SPKSJF Stock Overview
Sparekassen Sjælland-Fyn A/S, a savings bank, provides financial products and services to private and corporate customers.
Price History & Performance
|Historical stock prices|
|Current Share Price||kr.192.50|
|52 Week High||kr.199.00|
|52 Week Low||kr.93.40|
|1 Month Change||25.41%|
|3 Month Change||39.49%|
|1 Year Change||101.36%|
|3 Year Change||128.62%|
|5 Year Change||61.77%|
|Change since IPO||94.44%|
Recent News & Updates
|SPKSJF||DK Banks||DK Market|
Return vs Industry: SPKSJF exceeded the Danish Banks industry which returned 31.9% over the past year.
Return vs Market: SPKSJF exceeded the Danish Market which returned 10.1% over the past year.
|SPKSJF Average Weekly Movement||3.6%|
|Banks Industry Average Movement||3.5%|
|Market Average Movement||5.1%|
|10% most volatile stocks in DK Market||10.2%|
|10% least volatile stocks in DK Market||3.0%|
Stable Share Price: SPKSJF is less volatile than 75% of Danish stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: SPKSJF's weekly volatility (4%) has been stable over the past year.
About the Company
Sparekassen Sjælland-Fyn A/S, a savings bank, provides financial products and services to private and corporate customers. The company offers deposits and lending services, savings products, housing finance, pension savings products, asset management services, and investment and insurance products. It operates approximately 40 branches.
Sparekassen Sjælland-Fyn Fundamentals Summary
|SPKSJF fundamental statistics|
Is SPKSJF overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|SPKSJF income statement (TTM)|
|Cost of Revenue||kr.0|
Last Reported Earnings
Sep 30, 2021
Next Earnings Date
|Earnings per share (EPS)||22.51|
|Net Profit Margin||30.54%|
How did SPKSJF perform over the long term?See historical performance and comparison
Is Sparekassen Sjælland-Fyn undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: SPKSJF (DKK192.5) is trading below our estimate of fair value (DKK274.43)
Significantly Below Fair Value: SPKSJF is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: SPKSJF is good value based on its PE Ratio (8.6x) compared to the Danish Banks industry average (9.9x).
PE vs Market: SPKSJF is good value based on its PE Ratio (8.6x) compared to the Danish market (17x).
Price to Earnings Growth Ratio
PEG Ratio: SPKSJF's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: SPKSJF's PB Ratio (0.9x) is in line with the DK Banks industry average.
How is Sparekassen Sjælland-Fyn forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: SPKSJF's earnings are forecast to decline over the next 3 years (-9.2% per year).
Earnings vs Market: SPKSJF's earnings are forecast to decline over the next 3 years (-9.2% per year).
High Growth Earnings: SPKSJF's earnings are forecast to decline over the next 3 years.
Revenue vs Market: SPKSJF's revenue (1% per year) is forecast to grow slower than the Danish market (6.7% per year).
High Growth Revenue: SPKSJF's revenue (1% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: SPKSJF's Return on Equity is forecast to be low in 3 years time (9.2%).
How has Sparekassen Sjælland-Fyn performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: SPKSJF has a high level of non-cash earnings.
Growing Profit Margin: SPKSJF's current net profit margins (30.5%) are higher than last year (19.2%).
Past Earnings Growth Analysis
Earnings Trend: SPKSJF's earnings have grown by 16.8% per year over the past 5 years.
Accelerating Growth: SPKSJF's earnings growth over the past year (93%) exceeds its 5-year average (16.8% per year).
Earnings vs Industry: SPKSJF earnings growth over the past year (93%) exceeded the Banks industry 61.1%.
Return on Equity
High ROE: SPKSJF's Return on Equity (11.1%) is considered low.
How is Sparekassen Sjælland-Fyn'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: SPKSJF's Assets to Equity ratio (7.6x) is low.
Allowance for Bad Loans: Insufficient data to determine if SPKSJF has a sufficient allowance for bad loans.
Low Risk Liabilities: 91% of SPKSJF's liabilities are made up of primarily low risk sources of funding.
Loan Level: SPKSJF has an appropriate level of Loans to Assets ratio (43%).
Low Risk Deposits: SPKSJF's Loans to Deposits ratio (54%) is appropriate.
Level of Bad Loans: Insufficient data to determine if SPKSJF has an appropriate level of bad loans.
What is Sparekassen Sjælland-Fyn current dividend yield, its reliability and sustainability?
Forecast Dividend Yield
Dividend Yield vs Market
Notable Dividend: Unable to evaluate SPKSJF's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate SPKSJF'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 SPKSJF's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if SPKSJF's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: SPKSJF is not paying a notable dividend for the Danish market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of SPKSJF'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
Lars Petersson (54 yo)
Mr. Lars Petersson serves as Chief Executive Officer, Managing Director & Member of Executive Board at Sparekassen Sjælland-Fyn A/S. Mr. Petersson serves as Chief Executive Officer and Managing Director of...
CEO Compensation Analysis
Compensation vs Market: Lars's total compensation ($USD815.66K) is about average for companies of similar size in the Danish market ($USD745.83K).
Compensation vs Earnings: Lars's compensation has been consistent with company performance over the past year.
Experienced Management: SPKSJF's management team is considered experienced (3 years average tenure).
Experienced Board: SPKSJF's board of directors are considered experienced (9 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.
Sparekassen Sjælland-Fyn A/S's employee growth, exchange listings and data sources
- Name: Sparekassen Sjælland-Fyn A/S
- Ticker: SPKSJF
- Exchange: CPSE
- Founded: 1825
- Industry: Diversified Banks
- Sector: Banks
- Implied Market Cap: kr.3.313b
- Shares outstanding: 17.21m
- Website: https://www.spks.dk
Number of Employees
- Sparekassen Sjælland-Fyn A/S
- Isefjords Alle 5
- Zealand Region
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/01/17 23:05|
|End of Day Share Price||2022/01/17 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.