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Den Jyskerekasse

CPSE:DJS
Snowflake Description

Undervalued with adequate balance sheet.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
DJS
CPSE
DKK748M
Market Cap
  1. Home
  2. DK
  3. Banks
Company description

Den Jyske Sparekasse A/S operates as a savings bank. The last earnings update was 14 days ago. More info.


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DJS Share Price and Events
7 Day Returns
5%
CPSE:DJS
-0.7%
Europe Mortgage
2.2%
DK Market
1 Year Returns
-
CPSE:DJS
-9.7%
Europe Mortgage
0.8%
DK Market
DJS Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Den Jyskerekasse (DJS) 5% -4.7% 14.1% - - -
Europe Mortgage -0.7% -2.2% 7.3% -9.7% 18.2% 6.2%
DK Market 2.2% 0.1% 2.9% 0.8% 2.3% 37.3%
1 Year Return vs Industry and Market
  • No trading data on DJS.
  • No trading data on DJS.
Price Volatility
Industry
5yr Volatility vs Market
Related Companies

Value

 Is Den Jyskerekasse undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Den Jyskerekasse to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Den Jyskerekasse.

CPSE:DJS Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= DKK159.56 * 6.9%
DKK10.94
Book Value of Equity per Share Median Book Value from the past 5 years. DKK159.56
Discount Rate (Cost of Equity) See below 7.5%
Perpetual Growth Rate 10-Year DK Government Bond Rate 0.2%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for CPSE:DJS
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year DK Govt Bond Rate 0.2%
Equity Risk Premium S&P Global 6%
Mortgage Unlevered Beta Simply Wall St/ S&P Global 0.9
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.903 (1 + (1- 22%) (61.81%))
1.226
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.23
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 0.21% + (1.226 * 5.96%)
7.52%

Discounted Cash Flow Calculation for CPSE:DJS using Excess Returns Model Model

The calculations below outline how an intrinsic value for Den Jyskerekasse is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

CPSE:DJS Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (6.9% – 7.52%) * DKK159.56)
DKK-1.07
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= DKK-1.07 / (7.52% - 0.21%)
DKK-14.58
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= DKK159.56 + DKK-14.58
DKK144.98
CPSE:DJS Discount to Share Price
Calculation Result
Value per share (DKK) From above. DKK144.98
Current discount Discount to share price of DKK75.30
= -1 x (DKK75.30 - DKK144.98) / DKK144.98
48.1%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price Den Jyskerekasse is available for.
Intrinsic value
48%
Share price is DKK75.3 vs Future cash flow value of DKK144.98
Current Discount Checks
For Den Jyskerekasse to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • Den Jyskerekasse's share price is below the future cash flow value, and at a moderate discount (> 20%).
  • Den Jyskerekasse'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 Den Jyskerekasse's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Den Jyskerekasse's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
CPSE:DJS PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-03-31) in DKK DKK8.53
CPSE:DJS Share Price ** CPSE (2019-05-23) in DKK DKK75.3
Europe Mortgage Industry PE Ratio Median Figure of 16 Publicly-Listed Mortgage Companies 9.33x
Denmark Market PE Ratio Median Figure of 103 Publicly-Listed Companies 16.5x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Den Jyskerekasse.

CPSE:DJS PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= CPSE:DJS Share Price ÷ EPS (both in DKK)

