Jyske Bank A/S provides a range of financial solutions to personal, corporate, private banking, and institutional clients in Denmark, Gibraltar, and Germany.
Moderate growth potential and slightly overvalued.
Share Price & News
How has Jyske Bank's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: JYSK's share price has been volatile over the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: JYSK underperformed the Danish Banks industry which returned -9.9% over the past year.
Return vs Market: JYSK underperformed the Danish Market which returned 19.1% over the past year.
Price Volatility Vs. Market
How volatile is Jyske Bank's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 month ago | Simply Wall StDoes Jyske Bank A/S's (CPH:JYSK) CEO Pay Reflect Performance?
2 months ago | Simply Wall StIs Jyske Bank A/S (CPH:JYSK) An Attractive Dividend Stock?
4 months ago | Simply Wall StVolatility 101: Should Jyske Bank (CPH:JYSK) Shares Have Dropped 25%?
Is Jyske Bank undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: JYSK (DKK175.15) is trading above our estimate of fair value (DKK159.2)
Significantly Below Fair Value: JYSK is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: JYSK is poor value based on its PE Ratio (15.2x) compared to the Banks industry average (7.1x).
PE vs Market: JYSK is poor value based on its PE Ratio (15.2x) compared to the Danish market (14.5x).
Price to Earnings Growth Ratio
PEG Ratio: JYSK is good value based on its PEG Ratio (0.4x)
Price to Book Ratio
PB vs Industry: JYSK is good value based on its PB Ratio (0.4x) compared to the DK Banks industry average (0.5x).
How is Jyske Bank forecast to perform in the next 1 to 3 years based on estimates from 5 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: JYSK's forecast earnings growth (42.7% per year) is above the savings rate (0.3%).
Earnings vs Market: JYSK's earnings (42.7% per year) are forecast to grow faster than the Danish market (14% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: JYSK's revenue (3% per year) is forecast to grow slower than the Danish market (6.5% per year).
High Growth Revenue: JYSK's revenue (3% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: JYSK's Return on Equity is forecast to be low in 3 years time (4.9%).
How has Jyske Bank performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: JYSK has high quality earnings.
Growing Profit Margin: JYSK's current net profit margins (12.8%) are lower than last year (26.4%).
Past Earnings Growth Analysis
Earnings Trend: JYSK's earnings have declined by -4.3% per year over the past 5 years.
Accelerating Growth: JYSK's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: JYSK had negative earnings growth (-62.6%) over the past year, making it difficult to compare to the Banks industry average (16%).
Return on Equity
High ROE: JYSK's Return on Equity (3.1%) is considered low.
How is Jyske Bank's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: JYSK's Assets to Equity ratio (19.6x) is moderate.
Allowance for Bad Loans: JYSK has a low allowance for bad loans (59%).
Low Risk Liabilities: 77% of JYSK's liabilities are made up of primarily higher risk sources of funding.
Loan Level: JYSK has an appropriate level of Loans to Assets ratio (65%).
Low Risk Deposits: JYSK's Loans to Deposits ratio (299%) is high.
Level of Bad Loans: JYSK has a high level of bad loans (2.2%).
What is Jyske Bank's current dividend yield, its reliability and sustainability?
Forecast Dividend Yield
Dividend Yield vs Market
Notable Dividend: Unable to evaluate JYSK's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate JYSK's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if JYSK's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if JYSK's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: JYSK is not paying a notable dividend for the Danish market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of JYSK's dividend in 3 years as they are not forecast to pay a notable one for the Danish market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Anders Dam (63yo)
Mr. Anders Christian Dam has been the Chief Executive Officer and Managing Director of Jyske Bank A/S since 1997 and since 1995 respectively. Mr. Dam also serves as Member of Executive Board at Jyske Bank ...
CEO Compensation Analysis
Compensation vs Market: Anders's total compensation ($USD1.46M) is about average for companies of similar size in the Danish market ($USD1.65M).
Compensation vs Earnings: Anders's compensation has been consistent with company performance over the past year.
|MD, CEO & Member of Executive Board||23.33yrs||ø10.00m||no data|
|MD & Member of Executive Board||10.67yrs||ø7.90m||no data|
|MD & Member of Executive Board||6.67yrs||ø8.50m||no data|
|MD & Member of Executive Board||no data||ø8.70m||no data|
|Chief Financial Officer||no data||no data||no data|
|Head of Communications and Marketing||no data||no data||no data|
|Head of Trade Finance - Jyske Markets||no data||no data||no data|
|Head of Jyske Bank Domistic||no data||no data||no data|
|Managing Director of Business Service||13.33yrs||no data||no data|
|Head of Markets & Senior Director||7.33yrs||no data||no data|
Experienced Management: JYSK's management team is seasoned and experienced (10.7 years average tenure).
|Deputy Chairman of Supervisory Board & MD||0.17yr||no data||0.0016% DKK201.8k|
|Supervisory Board Chairman||16.17yrs||no data||0.0036% DKK453.3k|
|Supervisory Board Member||15.33yrs||no data||0.0055% DKK697.2k|
|Employee Representative Supervisory Board Member||14.17yrs||no data||0.0036% DKK458.4k|
|Supervisory Board Member||14.17yrs||no data||0.0040% DKK508.2k|
|Supervisory Board Member||13.17yrs||no data||0.0015% DKK192.8k|
|Employee Representative Supervisory Board Member||2.17yrs||no data||0.00045% DKK57.5k|
|Independent Supervisory Board Member||6yrs||no data||0.0024% DKK301.4k|
|Employee Representative Supervisory Board Member||3.83yrs||no data||0.00038% DKK48.5k|
|Independent Supervisory Board Member||1.17yrs||no data||0.0031% DKK398.4k|
Experienced Board: JYSK's board of directors are considered experienced (9.6 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Jyske Bank A/S's company bio, employee growth, exchange listings and data sources
- Name: Jyske Bank A/S
- Ticker: JYSK
- Exchange: CPSE
- Founded: 1967
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: ø12.769b
- Shares outstanding: 72.66m
- Website: https://www.jyskebank.dk
Number of Employees
- Jyske Bank A/S
- Vestergade 8-16
- Central Denmark Region
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|JYSK||CPSE (OMX Nordic Exchange Copenhagen)||Yes||Share Capital||DK||DKK||Jan 1992|
|JYS1||DB (Deutsche Boerse AG)||Yes||Share Capital||DE||EUR||Jan 1992|
|0MGD||LSE (London Stock Exchange)||Yes||Share Capital||GB||DKK||Jan 1992|
|JYSK.F||OTCPK (Pink Sheets LLC)||Yes||Share Capital||US||USD||Jan 1992|
|JYSKC||BATS-CHIXE (BATS 'Chi-X Europe')||Yes||Share Capital||GB||DKK||Jan 1992|
|JYSK.Y||OTCPK (Pink Sheets LLC)||UNSPONSORED ADR||US||USD||Dec 2008|
Jyske Bank A/S provides a range of financial solutions to personal, corporate, private banking, and institutional clients in Denmark, Gibraltar, and Germany. It offers deposit products; home loans for personal clients; mortgage solutions, including the financing of real property; car and equipment leasing and financing services; and advisory services relating to traditional financial solutions targeting personal and private banking clients, and corporate clients. The company provides investment services; trades in interest-rate products, currencies, equities, commodities, and derivatives; asset management; and wealth management advisory services. The company was founded in 1967 and is based in Silkeborg, Denmark.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/05/24 20:37|
|End of Day Share Price||2020/05/20 00:00|
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.