Spar Nord Bank AS is a retail bank operating in Denmark. About half of the bank's presence is in North Jutland. The company mostly grew outside its home base via mergers and acquisitions. It caters to common households and local small and medium-sized enterprises. The company's strategy emphasizes personalization and financial technology. Most of the bank's income is net interest income, followed by net fees, charges, and commissions. The majority of the bank's loan portfolio is business lending. The bank's business loan portfolio is diversified among several industries, Most notably financial services, real estate, trade, and agriculture, hunting, and forestry.
1824
1.8K+
LTM Revenue $792M
LTM EBITDA n/a
$2.7B
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Spar Nord Bank has a last 12-month revenue of $792M and a last 12-month EBITDA of n/a.
In the most recent fiscal year, Spar Nord Bank achieved revenue of $770M and an EBITDA of n/a.
Spar Nord Bank expects next 12-month revenue of XXX   and NTM EBITDA of XXX
See Spar Nord Bank valuation multiples based on analyst estimatesFY 2022 | FY 2023 | FY 2024 | LTM | NTM | |
---|---|---|---|---|---|
Revenue | $568M | $772M | $770M | $792M | XXX |
Gross Profit | n/a | n/a | n/a | XXX | XXX |
Gross Margin | NaN% | NaN% | NaN% | XXX | XXX |
EBITDA | n/a | n/a | n/a | n/a | XXX |
EBITDA Margin | NaN% | NaN% | NaN% | 0% | XXX |
Net Profit | $198M | $338M | $310M | XXX | XXX |
Net Margin | 35% | 44% | 40% | XXX | XXX |
Net Debt | $580M | $1.3B | $1.2B | XXX | XXX |
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As of February 10, 2025, Spar Nord Bank's stock price is DKK 208 (or $29).
Spar Nord Bank has current market cap of DKK 23.9B (or $3.3B), and EV of DKK 19.5B (or $2.7B).
See Spar Nord Bank trading valuation dataEV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
---|---|---|---|---|---|---|
$2.7B | $3.3B | XXX | XXX | XXX | XXX | $2.62 |
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Sign UpAs of February 10, 2025, Spar Nord Bank has market cap of $3.3B and EV of $2.7B.
Spar Nord Bank's trades at 3.4x LTM EV/Revenue multiple, and n/a LTM EBITDA.
Analysts estimate Spar Nord Bank's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
See valuation multiples for Spar Nord Bank and 10K+ public compsFY 2024 | FY 2025E | FY 2026E | FY 2027E | |
---|---|---|---|---|
EV | $2.7B | XXX | XXX | XXX |
EV/Revenue | 3.5x | XXX | XXX | XXX |
EV/EBITDA | n/a | XXX | XXX | XXX |
P/E | 10.7x | XXX | XXX | XXX |
P/E/Growth | n/a | XXX | XXX | XXX |
EV/FCF | n/a | XXX | XXX | XXX |
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Access all public comps and forward-looking valuation multiples like EV/Revenue in 2025, based on equity research analyst estimates.
Sign UpSpar Nord Bank's NTM/LTM revenue growth is -5%
Spar Nord Bank's revenue per employee for the last fiscal year averaged $0.4M, while opex per employee averaged $0.2M for the same period.
Over next 12 months, Spar Nord Bank's ratio of sales and marketing spend to revenue is estimated to be XXX , while its R&D spend to revenue to be XXX .
Analysts estimate Spar Nord Bank's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
See operational valuation multiples for Spar Nord Bank and other 10K+ public compsFY 2024 | NTM | FY 2025E | FY 2026E | FY 2027E | |
---|---|---|---|---|---|
Revenue Growth | 0% | XXX | XXX | XXX | XXX |
EBITDA Margin | n/a | XXX | XXX | XXX | XXX |
EBITDA Growth | n/a | XXX | XXX | XXX | XXX |
Rule of 40 (SaaS-only) | n/a | XXX | XXX | XXX | XXX |
Revenue per Employee | $0.4M | XXX | XXX | XXX | XXX |
Opex per Employee | $0.2M | XXX | XXX | XXX | XXX |
S&M Expenses to Revenue | 1% | XXX | XXX | XXX | XXX |
G&A Expenses to Revenue | 2% | XXX | XXX | XXX | XXX |
R&D Expenses to Revenue | n/a | XXX | XXX | XXX | XXX |
Opex to Revenue | 50% | XXX | XXX | XXX | XXX |
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EV/Revenue | EV/EBITDA | |||||
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2025E | 2026E | 2027E | 2025E | 2026E | 2027E | |
Abu Dhabi Commercial Bank | XXX | XXX | XXX | XXX | XXX | XXX |
Abu Dhabi Islamic Bank | XXX | XXX | XXX | XXX | XXX | XXX |
First Abu Dhabi Bank | XXX | XXX | XXX | XXX | XXX | XXX |
National Bank of Fujairah | XXX | XXX | XXX | XXX | XXX | XXX |
XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
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Spar Nord Bank acquired XXX companies to date.
Last acquisition by Spar Nord Bank was XXXXXXXX, XXXXX XXXXX XXXXXX . Spar Nord Bank acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX ).
See M&A valuation multiplesAcquired Company | EV | EV/Revenue | EV/EBITDA |
---|---|---|---|
XXXXXXXXX | XXX | XXX | XXX |
XXXXXXXXX | XXX | XXX | XXX |
XXXXXXXXX | XXX | XXX | XXX |
XXXXXXXXX | XXX | XXX | XXX |
XXXXXXXXX | XXX | XXX | XXX |
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Sign UpWhen was Spar Nord Bank founded? | Spar Nord Bank was founded in 1824. |
Where is Spar Nord Bank headquartered? | Spar Nord Bank is headquartered in Denmark. |
How many employees does Spar Nord Bank have? | As of today, Spar Nord Bank has 1.8K+ employees. |
Who is the CEO of Spar Nord Bank? | Spar Nord Bank's CEO is Mr. Lasse Nyby. |
Is Spar Nord Bank publicy listed? | Yes, Spar Nord Bank is a public company listed on CSE. |
What is the stock symbol of Spar Nord Bank? | Spar Nord Bank trades under SPNO ticker. |
When did Spar Nord Bank go public? | Spar Nord Bank went public in 1993. |
Who are competitors of Spar Nord Bank? | Similar companies to Spar Nord Bank include e.g. Abu Dhabi Commercial Bank, Abu Dhabi Islamic Bank, First Abu Dhabi Bank, National Bank of Fujairah. |
What is the current market cap of Spar Nord Bank? | Spar Nord Bank's current market cap is $3.3B |
What is the current revenue of Spar Nord Bank? | Spar Nord Bank's last 12-month revenue is $792M. |
What is the current EV/Revenue multiple of Spar Nord Bank? | Current revenue multiple of Spar Nord Bank is 3.4x. |
What is the current revenue growth of Spar Nord Bank? | Spar Nord Bank revenue growth between 2023 and 2024 was 0%. |
Is Spar Nord Bank profitable? | Yes, Spar Nord Bank is EBITDA-positive (as of the last 12 months). |
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