= 75.3 ÷ 8.53

8.83x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Den Jyskerekasse is good value based on earnings compared to the Europe Mortgage industry average.
  • Den Jyskerekasse is good value based on earnings compared to the Denmark market.
Price based on expected Growth
Does Den Jyskerekasse's expected growth come at a high price?
Raw Data
CPSE:DJS PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 8.83x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
12.4%per year
Europe Mortgage Industry PEG Ratio Median Figure of 6 Publicly-Listed Mortgage Companies 0.97x
Denmark Market PEG Ratio Median Figure of 44 Publicly-Listed Companies 2.13x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for Den Jyskerekasse, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Den Jyskerekasse's assets?
Raw Data
CPSE:DJS PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-03-31) in DKK DKK160.19
CPSE:DJS Share Price * CPSE (2019-05-23) in DKK DKK75.3
Europe Mortgage Industry PB Ratio Median Figure of 18 Publicly-Listed Mortgage Companies 0.72x
Denmark Market PB Ratio Median Figure of 135 Publicly-Listed Companies 1.63x
CPSE:DJS PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= CPSE:DJS Share Price ÷ Book Value per Share (both in DKK)

= 75.3 ÷ 160.19

0.47x

* Primary Listing of Den Jyskerekasse.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Den Jyskerekasse is good value based on assets compared to the Europe Mortgage industry average.
X
Value checks
We assess Den Jyskerekasse's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Mortgage industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Mortgage industry average (and greater than 0)? (1 check)
  5. Den Jyskerekasse has a total score of 5/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is Den Jyskerekasse expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

  • No analysts cover Den Jyskerekasse, future earnings growth has been estimated based on fundamentals.
The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
12.4%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Den Jyskerekasse expected to grow at an attractive rate?
  • Den Jyskerekasse's earnings growth is expected to exceed the low risk savings rate of 0.2%.
Growth vs Market Checks
  • Den Jyskerekasse's earnings growth is expected to exceed the Denmark market average.
  • Unable to compare Den Jyskerekasse's revenue growth to the Denmark market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
CPSE:DJS Future Growth Rates Data Sources
Data Point Source Value (per year)
CPSE:DJS Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts 12.4%
Europe Mortgage Industry Earnings Growth Rate Market Cap Weighted Average 7.9%
Europe Mortgage Industry Revenue Growth Rate Market Cap Weighted Average 6.5%
Denmark Market Earnings Growth Rate Market Cap Weighted Average 11.9%
Denmark Market Revenue Growth Rate Market Cap Weighted Average 6.3%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
CPSE:DJS Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (1 month ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in DKK Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
CPSE:DJS Past Financials Data
Date (Data in DKK Millions) Revenue Cash Flow Net Income *
2019-03-31 545 87
2018-12-31 555 -210 95
2018-09-30 515 83
2018-06-30 491 87
2018-03-31 504 113
2017-12-31 509 1,357 129
2017-09-30 535 133
2017-06-30 561 139
2017-03-31 526 106
2016-12-31 490 441 67

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Den Jyskerekasse's earnings are expected to grow by 12.4% yearly, however this is not considered high growth (20% yearly).
  • Unable to determine if Den Jyskerekasse is high growth as no revenue estimate data is available.
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.
Raw Data
CPSE:DJS Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (1 month ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from Den Jyskerekasse Company Filings, last reported 1 month ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

CPSE:DJS Past Financials Data
Date (Data in DKK Millions) EPS *
2019-03-31 8.53
2018-12-31 9.61
2018-09-30 8.36
2018-06-30 8.78
2018-03-31
2017-12-31 13.01
2017-09-30 13.39
2017-06-30
2017-03-31
2016-12-31

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Den Jyskerekasse will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
X
Future performance checks
We assess Den Jyskerekasse's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the Europe market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the Europe market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Den Jyskerekasse has a total score of 2/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has Den Jyskerekasse performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Den Jyskerekasse's growth in the last year to its industry (Mortgage).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Den Jyskerekasse's year on year earnings growth rate has been positive over the past 5 years, however the most recent earnings are below average.
  • Den Jyskerekasse's 1-year earnings growth is negative, it can't be compared to the 5-year average.
  • Den Jyskerekasse's 1-year earnings growth is negative, it can't be compared to the Europe Mortgage industry average.
Earnings and Revenue History
Den Jyskerekasse's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Den Jyskerekasse Company Filings, last reported 1 month ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

