Alm. Brand A/S, together with its subsidiaries, provides non-life insurance, banking, and life and pension insurance products and services in Denmark.
The last earnings update was 41 days ago.
Amount off the current price
is available for.
Share price is
vs Future cash flow value of
Current Discount Checks
to be considered undervalued it must be available for at least 20% below the
current price. Less than 40% is even better.
Alm. Brand's share price is below the future cash flow value, and at a moderate discount (> 20%).
Alm. Brand's share price is below the future cash flow value, and at a substantial discount (> 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for
it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing
when they are out of season, or how much your home is worth.
The amount the stock market is willing to pay for
is considered below, and whether this is a fair price.
Price based on past earnings
Alm. Brand's earnings available for a low price, and how does
this compare to other companies in the same industry?
Alm. Brand's earnings are expected to grow by 4.7% yearly, however this is not considered high growth (20% yearly).
Alm. Brand's revenue is expected to decrease over the next 1-3 years, this is not considered high growth.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can
be gauged below. We look back 3 years and see if they were any good at
predicting what actually occurred. We also show the highest and lowest estimates
looking forward to see if there is a wide range.
Alm. Brand's performance over the past 5 years by checking for:
Has earnings increased in past 5 years? (1 check)
Has the earnings growth in the last year exceeded that of the
industry? (1 check)
Is the recent earnings growth over the last year higher than the average annual growth over the
past 5 years? (1 check)
Is the Return on Equity (ROE) higher than 20%? (1 check)
Is the Return on Assets (ROA) above industry average? (1 check)
Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent
earnings report. Some checks require at least 3 or 5 years worth of data.
has a total score of
2/6, see the detailed checks below.
Note: We use GAAP Net Income excluding extraordinary items in all our calculations.
Management is one of the most important areas of a company. We look at
unreasonable CEO compensation, how long the team and board of directors have
been around for and insider trading.
TENURE AS CEO
Mr. Søren Boe Mortensen has been the Chief Executive Officer of Alm. Brand A/S since December 2001. He serves as Member of Management Board at Alm. Brand A/S. Mr. Mortensen serves as the Chief Executive Officer of Alm. Brand af 1792 fmba. He serves as General Manager of Alm. Brand Invest II A/S and Alm. Brand Holding II A/S. He served as Deputy Managing Partner of Consulting Services of Decision Software, Inc. He served as an Acting Chief Executive of Alm Brand Bank from May 2011 to July 31, 2011. He served as the Chief Executive Officer of Alm Brand Bank AS since December 2001. Mr. Mortensen has been Chairman of Alm. Brand Formue A/S since September 2009 and Alm. Brand Pantebreve A/S since May 2010. He serves as the Chairman of the Board at A/S Det Kjøbenhavnske Reassurance-Compagni Forsikringsaktieselskabet Alm., Alm. Brand Holding II A/S, Europort Limited, Alm. Brand Provinsforsikring A/S, Alm. Brand Rejseforsikring A/S, Alm. Brand Invest II A/S, Alm. Brand Service ApS, Ejendomsselskabet Søndergade 6, Kolding ApS, Alm. Brand Forsikring A/S, Finansieringsselskabet Balder A/S, Asgaard Finans A/S, Dansk Projektadministration II A/S and Dansk Projektadministration A/S. He has been the Chairman of Finansieringsselskabet AF since 1992 and A/S, Ejendomsaktieselskabet Idrætsparken, Finansieringsfondet AF since 1992. He serves as Deputy Chairman of the Board of Directors of Alm. Brand Private Equity A/S and Investeringsforeningen Alm. Brand Invest. He serves as Deputy Chairman of the Board of Directors of Forsikringsakademiet A/S. He served as Deputy Chairman of Alm. Brand Formue A/S from July 2003 to September 2009. He has been Member of Management Board at Alm. Brand A/S since 1998. He serves as Member of the Board of Directors of Forsikring og Pension. He serves as a Member of the Board of Directors at Alm. Brand Ejendomsinvest A/S, Forsikringsselskabet Alm. Brand Liv og Pension A/S, Alm. Brand PræmieService A/S, Frigg Invest A/S, Idun Invest A/S, Sanexco Partners III ApS, Bøg Invest 3 & 4 ApS, Bøg Invest 5 ApS and Bankaktieselskabet Alm. He has been a Director of Alm. Brand Formue A/S since July 1, 2003 and Alm. Brand Pantebreve A/S since January 5, 1997. He serves as Member of the Board of Directors of Forsikringshøjskolen Rungstedgaard A/S and Fonden Forsikringshøjskolen. He serves as a Directors of The Danish Insurance Association and HenrikIK N. Mr. Mortensen serves as Director of Alm Brand Bank AS since 1998.
Søren's compensation has been consistent with company performance over the past year, both up more than 20%.
Søren's remuneration is about average for companies of similar size in Germany.
Management Team Tenure
Average tenure and age of the
management team in years:
The tenure for the Alm. Brand management team is about average.
CEO & Member of Management Board
Chief Financial Officer
Head of Information & Investor Relations and Director of Communications
Director of Group Legal
Director of Human Resources
Executive Vice President of Region Jylland Nord
Managing Director of Non-Life Insurance & Chief Executive of Alm Brand Forsikring
Managing Director of Bank & Pension
Executive Vice President - Customers
Group Chief Auditor
Board of Directors Tenure
Average tenure and age of the
board of directors in years:
The tenure for the Alm. Brand board of directors is about average.
Alm. Brand A/S, together with its subsidiaries, provides non-life insurance, banking, and life and pension insurance products and services in Denmark. The company offers banking products and services to private customers and small and medium-sized enterprises; and financial markets services comprising bonds, equity and currency trading and research, and asset management services, as well as leases cars to private and commercial customers. It also provides advisory services. The company offers its non-life insurance products for the personal, commercial, and agricultural segments through insurance shops, independent insurance shops, and business partners. Its life and pension insurance products include coverage for death, disability, and critical illness; and savings comprising capital pension plans, installment pensions, and annuity schemes for private individuals, farmers, and owners and employees of small businesses. The company operates 19 branches in Denmark. Alm. Brand A/S is headquartered in Copenhagen, Denmark. Alm. Brand A/S is a subsidiary of Alm. Brand af 1792 Fmba.
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