Lån & Spar Bank A/S (LASP) – Weekly Analysis

LASP

Lån & Spar Bank A/S – CPH

“Patience reduces risk more reliably than prediction.”

Weekly Share Price & Valuation Overview

Market Overview

Open

905.0000

High

905.0000

Low

905.0000

Trend

0.76018

Lån & Spar Bank A/S

Denmark • CPH - Copenhagen Stock Exchange • LASP • Currency: DKK

Lån & Spar Bank A/S provides various banking products and services in Denmark. The company offers savings, budget, student, salary, and payroll accounts; private, car, caravan or motorcycle, housing, mortgage, business, and energy loans; cards; and investment certificates and bonds. It also provides pension products; and private, life, health, and other insurance products, as well as online and mobile banking services. Lån & Spar Bank A/S was founded in 1880 and is headquartered in Copenhagen, Denmark.

Key strengths

Healthy operating margin (≥15%) indicates efficient core operations.
Double-digit profit margin (≥10%) supports robust bottom-line economics.
Net cash balance sheet provides flexibility for downturns and investment.

Scale & Structure Core size and share structure. TTM values unless noted. “Estimated” where reconciled from per-share × shares.

Market Cap Total equity value of the company (share price × shares outstanding).: DKK 3.14B
Enterprise Value Operating value: market cap + total debt − cash.: DKK -14.15B
Total Revenue (TTM) Sales over the last twelve months. May be estimated from revenue per share when inconsistent.: DKK 1.57B
Revenue per Share (TTM) Total revenue divided by shares outstanding (may be estimated).: DKK 454.18
EPS (TTM) Earnings per share over the last twelve months (may be estimated from net income ÷ shares).: 126.34
Dividend Yield Annual dividend ÷ share price. Reconciled using dividend per share when available.: 2.21%
Shares Outstanding: 3.46M
Float Shares: 2.77M
Implied Shares Outstanding: 3.52M

Profitability & Efficiency TTM basis. “Reconciled” = numerator ÷ TTM revenue. Financials: EBITDA/Gross Profit may be hidden where not meaningful.

Operating Margin (TTM) Strong Operating income ÷ revenue over the last twelve months (reconciled when possible).: 35.35%
Profit Margin (TTM) Solid Net income ÷ revenue over the last twelve months (reconciled when possible).: 27.80%
ROA Return on assets: net income ÷ total assets.: 1.16%
ROE Return on equity: net income ÷ shareholder equity.: 13.64%

Growth Growth rates are YoY unless labeled QoQ.

Revenue Growth Year-over-year revenue growth.: 5.30%
Earnings Growth (YoY) Year-over-year earnings growth.: -0.60%
Earnings Growth (QoQ) Quarter-over-quarter earnings growth.: -0.40%

Liquidity & Solvency Balance-sheet health. Debt metrics shown as latest ratios; D/E is a ratio (not %).

Total Cash Cash and equivalents.: DKK 18.52B
Total Debt Short + long-term interest-bearing debt.: DKK 1.24B
Net Debt Net Cash Total debt − cash (negative = net cash).: DKK -17.28B

Sharemaestro House View

Confidence: 2 Risk: 1 Operational: 3 Composite Score: 3 Suggested Allocation: 5.00%

Structural Insights (experimental)

Ownership & Liquidity

Free Float 79.8%

Insiders 35.7%

Institutions 12.1%

Capital Structure

Potential Dilution

1.7%

Net Debt

DKK -17.28B

-1099.1% of revenue

Resilience Score 100

Methodology Notes

Gross Profit hidden for financial institutions (often redundant with revenue).

As of: 2025-09-09 12:46

Disclaimer: Information is compiled from publicly available sources and is subject to errors and omissions. It is provided as a guide only and does not constitute investment advice. Please do your own research.

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Weekly Share Price & Valuation Overview

Lån & Spar Bank A/S