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Lea Bank AB (LEA) Fair Value & Analysis

Financial Services · SE · Market cap 1.2B SEK

LB Lea Bank AB LEA · ST
Pricekr 12.32
Fair Valuekr 24.64
Upside+100.0%
Quality91/100
Evidence: Medium Range kr 18.48 – kr 30.79

Fair value as of: Jun 26, 2026

From 10 valuation models · updated 3 days ago

Fair value updated Jun 26, 2026 — revised from kr 24.24 to kr 24.64 (+1.7%) since Jun 25, 2026. Share price −6.0% over the past month.

Price vs Fair Value (12 months)

kr 15.52 kr 10.58 Fair Value kr 24.64 Jun 2025 Jun 2026

12‑month range kr 10.58 – kr 15.52 · fair‑value band kr 18.48 – kr 30.79 · the kr 12.32 price screens below the kr 24.64 fair value. As of Jun 26, 2026.

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Analysis

Lea Bank AB (LEA) currently trades at kr 12.32, while our model-based Fair Value estimate is kr 24.64 — implying the stock looks roughly 100.0% undervalued today. We read business quality at 91/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: medium) — always confirm before acting.

Over the trailing twelve months, Lea Bank AB generated revenue of 380M SEK at a net margin of 30.8%. Revenue grew 18.7% year over year. It earns a return on equity of 8.7%. Net debt stands at 125M SEK. Fundamentals as of Jun 26, 2026

Key figures & financial health

Revenue (TTM) 380M SEK
Revenue growth (YoY) +18.7%
Net margin 30.8%
Return on equity 8.7%
Free cash flow −477M SEK FY2025
P/E ratio 10.3
More key figures
Operating margin 40.5%
EPS (TTM) kr 1.19
Dividend yield 5.8%
EPS growth (YoY) +50.0%
Net debt 125M SEK FY2025

Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.

About the company

Lea Bank AB (publ) provides various banking products and services in Norway, Sweden, Finland, and Spain. It provides savings and deposit accounts; loan products, including personal, collect, kitchen, and car without collateral loans; insurance products; and credit cards. Lea Bank AB (publ) was founded in 2016 and is headquartered in Gothenburg, Sweden.

Revenue & earnings trend

FY2022 – FY2025 · reported fiscal years

Lea Bank AB reported revenue of kr 670M in FY2025 versus kr 557M in FY2022, a compound +6.4%/yr. Reported net income was kr 115M in FY2025, compounding −8.4%/yr from FY2022.

Revenue +6.4%/yr
FY22 kr 557M
FY23 kr 586M
FY24 kr 77.0K
FY25 kr 670M
Net income −8.4%/yr
FY22 kr 150M
FY23 kr 104M
FY24 −kr 3.5M
FY25 kr 115M

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Similar stocks

6 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jun 26, 2026).

Stock Price Fair Value vs Fair Value
HDFC Bank Limited HDFCBANK ₹746.85 ₹880.28 +18%
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PT Bank Rakyat Indonesia (Persero) Tbk BBRI 2,870 IDR 5,740 IDR +100%
Banco Bradesco S.A BBD 5,120 ARS 10,240 ARS +100%
KB Financial Group 105560 154,000 KRW 172,992 KRW +12%
PT Bank Mandiri (Persero) Tbk BMRI 3,710 IDR 7,420 IDR +100%

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Frequently asked questions

Is Lea Bank AB (LEA) undervalued?
As of Jun 26, 2026, our model estimates a fair value of kr 24.64 versus a price of kr 12.32 — about +100% (undervalued). Model-based estimate, not financial advice.
What is the fair value of LEA?
Our 21-model fair value for Lea Bank AB is kr 24.64 (as of Jun 26, 2026), built from audited fundamentals. The current price is kr 12.32.
What is the quality score of LEA?
Lea Bank AB has a Quality Score of 91/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of Lea Bank AB (LEA)?
Lea Bank AB reported trailing-twelve-month revenue of about 380M SEK (latest available figure, as of Jun 26, 2026).
What is the net profit margin of LEA?
The net profit margin of Lea Bank AB is about 30.8%, meaning it keeps roughly 30.8% of revenue as net income. Based on the latest reported figures.
Does Lea Bank AB pay a dividend?
Lea Bank AB currently shows a dividend yield of about 5.84% relative to its recent price (as of Jun 26, 2026).

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.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.