AL Sydbank A/S

CPSE:ALSYDB Stock Report

Market Cap: DKK 59.3b

AL Sydbank Valuation

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

Valuation Score

2/6

Valuation Score 2/6

  • Below Future Cash Flow Value

  • Significantly Below Future Cash Flow 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 ALSYDB when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Ultimate guide to DCF valuation for stock investing

Learn how to determine fair value like the best investors in the world.

Below Future Cash Flow Value: ALSYDB (DKK697.5) is trading below our estimate of future cash flow value (DKK1223.41)

Significantly Below Future Cash Flow Value: ALSYDB is trading below future cash flow value by more than 20%.

Key Valuation Metric

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

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

The above table shows the Price to Earnings ratio for ALSYDB. This is calculated by dividing ALSYDB's market cap by their current earnings.
What is ALSYDB's PE Ratio?
PE Ratio25.1x
EarningsDKK 2.37b
Market CapDKK 59.25b

Price to Earnings Ratio vs Peers

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

The above table shows the PE ratio for ALSYDB vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average12.6x
JYSK Jyske Bank
12.4x1.99%DKK 62.3b
DANSKE Danske Bank
13x2.63%DKK 302.3b
SJF SJF Bank
13.6xn/aDKK 7.7b
LASP Lån & Spar Bank
11.5xn/aDKK 4.8b
ALSYDB AL Sydbank
25.1x17.57%DKK 59.3b

Price-To-Earnings vs Peers: ALSYDB is expensive based on its Price-To-Earnings Ratio (25.1x) compared to the peer average (12.6x).

Historical Price to Earnings Ratio

Historical Price to Earnings Ratio compares a stock's price to its earnings over time. Higher ratios indicate that investors are willing to pay more for the stock.

Fetching historical data

Price to Earnings Ratio vs Industry

How does ALSYDB's PE Ratio compare vs other companies in the DK Banks Industry?

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
No more companies available in this PE range
ALSYDB 25.1xIndustry Avg. 12.2xNo. of Companies4PE0612182430+
0 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: ALSYDB is expensive based on its Price-To-Earnings Ratio (25.1x) compared to the European Banks industry average (12.2x).

Price to Earnings Ratio vs Fair Ratio

What is ALSYDB'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.

ALSYDB PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio25.1x
Fair PE Ratio18.8x

Price-To-Earnings vs Fair Ratio: ALSYDB is expensive based on its Price-To-Earnings Ratio (25.1x) compared to the estimated Fair Price-To-Earnings Ratio (18.8x).

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 ALSYDB forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentDKK 697.50
DKK 752.50
+7.89%
2.55%DKK 780.00DKK 730.00n/a4
Sep ’27DKK 675.00
DKK 752.50
+11.48%
2.55%DKK 780.00DKK 730.00n/a4
Aug ’27DKK 624.00
DKK 698.25
+11.90%
3.75%DKK 735.00DKK 668.00n/a4
Jul ’27DKK 588.50
DKK 676.75
+15.00%
4.21%DKK 710.00DKK 647.00n/a4
Jun ’27DKK 527.50
DKK 676.75
+28.29%
4.21%DKK 710.00DKK 647.00n/a4
May ’27DKK 549.00
DKK 675.00
+22.95%
4.97%DKK 720.00DKK 630.00n/a4
Apr ’27DKK 536.00
DKK 661.67
+23.45%
2.78%DKK 685.00DKK 640.00n/a3
Mar ’27DKK 566.00
DKK 663.00
+17.14%
2.54%DKK 685.00DKK 644.00n/a3
Feb ’27DKK 571.50
DKK 618.00
+8.14%
7.85%DKK 660.00DKK 550.00n/a3
Jan ’27DKK 570.00
DKK 613.33
+7.60%
7.57%DKK 660.00DKK 550.00n/a3
Dec ’26DKK 557.50
DKK 627.00
+12.47%
5.26%DKK 660.00DKK 594.00n/a2
Nov ’26DKK 553.00
DKK 620.00
+12.12%
8.06%DKK 670.00DKK 570.00n/a2
Oct ’26DKK 513.50
DKK 582.50
+13.44%
2.15%DKK 595.00DKK 570.00n/a2
Sep ’26DKK 491.60
DKK 582.50
+18.49%
2.15%DKK 595.00DKK 570.00DKK 675.002
Apr ’26DKK 433.80
DKK 467.50
+7.77%
6.95%DKK 500.00DKK 435.00DKK 536.002
Feb ’26DKK 382.20
DKK 412.50
+7.93%
3.03%DKK 425.00DKK 400.00DKK 571.502
Jan ’26DKK 380.00
DKK 412.50
+8.55%
3.03%DKK 425.00DKK 400.00DKK 570.002
Dec ’25DKK 350.60
DKK 415.00
+18.37%
3.61%DKK 430.00DKK 400.00DKK 557.502
Nov ’25DKK 331.00
DKK 415.00
+25.38%
3.61%DKK 430.00DKK 400.00DKK 553.002
DKK 752.5
Fair Value
7.3% undervalued intrinsic discount
4
Number of Analysts

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

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/09/11 23:00
End of Day Share Price 2026/09/11 00:00
Earnings2026/06/30
Annual Earnings2025/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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 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

AL Sydbank A/S is covered by 7 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
null nullABG Sundal Collier
Kristofer Liljeberg-SvenssonCarnegie Investment Bank AB
Maria SemikhatovaCitigroup Inc