How does ALMBC's PE Ratio compare to its peers?

ALMBC is expensive based on its Price-To-Earnings Ratio (25.9x) compared to the peer average (5.7x).

How does ALMBC's PE Ratio compare vs other companies in the European Insurance Industry?

ALMBC is expensive based on its Price-To-Earnings Ratio (25.9x) compared to the European Insurance industry average (11.8x).

What is ALMBC'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.

Insufficient data to calculate ALMBC's Price-To-Earnings Fair Ratio for valuation analysis.

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

ALMBC (DKK13.15) is trading above our estimate of [[fair value]] (DKK3.38)

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

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

Alm. Brand (BATS-CHIXE:ALMBC) - Stock Price, News & Analysis

ALMBC Stock Overview

Provides non-life insurance products and services in Denmark. More details

ALMBC fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	2/6
Past Performance	4/6
Financial Health	3/6
Dividends	2/6

Rewards

Earnings are forecast to grow 14.91% per year

Earnings grew by 60.2% over the past year

Risk Analysis

Dividend of 4.06% is not well covered by earnings or free cash flows

Shares are highly illiquid

Large one-off items impacting financial results

Alm. Brand A/S Competitors

Lancashire Holdings

LSE:LRE

UK£1.5b

Direct Line Insurance Group

LSE:DLG

UK£2.1b

Hiscox

LSE:HSX

UK£3.5b

Beazley

LSE:BEZ

UK£4.9b

Price History & Performance

Summary of all time highs, changes and price drops for Alm. Brand
Historical stock prices
Current Share Price	DKK 13.15
52 Week High	DKK 13.49
52 Week Low	DKK 12.01
Beta	1.07
11 Month Change	-2.34%
3 Month Change	9.45%
1 Year Change	n/a
33 Year Change	-71.37%
5 Year Change	-76.37%
Change since IPO	-33.08%

Recent updates

Shareholder Returns

	ALMBC	GB Insurance	GB Market
7D	0%	0.3%	2.2%
1Y	n/a	-6.9%	8.0%

Return vs Industry: Insufficient data to determine how ALMBC performed against the UK Insurance industry.

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

Price Volatility

Is ALMBC's price volatile compared to industry and market?
ALMBC volatility
ALMBC Average Weekly Movement	n/a
Insurance Industry Average Movement	3.3%
Market Average Movement	4.8%
10% most volatile stocks in GB Market	10.3%
10% least volatile stocks in GB Market	2.6%

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

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

About the Company

Founded	Employees	CEO	Website
1792	2,265	Rasmus Nielsen	www.almbrand.dk

Alm. Brand A/S, together with its subsidiaries, provides non-life insurance products and services in Denmark. It offers health and accident, workers’ compensation, liability, vehicle, fire and property, marine, aviation and transport, and other insurance products to private households, agricultural, and commercial customers through its sales channels and partnerships. The company was founded in 1792 and is headquartered in Copenhagen, Denmark.

Alm. Brand A/S Fundamentals Summary

How do Alm. Brand's earnings and revenue compare to its market cap?
ALMBC fundamental statistics
Market cap	DKK 20.40b
Earnings (TTM)	DKK 788.00m
Revenue (TTM)	DKK 14.98b

25.9x

P/E Ratio

1.4x

P/S Ratio

Is ALMBC overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
ALMBC income statement (TTM)
Revenue	DKK 14.98b
Cost of Revenue	DKK 10.48b
Gross Profit	DKK 4.50b
Other Expenses	DKK 3.71b
Earnings	DKK 788.00m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

Feb 05, 2025

Earnings per share (EPS)	0.52
Gross Margin	30.02%
Net Profit Margin	5.26%
Debt/Equity Ratio	12.9%

How did ALMBC perform over the long term?

