Ringkjøbing Landbobank A/S

LSE:0RPR Stock Report

Market Cap: DKK 29.6b

Ringkjøbing Landbobank Valuation

Is 0RPR undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of 0RPR when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: 0RPR (DKK1156.7) is trading below our estimate of fair value (DKK1541.81)

Significantly Below Fair Value: 0RPR is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 0RPR?

Key metric: As 0RPR is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 0RPR. This is calculated by dividing 0RPR's market cap by their current earnings.
What is 0RPR's PE Ratio?
PE Ratio12.4x
EarningsDKK 2.38b
Market CapDKK 29.61b

Price to Earnings Ratio vs Peers

How does 0RPR's PE Ratio compare to its peers?

The above table shows the PE ratio for 0RPR vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average4.5x
TCS TCS Group Holding
6.5xn/aUS$5.1b
HSBK Halyk Bank of Kazakhstan
3.3xn/aUS$5.1b
BGEO Bank of Georgia Group
3.2x-3.2%UK£2.2b
TBCG TBC Bank Group
5x16.8%UK£1.8b
0RPR Ringkjøbing Landbobank
12.4x-2.6%DKK 29.6b

Price-To-Earnings vs Peers: 0RPR is expensive based on its Price-To-Earnings Ratio (12.4x) compared to the peer average (4.5x).

Price to Earnings Ratio vs Industry

How does 0RPR's PE Ratio compare vs other companies in the European Banks Industry?

2 CompaniesPrice / EarningsEstimated GrowthMarket Cap
0RPR 12.4xIndustry Avg. 7.3xNo. of Companies45PE0612182430+
2 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: 0RPR is expensive based on its Price-To-Earnings Ratio (12.4x) compared to the European Banks industry average (7.2x).

Price to Earnings Ratio vs Fair Ratio

What is 0RPR's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

0RPR PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio12.4x
Fair PE Ratio4.7x

Price-To-Earnings vs Fair Ratio: 0RPR is expensive based on its Price-To-Earnings Ratio (12.4x) compared to the estimated Fair Price-To-Earnings Ratio (4.7x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 0RPR forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentDKK 1,156.70
DKK 1,330.00
+15.0%
1.5%DKK 1,350.00DKK 1,310.00n/a2
Nov ’25DKK 1,141.00
DKK 1,330.00
+16.6%
1.5%DKK 1,350.00DKK 1,310.00n/a2
Oct ’25DKK 1,037.00
DKK 1,295.00
+24.9%
0.4%DKK 1,300.00DKK 1,290.00n/a2
Sep ’25DKK 1,106.00
DKK 1,295.00
+17.1%
0.4%DKK 1,300.00DKK 1,290.00n/a2
Aug ’25DKK 1,159.96
DKK 1,295.00
+11.6%
0.4%DKK 1,300.00DKK 1,290.00n/a2
Jul ’25DKK 1,182.00
DKK 1,295.00
+9.6%
0.4%DKK 1,300.00DKK 1,290.00n/a2
Mar ’25DKK 1,181.30
DKK 1,247.50
+5.6%
0.2%DKK 1,250.00DKK 1,245.00n/a2
Feb ’25DKK 1,127.18
DKK 1,247.50
+10.7%
0.2%DKK 1,250.00DKK 1,245.00n/a2
Jan ’25DKK 992.22
DKK 1,180.00
+18.9%
1.7%DKK 1,200.00DKK 1,160.00n/a2
Dec ’24DKK 940.50
DKK 1,180.00
+25.5%
1.7%DKK 1,200.00DKK 1,160.00n/a2
Nov ’24DKK 960.50
DKK 1,180.00
+22.9%
1.7%DKK 1,200.00DKK 1,160.00DKK 1,141.002
Oct ’24DKK 1,022.90
DKK 1,180.00
+15.4%
1.7%DKK 1,200.00DKK 1,160.00DKK 1,037.002
Sep ’24DKK 1,026.20
DKK 1,205.00
+17.4%
3.7%DKK 1,250.00DKK 1,160.00DKK 1,106.002
Aug ’24DKK 961.70
DKK 1,160.00
+20.6%
3.4%DKK 1,200.00DKK 1,120.00DKK 1,159.962
Jul ’24DKK 981.60
DKK 1,050.00
+7.0%
15.1%DKK 1,200.00DKK 830.00DKK 1,182.003
Jun ’24DKK 935.50
DKK 1,050.00
+12.2%
15.1%DKK 1,200.00DKK 830.00DKK 1,230.003
May ’24DKK 952.04
DKK 1,050.00
+10.3%
15.1%DKK 1,200.00DKK 830.00DKK 1,187.003
Apr ’24DKK 967.08
DKK 1,066.67
+10.3%
16.5%DKK 1,250.00DKK 830.00DKK 1,209.003
Mar ’24DKK 1,096.11
DKK 1,066.67
-2.7%
16.5%DKK 1,250.00DKK 830.00DKK 1,181.303
Feb ’24DKK 980.90
DKK 1,033.33
+5.3%
14.0%DKK 1,150.00DKK 830.00DKK 1,127.183
Jan ’24DKK 946.98
DKK 1,016.67
+7.4%
13.0%DKK 1,120.00DKK 830.00DKK 992.223
Dec ’23DKK 899.00
DKK 1,016.67
+13.1%
13.0%DKK 1,120.00DKK 830.00DKK 940.503
Nov ’23DKK 823.00
DKK 1,016.67
+23.5%
13.0%DKK 1,120.00DKK 830.00DKK 960.503

Analyst Forecast: Target price is less than 20% higher than the current share price.

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