D1N Stock Overview

Provides financial services to individuals and businesses in Norway and internationally. More details

D1N fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	4/6
Financial Health	3/6
Dividends	4/6

Rewards

Trading at 52.3% below our estimate of its fair value

Earnings grew by 17.5% over the past year

Risk Analysis

Shares are highly illiquid

Earnings are forecast to decline by an average of 5.2% per year for the next 3 years

Community vs My Fair Value

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DNB Bank ASA Competitors

Commerzbank

XTRA:CBK

€30.0b

ProCredit Holding

XTRA:PCZ

€618.4m

Merkur PrivatBank KgaA

XTRA:MBK

€122.9m

BOC Hong Kong (Holdings)

SEHK:2388

HK$350.0b

Price History & Performance

Summary of share price highs, lows and changes for DNB Bank
Historical stock prices
Current Share Price	NOK 22.80
52 Week High	NOK 23.00
52 Week Low	NOK 17.50
Beta	0.41
1 Month Change	n/a
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	28.90%
5 Year Change	n/a
Change since IPO	18.45%

Recent updates

Shareholder Returns

	D1N	DE Banks	DE Market
7D	0%	3.3%	0.8%
1Y	n/a	30.0%	14.6%

Return vs Industry: Insufficient data to determine how D1N performed against the German Banks industry.

Return vs Market: Insufficient data to determine how D1N performed against the German Market.

Price Volatility

Is D1N's price volatile compared to industry and market?
D1N volatility
D1N Average Weekly Movement	n/a
Banks Industry Average Movement	4.7%
Market Average Movement	6.6%
10% most volatile stocks in DE Market	12.7%
10% least volatile stocks in DE Market	3.1%

Stable Share Price: D1N's share price has been volatile over the past 3 months compared to the German market.

Volatility Over Time: Insufficient data to determine D1N's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1822	11,188	Kjerstin Braathen	www.dnb.no

DNB Bank ASA provides financial services to individuals and businesses in Norway and internationally. The company offers savings, current, currency, client, tax withholding, and pension accounts; fixed rate and security deposits; home and cabin mortgages, construction and fixed-rate loans, car and consumer loans, business loans, and refinancing; home equity credit lines; car, house, home contents, travel, personal, and non-life insurance products; payment services; and online and mobile banking services, as well as cards. It also provides overdraft facilities; leasing services; factoring, supply chain, and receivable purchase financing services; bank guarantees; secure trading, documentary collection, and letter of credit services; investment banking services, such as mergers and acquisitions, equity and debt capital market, loans, bonds, convertible bonds, direct lending, and other private placements; and private financing and commodities, as well as equity trading, foreign exchange, research, share and stock market, securities, and risk advisory services.

DNB Bank ASA Fundamentals Summary

How do DNB Bank's earnings and revenue compare to its market cap?
D1N fundamental statistics
Market cap	€34.90b
Earnings (TTM)	€3.84b
Revenue (TTM)	€7.48b

9.1x

P/E Ratio

1.4x

P/B Ratio

Is D1N overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
D1N income statement (TTM)
Revenue	NOK 86.77b
Cost of Revenue	NOK 0
Gross Profit	NOK 86.77b
Other Expenses	NOK 42.23b
Earnings	NOK 44.54b

Last Reported Earnings

Mar 31, 2025

Next Earnings Date

Jul 11, 2025

Earnings per share (EPS)	30.14
Gross Margin	100.00%
Net Profit Margin	51.33%
Debt/Equity Ratio	563.9%

How did D1N perform over the long term?

See historical performance and comparison

Dividends

6.1%

Current Dividend Yield

56%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/05/18 18:38
End of Day Share Price	2025/05/07 00:00
Earnings	2025/03/31
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

DNB Bank ASA is covered by 37 analysts. 15 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
null null	ABG Sundal Collier
Fridtjof Berents	Arctic Securities ASA
Namita Samtani	Barclays