AS LHV Group Balance Sheet Health
Financial Health criteria checks 6/6
AS LHV Group has total assets of €7.8B and total equity of €639.8M. Total deposits are €6.2B, and total loans are €4.1B. It earns a Net Interest Margin of 3.9%. It has sufficient allowance for bad loans, which are currently at 0.9% of total loans. Cash and short-term investments are €3.3B.
Key information
12.2x
Asset to equity ratio
3.9%
Net interest margin
| Total deposits | €6.25b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.9% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | €3.34b |
Recent financial health updates
No updates
Recent updates
Here's Why We Think AS LHV Group (TAL:LHV1T) Is Well Worth Watching
Jun 18
Here's Why AS LHV Group's (TAL:LHV1T) CEO May Deserve A Raise
Mar 14With EPS Growth And More, AS LHV Group (TAL:LHV1T) Makes An Interesting Case
Jan 05Here's Why We Think AS LHV Group (TAL:LHV1T) Is Well Worth Watching
Sep 08Does AS LHV Group (TAL:LHV1T) Deserve A Spot On Your Watchlist?
Aug 13Is Now The Time To Put AS LHV Group (TAL:LHV1T) On Your Watchlist?
Apr 12AS LHV Group (TAL:LHV1T) Is Increasing Its Dividend To €0.40
Mar 07Here's Why I Think AS LHV Group (TAL:LHV1T) Is An Interesting Stock
Jan 05Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: LHV1T's Assets to Equity ratio (12.2x) is moderate.
Allowance for Bad Loans: LHV1T has a sufficient allowance for bad loans (118%).
Low Risk Liabilities: 87% of LHV1T's liabilities are made up of primarily low risk sources of funding.
Loan Level: LHV1T has an appropriate level of Loans to Assets ratio (53%).
Low Risk Deposits: LHV1T's Loans to Deposits ratio (66%) is appropriate.
Level of Bad Loans: LHV1T has an appropriate level of bad loans (0.9%).
Discover healthy companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/01/08 00:13 |
| End of Day Share Price | 2025/01/08 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
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 |
| |
| Analyst Consensus Estimates | +3 years |
|
|
| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
|
* 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 here.
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 .
Analyst Sources
AS LHV Group is covered by 2 analysts. 0 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 |
|---|---|
| Andrej Rodionov | Swedbank AS |
| Andrej Rodionov | Swedbank Large Corporates & Institutions |