Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Jyske Bank A/S is a leading independent Danish bank and one of the third largest in Denmark by market share, headquartered in Silkeborg outside Copenhagen. Formed in 1967 through the merger of four mid-Jutland banks, it has grown via strategic acquisitions to operate approximately 98-110 domestic branches and a single international branch in Hamburg, Germany. The shareholder-owned institution provides comprehensive financial services to private individuals, small and medium-sized enterprises, corporations, institutions, and the public sector, including banking, mortgages via subsidiary Jyske Realkredit, leasing, asset management, brokerage, insurance, and credit card solutions. Structured into Banking, Mortgage, and Leasing segments, Jyske Bank emphasizes decentralized operations under unified policies, with notable offerings in securities, currency transactions, private banking, and real property financing. Employing around 3,800 people, it maintains a significant presence on the Copenhagen Stock Exchange as the second-largest listed bank headquartered outside the capital, playing a key role in Denmark's regional banking landscape and broader financial services sector.
DKK 942.75
+DKK 2.25 (+0.24%)
Live · 10:05 PM · Twelve Data
37.50% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue growth slowed to 2.3%, essentially flat. This is a business that needs a catalyst.
Financial stocks carry unique risks (credit cycles, regulatory changes, interest rate sensitivity) that aren't captured by standard quality metrics.
11.0x earnings. In line with financial-sector norms. The question is whether the current credit environment supports sustained earnings at this level.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (FY)
DKK 14.44B
▲ +2.3% YoY
Net Income (FY)
DKK 5.41B
▲ +1.9% YoY
Net Margin
—
P/E
11.0x
Balance Sheet
Total Assets
DKK 777.06B
Equity
DKK 52.31B
Total Debt
DKK 452.37B
Cash & Equiv.
DKK 57.76B
3Y CAGR: +15.1%
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At a P/E of 11.0 and a price-to-free-cash-flow of 13.9, Jyske Bank AS (JYSK.XCSE) trades above a two-stage DCF intrinsic value of about DKK -5,620.43 per share, so at DKK 942.75 the stock looks overvalued (696.2% above estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Jyske Bank AS scores 77/100 on Intrinsiqq's quality scorecard (a solid business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 2.8%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about DKK -5,620.43 per share for JYSK.XCSE, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around DKK -4,215.33. At today's DKK 942.75, that puts the stock about 696.2% above estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Jyske Bank AS scores 77 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a solid business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, Jyske Bank AS pays a regular dividend of about DKK 26.56 per share per year (typically in quarterly installments), a yield of roughly 2.8% at the current price. Jyske Bank AS has grown the dividend at roughly 75.7% a year over the past few years. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For JYSK.XCSE's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. JYSK.XCSE currently trades above its estimated intrinsic value and scores 77/100 on quality (solid). It also yields about 2.8%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.