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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt No Debt
NRBAY's Cash to Debt is ranked higher than
87% of the 1549 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.49 vs. NRBAY: No Debt )
NRBAY' s 10-Year Cash to Debt Range
Min: No Debt   Max: No Debt
Current: No Debt

Equity to Asset 0.05
NRBAY's Equity to Asset is ranked lower than
51% of the 1958 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.09 vs. NRBAY: 0.05 )
NRBAY' s 10-Year Equity to Asset Range
Min: 0.03   Max: 0.05
Current: 0.05

0.03
0.05
Interest Coverage 0.81
NRBAY's Interest Coverage is ranked higher than
62% of the 1803 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.27 vs. NRBAY: 0.81 )
NRBAY' s 10-Year Interest Coverage Range
Min: 0.29   Max: 0.81
Current: 0.81

0.29
0.81
F-Score: 4
Z-Score: 0.15
WACC vs ROIC
12.86%
11.34%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 42.19
NRBAY's Operating margin (%) is ranked higher than
88% of the 1983 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 29.82 vs. NRBAY: 42.19 )
NRBAY' s 10-Year Operating margin (%) Range
Min: 32.51   Max: 51.7
Current: 42.19

32.51
51.7
Net-margin (%) 32.65
NRBAY's Net-margin (%) is ranked higher than
90% of the 1983 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 21.87 vs. NRBAY: 32.65 )
NRBAY' s 10-Year Net-margin (%) Range
Min: 15.28   Max: 42.81
Current: 32.65

15.28
42.81
ROE (%) 11.25
NRBAY's ROE (%) is ranked higher than
86% of the 1993 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 8.74 vs. NRBAY: 11.25 )
NRBAY' s 10-Year ROE (%) Range
Min: 10.35   Max: 21.92
Current: 11.25

10.35
21.92
ROA (%) 0.51
NRBAY's ROA (%) is ranked higher than
64% of the 1995 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.80 vs. NRBAY: 0.51 )
NRBAY' s 10-Year ROA (%) Range
Min: 0.4   Max: 0.92
Current: 0.51

0.4
0.92
ROC (Joel Greenblatt) (%) 888.36
NRBAY's ROC (Joel Greenblatt) (%) is ranked higher than
98% of the 1957 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 77.19 vs. NRBAY: 888.36 )
NRBAY' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 431.03   Max: 1221.84
Current: 888.36

431.03
1221.84
Revenue Growth (3Y)(%) 2.30
NRBAY's Revenue Growth (3Y)(%) is ranked higher than
79% of the 1650 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.70 vs. NRBAY: 2.30 )
NRBAY' s 10-Year Revenue Growth (3Y)(%) Range
Min: -14.7   Max: 13.4
Current: 2.3

-14.7
13.4
EBITDA Growth (3Y)(%) 4.10
NRBAY's EBITDA Growth (3Y)(%) is ranked higher than
72% of the 1492 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 6.10 vs. NRBAY: 4.10 )
NRBAY' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -17.1   Max: 26
Current: 4.1

-17.1
26
EPS Growth (3Y)(%) 4.90
NRBAY's EPS Growth (3Y)(%) is ranked higher than
71% of the 1539 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 8.90 vs. NRBAY: 4.90 )
NRBAY' s 10-Year EPS Growth (3Y)(%) Range
Min: -19.3   Max: 32.5
Current: 4.9

-19.3
32.5
» NRBAY's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 14.50
NRBAY's P/E(ttm) is ranked higher than
83% of the 2664 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 17.80 vs. NRBAY: 14.50 )
NRBAY' s 10-Year P/E(ttm) Range
Min: 8.02   Max: 30.38
Current: 14.5

8.02
30.38
Forward P/E 12.61
NRBAY's Forward P/E is ranked higher than
89% of the 2664 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 16.98 vs. NRBAY: 12.61 )
N/A
PE(NRI) 14.40
NRBAY's PE(NRI) is ranked higher than
84% of the 2664 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 17.80 vs. NRBAY: 14.40 )
NRBAY' s 10-Year PE(NRI) Range
Min: 8.15   Max: 30.38
Current: 14.4

8.15
30.38
P/B 1.55
NRBAY's P/B is ranked higher than
71% of the 2664 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.38 vs. NRBAY: 1.55 )
NRBAY' s 10-Year P/B Range
Min: 0.85   Max: 2.6
Current: 1.55

0.85
2.6
P/S 4.82
NRBAY's P/S is ranked higher than
69% of the 2664 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 3.72 vs. NRBAY: 4.82 )
NRBAY' s 10-Year P/S Range
Min: 2.4   Max: 8.35
Current: 4.82

