AL Sydbank/€SYDB
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About AL Sydbank
Sydbank A/S is a Danish financial institution operating primarily within the banking industry. It provides a range of financial services including personal and business banking, mortgage lending, asset management, and investment services. Established in 1970 through the merger of four smaller regional banks, Sydbank has its headquarters in Aabenraa, Denmark. Its operations are primarily focused within Denmark, although it also serves clients in Northern Germany. Sydbank's strategic positioning includes a strong emphasis on regional expertise and customer relationships, supported by a robust digital banking platform.
- Ticker
- €SYDB
- Sector
- Finance
- Primary listing
- XGAT
- Employees
- 3,888
- Headquarters
- Aabenraa, Denmark
- Website
- www.sydbank.com
AL Sydbank Metrics
BasicAdvanced
€8.1B
21.11
€4.51
0.42
€3.35
3.52%
Price and volume
Market cap
€8.1B
Beta
0.42
52-week high
€94.10
52-week low
€66.70
Average daily volume
141K
Dividend rate
€3.35
Financial strength
Dividend payout ratio (TTM)
88.15%
Profitability
Net profit margin (TTM)
22.21%
Operating margin (TTM)
51.08%
Effective tax rate (TTM)
23.09%
Revenue per employee (TTM)
€378,620
Management effectiveness
Return on assets (TTM)
0.87%
Return on equity (TTM)
9.31%
Valuation
Price to earnings (TTM)
21.107
Price to revenue (TTM)
4.494
Price to book
1.74
Price to tangible book (TTM)
2.35
Price to free cash flow (TTM)
7.055
Free cash flow yield (TTM)
14.17%
Free cash flow per share (TTM)
13.483
Dividend yield (TTM)
3.52%
Forward dividend yield
3.52%
Growth
Revenue change (TTM)
61.47%
Earnings per share change (TTM)
-24.36%
3-year revenue growth (CAGR)
18.78%
3-year earnings per share growth (CAGR)
-9.70%
10-year earnings per share growth (CAGR)
6.67%
3-year dividend per share growth (CAGR)
14.24%
10-year dividend per share growth (CAGR)
12.15%
What the Analysts think about AL Sydbank
Analyst ratings (Buy, Hold, Sell) for AL Sydbank stock.
Analyst projections of the future price of AL Sydbank stock.
Bulls say / Bears say
H1 profit was DKK1.8bn, return on tangible equity was 13.3%, and the bank lifted its 2026 profit outlook to the upper half of its DKK3.5–4.0bn range. That points to solid earnings momentum. (London Stock Exchange)
The merger offers material cost-saving potential: AL Sydbank had delivered DKK175m of savings by June against a DKK1.2bn target, with management saying progress was on plan. Further savings could improve efficiency as integration advances. (London Stock Exchange, Finanswatch)
The bank is returning capital through a DKK1.1bn share buyback, while its CET1 ratio stood at 16.0% at the end of June, up from 15.8% at year-end 2025. This combines a sizeable shareholder return with a stronger reported capital buffer. (Inderes, London Stock Exchange)
Credit quality bears watching: Q2 loan impairments were DKK94m, above analyst expectations, and credit-impaired loans rose to 1.7% of lending from 1.1% at year-end. The bank also has more than DKK1bn of exposure to pig farmers facing low settlement prices. (Inderes, Finanswatch)
The merger still carries operational execution risk: staff at branches serving customers from different legacy banks have faced access problems because systems remain separate. The planned move to Bankdata is not due until 2027, extending the period of integration complexity. (Finanswatch)
Q2 earnings were helped by volatile portfolio gains: the DKK134m result was DKK45m above expectations and accounted for about two-thirds of the pre-tax earnings beat, after a DKK73m loss in Q1. That makes reported performance less predictable than underlying customer income alone suggests. (Inderes)
Data summarised monthly by Lightyear AI. Last updated on 1 Nov 2026.
AL Sydbank Financial Performance
Revenues and expenses
AL Sydbank Earnings Performance
Company profitability
Upcoming events
No upcoming events
Funds containing AL Sydbank
AllEURUSD
Fund name | Fund size | €SYDB weighting |
|---|---|---|
Vanguard ESG Developed Europe All Cap£V3EA | €125M | 0.07% |
Vanguard ESG Developed Europe All Cap£V3EL | €35M | 0.07% |
Vanguard ESG Global All Cap$V3AA | $1.1B | 0.01% |
Vanguard ESG Global All Cap€V3AA | $1.1B | 0.01% |
Vanguard ESG Global All Cap£V3AB | $1.1B | 0.01% |
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.