Obermatt

AL Sydbank

CPH:ALSYDB · DK0010311471
BanksSmall

360

90
Profit price15
Cash yield51
Price/Sales34
EV / Gross Profit91
Price/Book47
Returns on capital34
Profit margins
Cash Conversion66
Accruals97
Owner Earnings Margin19
Sales growth98
Profit Growth27
Owner Earnings Growth13
Reinvestment49
Price momentum32
Debt load86
Debt serviceability21
Liquidity46
Analyst ratings100
Opinion Changes50
Price Target Upside84
Market mood21
Value Creation13/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

AL Sydbank clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryDenmark
IndustryBanks
SizeSmall
TypePublic Company
ExchangeCPSE
Employees1,909
ISINDK0010311471
Last UpdateApr 2, 2026
Themes
Digital BrokerageOnline Analysis and ReferenceBankingFinancial Services

Description

AL Sydbank A/S provides various banking products and services to corporate, private, retail, and institutional clients. Business Segments The company operates through various business segments, each tailored to meet the diverse needs of its clients…

Analysis

Hope premium

AL Sydbank A/S carries what we call a hope premium: an average business trading at an ambitious price.

The price is fair. You pay 21.1× its owner earnings: the cash an owner could take out each year, which is in the historically fair zone.

The trajectory is solid and accelerating and the balance sheet is adequate. The company scores 13/20 on our value-creation score: creating some value. Analysts lean positive.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
38
2023202420252026

All-time high

99

Jan 2023

All-time low

1

Jan 2025

Average rank

49

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
34
26
34
38
Price/Earnings
18
26
52
30
Price/Book
47
16
21
31
Dividend Yield
51
42
82
67
Value (overall)
28
17
45
35

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →