Alm. Brand A/S/DKr ALMB
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About Alm. Brand A/S
Alm. Brand A/S operates as a financial services group primarily in Denmark, offering a range of insurance and banking products. The company’s core business segments include non-life insurance, where it provides coverage such as motor, property, and personal insurance, alongside financial services and pension products in its banking division. Founded in 1792, Alm. Brand has a long-standing presence in the Danish market, with headquarters located in Copenhagen. Its strategic positioning emphasizes a comprehensive service model catering to individual and business customers, leveraging deep market knowledge and established customer relationships.
- Ticker
- DKr ALMB
- Sector
- Finance
- Primary listing
- CSE
- Employees
- 2,082
- Headquarters
- Copenhagen, Denmark
- Website
- www.almbrand.dk
Alm. Brand A/S Metrics
BasicAdvanced
kr 24B
25.85
kr 0.67
-
kr 0.66
3.80%
Price and volume
Market cap
kr 24B
52-week high
kr 19.14
52-week low
kr 14.01
Average daily volume
1.6M
Dividend rate
kr 0.66
Financial strength
Current ratio
11.752
Quick ratio
8.014
Long term debt to equity
0.113
Total debt to equity
0.114
Dividend payout ratio (TTM)
95.86%
Interest coverage (TTM)
13.08%
Profitability
EBITDA (TTM)
2,666
Gross margin (TTM)
23.63%
Net profit margin (TTM)
7.36%
Operating margin (TTM)
15.06%
Effective tax rate (TTM)
26.50%
Revenue per employee (TTM)
kr 6,460,000
Management effectiveness
Return on assets (TTM)
3.90%
Return on equity (TTM)
8.45%
Valuation
Price to earnings (TTM)
25.853
Price to revenue (TTM)
1.801
Price to book
2.13
Price to tangible book (TTM)
10.68
Price to free cash flow (TTM)
13.306
Free cash flow yield (TTM)
7.52%
Free cash flow per share (TTM)
1.305
Dividend yield (TTM)
3.80%
Forward dividend yield
3.80%
Growth
Revenue change (TTM)
0.43%
Earnings per share change (TTM)
-18.88%
3-year revenue growth (CAGR)
-1.96%
10-year revenue growth (CAGR)
6.87%
3-year earnings per share growth (CAGR)
20.24%
10-year earnings per share growth (CAGR)
-17.12%
3-year dividend per share growth (CAGR)
30.06%
10-year dividend per share growth (CAGR)
-7.88%
What the Analysts think about Alm. Brand A/S
Analyst ratings (Buy, Hold, Sell) for Alm. Brand A/S stock.
Analyst projections of the future price of Alm. Brand A/S stock.
Bulls say / Bears say
Alm. Brand raised its 2026 insurance service result forecast by DKK 250 million to DKK 1.5–1.6 billion, and now expects a lower combined ratio of 86.5–87.5. This points to stronger near-term underwriting profits, although the upgrade was helped by low major and weather claims and run-off gains. (Alm. Brand)
Underlying operations showed strength in Q2: excluding a one-off reserve charge, the insurance service result was a record DKK 648 million, supported by 5.2% growth in Personal Lines and a better underlying claims ratio. This suggests the core insurance business can perform well despite the reported hit from the ruling. (Alm. Brand)
The group planned a DKK 1 billion share buyback after the workers’ compensation charge, and reported solvency coverage of 202% against its 180% target. That capital buffer and planned return to shareholders offer support to the investment case. (GlobeNewswire)
A Danish Supreme Court ruling lowered the threshold for workers’ compensation claims, prompting Alm. Brand to book a DKK 700 million reserve charge and cut its 2026 insurance service result guidance. The ruling highlights potential claims liabilities beyond ordinary year-to-year underwriting swings. (GlobeNewswire)
Commercial Lines premiums fell 2.3% in Q2, while total insurance revenue grew only 1.7%; management linked the commercial decline to its focus on profitability in a soft market. This restrained top-line growth may limit earnings expansion if Personal Lines growth does not offset it. (Alm. Brand)
The latest forecast upgrade relied on low major and weather claims and run-off gains, while management said the Q3 year-on-year improvement in the underlying claims ratio was relatively modest versus the first half. That makes the improved outlook more vulnerable if claims return to less favourable levels. (Alm. Brand)
Data summarised monthly by Lightyear AI. Last updated on 7 Oct 2026.
Alm. Brand A/S Financial Performance
Revenues and expenses
Alm. Brand A/S Earnings Performance
Company profitability
Upcoming events
No upcoming events
Funds containing Alm. Brand A/S
AllUSDEURGBP
Fund name | Fund size | DKr ALMB weighting |
|---|---|---|
Xtrackers MSCI Europe Small Cap£XXSC | $3.6B | 0.11% |
Xtrackers MSCI Europe Small Cap€DX2J | $3.6B | 0.11% |
L&G Global Quality Dividends£LDGG | $353M | 0.04% |
iShares MSCI World Small Cap£WLDS | $9B | 0.02% |
iShares MSCI World Small Cap€IUSN | $9B | 0.02% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Market data provided by CBOE Europe and Deutsche Börse.