CPSE:DJS Past Revenue, Cash Flow and Net Income Data
Date (Data in DKK Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-03-31 544.62 86.73 459.04
2018-12-31 554.89 95.40 460.29
2018-09-30 515.14 83.00 451.06
2018-06-30 491.35 87.15 441.24
2018-03-31 503.97 112.71 432.20
2017-12-31 508.98 129.15 419.42
2017-09-30 534.94 132.94 426.95
2017-06-30 560.90 138.86 432.35
2017-03-31 525.96 106.39 434.26
2016-12-31 490.14 67.19 443.99
2015-12-31 551.30 34.07 492.96

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Den Jyskerekasse has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Den Jyskerekasse used its assets less efficiently than the Europe Mortgage industry average last year based on Return on Assets.
  • Unable to establish if Den Jyskerekasse improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess Den Jyskerekasse's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Mortgage industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. 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.
Den Jyskerekasse has a total score of 1/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is Den Jyskerekasse's financial position? (This company is analysed differently as a bank or financial institution)

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of Den Jyskerekasse's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Den Jyskerekasse Company Filings, last reported 1 month ago.

CPSE:DJS Past Debt and Equity Data
Date (Data in DKK Millions) Total Equity Total Debt Cash & Short Term Investments
2019-03-31 1,629.45 462.15 289.01
2018-12-31 1,615.79 548.85 1,353.90
2018-09-30 1,615.79 548.85 1,353.90
2018-06-30 1,578.00 817.40 290.82
2018-03-31 1,346.18 906.06 292.06
2017-12-31 1,472.00 1,042.73 1,231.88
2017-09-30 1,472.00 1,042.73 1,231.88
2017-06-30 1,417.66 951.47 289.46
2017-03-31 1,349.16 1,288.82 439.50
2016-12-31 1,349.16 1,288.82 1,414.34
2015-12-31 1,314.33 1,349.67 543.24
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • Den Jyskerekasse has an acceptable proportion of non-loan assets held.
  • Den Jyskerekasse's liabilities are made up of primarily low risk sources of funding.
  • Loans at Den Jyskerekasse are broadly funded by customer deposits.
  • Den Jyskerekasse's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
  • Unable to establish if Den Jyskerekasse has a sufficient allowance for bad loans without relevant financial data.
  • Unable to establish if Den Jyskerekasse has an acceptable level of bad loans without bad loans data.
X
Financial health checks
We assess Den Jyskerekasse's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Den Jyskerekasse has a total score of 4/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is Den Jyskerekasse's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from Den Jyskerekasse dividends.
If you bought DKK2,000 of Den Jyskerekasse shares you are expected to receive DKK0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate Den Jyskerekasse's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate Den Jyskerekasse's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
CPSE:DJS Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
Europe Mortgage Industry Average Dividend Yield Market Cap Weighted Average of 14 Stocks 5.6%
Denmark Market Average Dividend Yield Market Cap Weighted Average of 78 Stocks 2.5%
Denmark Minimum Threshold Dividend Yield 10th Percentile 1%
Denmark Bottom 25% Dividend Yield 25th Percentile 1.6%
Denmark Top 25% Dividend Yield 75th Percentile 4.9%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as Den Jyskerekasse has not reported any payouts.
  • Unable to verify if Den Jyskerekasse's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of Den Jyskerekasse's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as Den Jyskerekasse has not reported any payouts.
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Den Jyskerekasse's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Den Jyskerekasse afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Den Jyskerekasse has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of Den Jyskerekasse's salary, the management and board of directors tenure and is there insider trading?