See historical performance and comparison

Dividends

4.1%

Current Dividend Yield

107%

Payout Ratio

ALMBC Stock Overview

Rewards

Risk Analysis

Alm. Brand A/S Competitors

LSE:LRE

UK£1.5b

LSE:DLG

UK£2.1b

LSE:HSX

UK£3.5b

LSE:BEZ

UK£4.9b

Price History & Performance

Recent News & Updates

Alm. Brand A/S, Annual General Meeting, Apr 10, 2025

Alm. Brand A/S to Report Q1, 2025 Results on May 01, 2025

Alm. Brand A/S (CPSE:ALMB) announces an Equity Buyback for 151,000,000 shares, representing 9.99% for DKK 150 million.

Alm. Brand A/S Provides Earnings Guidance for the Year 2024

Alm. Brand A/S Approves Dividend for the Year 2023

Less than half of directors are independent

Recent updates

Alm. Brand A/S, Annual General Meeting, Apr 10, 2025

Alm. Brand A/S to Report Q1, 2025 Results on May 01, 2025

Alm. Brand A/S (CPSE:ALMB) announces an Equity Buyback for 151,000,000 shares, representing 9.99% for DKK 150 million.

Alm. Brand A/S Provides Earnings Guidance for the Year 2024

Alm. Brand A/S Approves Dividend for the Year 2023

Less than half of directors are independent

Alm. Brand A/S Recommends Dividend for the Year 2023

Alm. Brand A/S Announces Resignation of Jørn Pedersen as Member of the Board of Directors, Effective February 1, 2024

Alm. Brand A/S Provides Earnings Guidance for the Year 2024

Alm. Brand Provides Consolidated Earnings Guidance for the Full Year 2023

Alm. Brand A/S, Annual General Meeting, Apr 18, 2024

Less than half of directors are independent

Alm. Brand Group Upgrades Guidance for the Full-Year 2023

Less than half of directors are independent

Upcoming dividend of kr.0.30 per share at 2.4% yield

Less than half of directors are independent

No independent directors

Group CEO recently sold kr.251k worth of stock

Alm. Brand A/S Recommends Dividend for the Year 2022

No independent directors

Alm. Brand A/S to Report Q1, 2023 Results on May 11, 2023

No independent directors

No independent directors

Alm. Brand A/S Provides Earnings Guidance for 2022

Second quarter 2022 earnings released: kr.0.097 loss per share (vs kr.1.08 profit in 2Q 2021)

Alm. Brand A/S to Report Fiscal Year 2022 Final Results on Mar 02, 2023

No independent directors

No independent directors

No independent directors

Alm. Brand A/S Announces Executive Changes

Alm. Brand A/S Adopts the Resolution to Pay Dividend

Alm. Brand A/S Appoints Anne Mette Toftegaard as Deputy CEO and on the Management Board

Full year 2021 earnings: EPS in line with expectations, revenues disappoint

No independent directors

Full year 2021 earnings: Revenues and EPS in line with analyst expectations

Alm. Brand A/S Recommends Ordinary Dividend

No independent directors

No independent directors

Investor sentiment deteriorated over the past week

No independent directors

Third quarter 2021 earnings released: EPS kr.0.53 (vs kr.1.53 in 3Q 2020)

No independent directors

No independent directors

No independent directors

Director Flemming Jørgensen has left the company

Investor sentiment deteriorated over the past week

Alm. Brand A/S (CPSE:ALMB) entered into a binding agreement to acquire Danish Business of Codan Forsikring A/S for approximately DKK 12.6 billion.

First quarter 2021 earnings released: EPS kr.0.70 (vs kr.0.16 in 1Q 2020)

Alm. Brand A/S Provides Earnings Guidance for the Full Year 2021

Alm. Brand A/S Approves Dividend for 2020

Full year 2020 earnings released: EPS kr.4.33 (vs kr.2.90 in FY 2019)

Alm. Brand A/S Announces Board Changes

Alm. Brand A/S Upgrades Earnings Guidance for the Third Quarter of 2020

Sydbank A/S (CPSE:SYDB) agreed to acquire Alm. Brand A/S (CPSE:ALMB) for DKK 1.8 billion.

Alm. Brand Appoints Mikael Hvolgaard as Permanent Executive Vice President, Private

Alm. Brand A/S to Report First Half, 2021 Results on Aug 19, 2021

Shareholder Returns

Price Volatility

About the Company