SPKSJC Stock Overview

A savings bank, provides financial products and services to private and corporate customers. More details

SPKSJC fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	0/6
Past Performance	5/6
Financial Health	4/6
Dividends	3/6

Rewards

Trading at 46.8% below our estimate of its fair value

Earnings grew by 27.1% over the past year

Risk Analysis

Earnings are forecast to decline by an average of 6% per year for the next 3 years

Shares are highly illiquid

Unstable dividend track record

My Notes

Capture your thoughts, links and company narrative

Sparekassen Sjælland-Fyn A/S Competitors

Close Brothers Group

LSE:CBG

UK£343.3m

Arbuthnot Banking Group

AIM:ARBB

UK£147.4m

TBC Bank Group

LSE:TBCG

UK£1.7b

Bank of Georgia Group

LSE:BGEO

UK£2.0b

Price History & Performance

Summary of share price highs, lows and changes for Sparekassen Sjælland-Fyn
Historical stock prices
Current Share Price	DKK 223.75
52 Week High	DKK 0
52 Week Low	DKK 0
Beta	0.40
1 Month Change	0%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	150.84%
Change since IPO	116.18%

Recent updates

Shareholder Returns

	SPKSJC	GB Banks	GB Market
7D	0%	-0.8%	-2.6%
1Y	n/a	34.0%	2.7%

Return vs Industry: Insufficient data to determine how SPKSJC performed against the UK Banks industry.

Return vs Market: Insufficient data to determine how SPKSJC performed against the UK Market.

Price Volatility

Is SPKSJC's price volatile compared to industry and market?
SPKSJC volatility
SPKSJC Average Weekly Movement	n/a
Banks Industry Average Movement	3.7%
Market Average Movement	4.8%
10% most volatile stocks in GB Market	10.5%
10% least volatile stocks in GB Market	2.6%

Stable Share Price: SPKSJC's share price has been volatile over the past 3 months compared to the UK market.

Volatility Over Time: Insufficient data to determine SPKSJC's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1825	535	Lars Petersson	www.spks.dk

Sparekassen Sjælland-Fyn A/S, a savings bank, provides financial products and services to private and corporate customers. The company offers residence and car loans, pension, investment, and insurance products. It also offers online and mobile banking, as well as provides digital solutions.

Sparekassen Sjælland-Fyn A/S Fundamentals Summary

How do Sparekassen Sjælland-Fyn's earnings and revenue compare to its market cap?
SPKSJC fundamental statistics
Market cap	DKK 3.46b
Earnings (TTM)	DKK 549.52m
Revenue (TTM)	DKK 1.69b

6.3x

P/E Ratio

0.8x

P/B Ratio

Is SPKSJC overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
SPKSJC income statement (TTM)
Revenue	DKK 1.69b
Cost of Revenue	DKK 0
Gross Profit	DKK 1.69b
Other Expenses	DKK 1.14b
Earnings	DKK 549.52m

Last Reported Earnings

Jun 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	32.60
Gross Margin	100.00%
Net Profit Margin	32.55%
Debt/Equity Ratio	48.9%

How did SPKSJC perform over the long term?

See historical performance and comparison

Dividends

3.9%

Current Dividend Yield

25%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/10/04 08:16
End of Day Share Price	2024/07/08 00:00
Earnings	2024/06/30
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	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* 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

Sparekassen Sjælland-Fyn A/S is covered by 1 analysts. 1 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
Asbjørn Mørk	Danske Bank

Sparekassen Sjælland-Fyn BATS-CHIXE:SPKSJC Stock Report