D
2.9%

Analysts have raised their price target on Jyske Bank significantly, from DKK 514.00 to DKK 738.00, citing a lower perceived risk profile, slightly improved profitability expectations, and a marginally better revenue outlook that together support a higher future earnings multiple.

What's in the News

  • Raised 2025 earnings guidance, now expecting net profit of DKK 4.9 billion to 5.3 billion, up from a previous range that topped out at DKK 4.6 billion (company guidance).
  • Upgraded 2025 earnings per share outlook to DKK 77 to 84, compared with prior expectations at the upper end of DKK 60 to 73 (company guidance).
  • Signaled increased confidence in medium term profitability by lifting both net profit and EPS targets for 2025 (company guidance).

Valuation Changes

  • Fair Value: Increased substantially from DKK 514.00 to DKK 738.00, implying a markedly higher assessed equity value.
  • Discount Rate: Reduced significantly from 9.97 percent to approximately 6.21 percent, reflecting a materially lower perceived risk profile.
  • Revenue Growth: Assumed contraction has eased slightly, with the growth rate improving from around minus 4.46 percent to minus 3.82 percent.
  • Net Profit Margin: Edged higher from about 29.41 percent to 31.23 percent, indicating modestly stronger expected profitability.
  • Future P/E: Risen moderately from roughly 11.20 times to 12.05 times, suggesting a higher valuation multiple on projected earnings.

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Disclaimer

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