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.
CEO
Claus Petersen
AGE 57
TENURE AS CEO 6.3 years
CEO Bio

Mr. Claus Erik Petersen serves as Chief Executive Officer and Member of the Executive Board of Den Jyske Sparekasse A/S. Mr. Petersen serves as Chairman of DJS Erhvervsinvest A/S, Foreningen Lokale Pengeinstitutter, PRAS A/S. Mr. Petersen served as Managing Director of Totalkredit A/s since March 20, 2012. He is Deputy Chairman of Totalkredit A/s since 2012. He serves as Chairman of DjS Leasing A/S and Finanshuset Farsø Pantebrevsselskab A/S. He serves as Director of Director of Nykredit A/S; Borgergade 3 A/S; Den Jyske Sparekasses Støttefond; DJS Leasing A/S; Finance Denmark; Finanshuset Farsø Pantebrevsselskab A/S; FR I af 16. September 2015 A/S; HN Invest Tyskland 1 A/S; Spar Pantebrevsinvest A/S; and Værdiansættelsesrådet . He is member of the Executive Board of Borgergade 3 A/S.

CEO Compensation
  • Insufficient data for Claus to compare compensation growth.
  • Insufficient data for Claus to establish whether their remuneration is reasonable compared to companies of similar size in Denmark.
Management Team

Claus Petersen

TITLE
CEO & Member of Executive Board
AGE
57
TENURE
6.3 yrs

Torben Sørensen

TITLE
Manager & Member of the Executive Board
AGE
61
Board of Directors Tenure

Average tenure and age of the Den Jyskerekasse board of directors in years:

9.8
Average Tenure
58
Average Age
  • The tenure for the Den Jyskerekasse board of directors is about average.
Board of Directors

Sejer Mortensen

TITLE
Chairman of the Board
AGE
66
TENURE
8.3 yrs

Stine Jensen

TITLE
Vice Chairman of the Board
AGE
49

Niels Fessel

TITLE
Member of the Board
AGE
59
TENURE
1.2 yrs

B jarne Toftlund

TITLE
Member of the Board
AGE
55
TENURE
6.3 yrs

Anette Bjerregaard

TITLE
Member of the Board
AGE
56
TENURE
11.3 yrs

Bjarne Petersen

TITLE
Member of the Board
AGE
58
TENURE
13.3 yrs

Ib Kristensen

TITLE
Member of the Board
AGE
67
TENURE
13.3 yrs

Karsten Westergaard Hansen

TITLE
Member of the Board
AGE
58
TENURE
11.3 yrs

Kjeld Jeppesen

TITLE
Member of the Board
AGE
55
TENURE
3.3 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (DKK) Value (DKK)
X
Management checks
We assess Den Jyskerekasse's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Den Jyskerekasse has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

Do Institutions Own Shares In Den Jyske Sparekasse A/S (CPH:DJS)?

A look at the shareholders of Den Jyske Sparekasse A/S (CPH:DJS) can tell us which group is most powerful. … Large companies usually have institutions as shareholders, and we usually see insiders owning shares in smaller companies. … We also tend to see lower insider ownership in companies that were previously publicly owned.

Simply Wall St -

Company Info

Description

Den Jyske Sparekasse A/S operates as a savings bank. The company offers savings accounts and various deposits; car, housing, and other loans; and pension, insurance, investment, payment, financing, and risk management services. It serves private customers, and small and medium-sized businesses. The company operates through a network of 19 branches. Den Jyske Sparekasse A/S was founded in 1872 and is headquartered in Grindsted, Denmark.

Details
Name: Den Jyske Sparekasse A/S
DJS
Exchange: CPSE
Founded: 1872
DKK747,666,952
9,929,176
Website: http://www.djs.dk
Address: Den Jyske Sparekasse A/S
Borgergade 3,
Grindsted,
Region of Southern Denmark, 7200,
Denmark
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
CPSE DJS Share Capital OMX Nordic Exchange Copenhagen DK DKK 22. Nov 2018
Number of employees
Current staff
Staff numbers
0
Den Jyskerekasse employees.
Industry
Thrifts and Mortgage Finance
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/05/23 22:56
End of day share price update: 2019/05/23 00:00
Last earnings filing: 2019/05/09
Last earnings reported: 2019/03/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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 here.