LEA Stock Overview

Provides various banking products and services in Norway, Finland, Sweden, Germany, Spain, Austria, and France. More details

LEA fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	5/6
Past Performance	1/6
Financial Health	4/6
Dividends	3/6

Rewards

Trading at 57.7% below our estimate of its fair value

Earnings are forecast to grow 31.46% per year

Risk Analysis

Shares are highly illiquid

Does not have a meaningful market cap (SEK955M)

My Notes

Capture your thoughts, links and company narrative

Lea Bank AB Competitors

Norion Bank

OM:NORION

SEK 8.1b

TF Bank

OM:TFBANK

SEK 8.3b

Svenska Handelsbanken

OM:SHB A

SEK 248.7b

Swedbank

OM:SWED A

SEK 276.4b

Price History & Performance

Summary of share price highs, lows and changes for Lea Bank
Historical stock prices
Current Share Price	SEK 10.00
52 Week High	SEK 11.40
52 Week Low	SEK 9.58
Beta	0
1 Month Change	n/a
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	-7.05%

Recent updates

Shareholder Returns

	LEA	SE Banks	SE Market
7D	-1.0%	1.1%	0.3%
1Y	n/a	10.3%	13.5%

Return vs Industry: Insufficient data to determine how LEA performed against the Swedish Banks industry.

Return vs Market: Insufficient data to determine how LEA performed against the Swedish Market.

Price Volatility

Is LEA's price volatile compared to industry and market?
LEA volatility
LEA Average Weekly Movement	n/a
Banks Industry Average Movement	2.7%
Market Average Movement	5.6%
10% most volatile stocks in SE Market	12.2%
10% least volatile stocks in SE Market	3.3%

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

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

About the Company

Founded	Employees	CEO	Website
2003	48	Oddbjorn Berentsen	www.leabank.no

Lea Bank AB provides various banking products and services in Norway, Finland, Sweden, Germany, Spain, Austria, and France. It provides savings and deposit accounts; consumer loans, including car, boat, and motorcycle loans, as well as renovation, holiday, and Wedding loans; refinancing; payment insurance products; credit cards loan; and other financial services. Lea Bank AB was incorporated in 2003 and is headquartered in Gothenburg, Sweden.

Lea Bank AB Fundamentals Summary

How do Lea Bank's earnings and revenue compare to its market cap?
LEA fundamental statistics
Market cap	SEK 955.23m
Earnings (TTM)	SEK 89.42m
Revenue (TTM)	SEK 309.00m

10.7x

P/E Ratio

0.7x

P/B Ratio

Is LEA overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
LEA income statement (TTM)
Revenue	NOK 318.01m
Cost of Revenue	NOK 0
Gross Profit	NOK 318.01m
Other Expenses	NOK 225.98m
Earnings	NOK 92.03m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	0.96
Gross Margin	100.00%
Net Profit Margin	28.94%
Debt/Equity Ratio	5.6%

How did LEA perform over the long term?

See historical performance and comparison

Dividends

5.3%

Current Dividend Yield

57%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/02/06 05:28
End of Day Share Price	2025/02/06 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	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.

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 Github.

Analyst Sources

Lea Bank AB is covered by 2 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
Vegard Toverud	Pareto Securities
Herman Zahl	Pareto Securities

Lea Bank OM:LEA Stock Report