AL Sydbank A/S (ALSYDB) Fair Value & Analysis
Financial Services · DK · Market cap 51.6B DKK
Fair value as of: Jul 18, 2026
From 4 valuation models · updated 23 days ago
Share price +7.0% over the past month.
Below-average quality, and screening another 61% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case (kr 307.97). The favourable scenario is already priced in.
- Weak quality (39/100) and above fair value at the same time, the margin of safety is missing on both counts.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 18, 2026.
How to read this chart
60‑month range kr 128.22 – kr 641.50 · fair‑value band kr 184.78 – kr 307.97 · the kr 635.50 price screens above the kr 246.38 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 18, 2026.
Analysis
AL Sydbank A/S (ALSYDB) currently trades at kr 635.50, while our model-based Fair Value estimate is kr 246.38, implying the stock looks roughly 61.2% overvalued today. The Quality Score stands at 39/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, AL Sydbank A/S generated revenue of 9.5B DKK at a net margin of 21.6%. Revenue grew 65.3% year over year. It earns a return on equity of 8.1%. The balance sheet holds a net cash position of 5.6B DKK. Fundamentals as of Jul 18, 2026
Our scenario range runs from kr 184.78 (bear case) to kr 307.97 (bull case); at kr 635.50, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 56% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at -61%, ALSYDB screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 4 models by family
Widest divergence: Economic Profit (kr 343.84) versus Multiples (kr 289.86). Highest evidence: Residual Income (76).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 18, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 41 · Market factors (momentum, volatility) 78
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
AL Sydbank A/S, together with its subsidiaries, provides various banking products and services to retail clients, corporates, and associations in Denmark and internationally. The company operates through Banking, Asset Management, AL Sydbank Markets, Treasury, and Other segments.
Full company description
AL Sydbank A/S, together with its subsidiaries, provides various banking products and services to retail clients, corporates, and associations in Denmark and internationally. The company operates through Banking, Asset Management, AL Sydbank Markets, Treasury, and Other segments. The company offers various deposits and loans and advances, advisory services, securities trading, asset management, distribution of mortgage credit products, investment products, pension, and insurance products. It also provides private banking solutions; services for investment funds, pooled pension plans, foundations, institutional clients, and wealthy customers; and economic research and equity research. Further, it provides retail banking services, such as insurance, housing, pension, and mortgage credit services to retail clients; mortgage bonds; and advice and quotes prices as regards bonds, shares, and foreign exchange, as well as undertakes market-making obligations for institutional clients, central banks, foreign and other clients, and banks. The company was formerly known as Sydbank A/S and changed its name to AL Sydbank A/S in December 2025. AL Sydbank A/S was founded in 1986 and is headquartered in Aabenraa, Denmark.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
AL Sydbank A/S reported revenue of kr 7.5B in FY2025 versus kr 4.8B in FY2021, a compound +12.1%/yr. Reported net income was kr 1.9B in FY2025, compounding +7.6%/yr from FY2021.
ALSYDB screens 61% overvalued. Compare with PT Bank Central Asia Tbk →
Recent news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- AL Sydbank A/S share buyback programme: transactions in week 31
- AL Sydbank A/S share buyback programme: transactions in week 29
- AL Sydbank A/S share buyback programme: transactions in week 28
- AL Sydbank A/S share buyback programme: transactions in week 27
Peer Group
Banks - Regional · 1083 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 18, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,175 IDR | 6,087 IDR | -1% |
| KB Financial Group 105560 | 184,400 KRW | 213,797 KRW | +16% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,970 IDR | 4,891 IDR | +65% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,310 IDR | 7,841 IDR | +82% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| Shinhan Financial Group 055550 | 107,900 KRW | 137,259 KRW | +27% |
| Hana Financial Group 086790 | 136,800 KRW | 193,969 KRW | +42% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Banco de Chile, CHILE | 193.10 CLP | 152.55 CLP | -21% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 59,400 VND | 84,201 VND | +42% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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