2.4
8.35
EV-to-EBIT 10.32
NRBAY's EV-to-EBIT is ranked higher than
88% of the 2664 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 19.77 vs. NRBAY: 10.32 )
NRBAY' s 10-Year EV-to-EBIT Range
Min: 5.8   Max: 22.8
Current: 10.32

5.8
22.8
Shiller P/E 16.28
NRBAY's Shiller P/E is ranked higher than
90% of the 2664 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.00 vs. NRBAY: 16.28 )
NRBAY' s 10-Year Shiller P/E Range
Min: 11.8   Max: 16.28
Current: 16.28

11.8
16.28

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.04
NRBAY's Dividend Yield is ranked higher than
92% of the 1894 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.35 vs. NRBAY: 3.04 )
NRBAY' s 10-Year Dividend Yield Range
Min: 2.16   Max: 6.94
Current: 3.04

2.16
6.94
Dividend Payout 0.36
NRBAY's Dividend Payout is ranked higher than
74% of the 2664 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.60 vs. NRBAY: 0.36 )
NRBAY' s 10-Year Dividend Payout Range
Min: 0.96   Max: 2.05
Current: 0.36

0.96
2.05
Dividend growth (3y) -1.60
NRBAY's Dividend growth (3y) is ranked higher than
69% of the 1121 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 6.10 vs. NRBAY: -1.60 )
NRBAY' s 10-Year Dividend growth (3y) Range
Min: 0   Max: -1.6
Current: -1.6

Yield on cost (5-Year) 2.69
NRBAY's Yield on cost (5-Year) is ranked higher than
77% of the 1907 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.62 vs. NRBAY: 2.69 )
NRBAY' s 10-Year Yield on cost (5-Year) Range
Min: 1.87   Max: 6.02
Current: 2.69

1.87
6.02

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.72
NRBAY's Price/Tangible Book is ranked higher than
72% of the 2664 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.65 vs. NRBAY: 1.72 )
NRBAY' s 10-Year Price/Tangible Book Range
Min: 1.04   Max: 2.41
Current: 1.72

1.04
2.41
Price/DCF (Projected) 0.55
NRBAY's Price/DCF (Projected) is ranked higher than
91% of the 2664 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 7.61 vs. NRBAY: 0.55 )
NRBAY' s 10-Year Price/DCF (Projected) Range
Min: 0.34   Max: 0.49
Current: 0.55

0.34
0.49
Price/Median PS Value 1.29
NRBAY's Price/Median PS Value is ranked higher than
75% of the 2664 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.22 vs. NRBAY: 1.29 )
NRBAY' s 10-Year Price/Median PS Value Range
Min: 0.7   Max: 1.44
Current: 1.29

0.7
1.44
Price/Graham Number 1.05
NRBAY's Price/Graham Number is ranked higher than
79% of the 2664 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.16 vs. NRBAY: 1.05 )
NRBAY' s 10-Year Price/Graham Number Range
Min: 0.65   Max: 1.02
Current: 1.05

0.65
1.02
Earnings Yield (Greenblatt) 9.70
NRBAY's Earnings Yield (Greenblatt) is ranked higher than
85% of the 1969 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 6.70 vs. NRBAY: 9.70 )
NRBAY' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.4   Max: 17.2
Current: 9.7

4.4
17.2
Forward Rate of Return (Yacktman) 10.15
NRBAY's Forward Rate of Return (Yacktman) is ranked higher than
68% of the 1229 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 13.86 vs. NRBAY: 10.15 )
NRBAY' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 98.1   Max: 370.6
Current: 10.15

98.1
370.6

Business Description

Industry: Banks » Banks - Regional - Europe
Compare: » details
Traded in other countries:0JNL.UK, NDA DKK.Denmark, NDA SEK.Sweden, NDA1V.Finland, 0N31.UK, NBZF.Germany, NDB.Germany,
Nordea Bank AB is a financial services group in Northern Europe. The Bank offers its services to both corporate and individual customers. It has branches located in Denmark, Finland, Norway, Sweden, Estonia, Latvia, Lithuania, Poland, Russia and Luxembourg. It has three business areas, Retail Banking, Wholesale Banking and Wealth Management. Retail Banking conducts a full service banking operation and offers financial services to household and corporate customers. Wholesale Banking provides banking and other financial solutions to large Nordic and international corporate, institutional and public companies. Wealth Management provides high quality investment, savings and risk management products. It manages customers' assets, provides wealth planning and gives investment advice to high-net-worth individuals as well as institutional investors. The business area consists of the business units Asset Management, Private Banking and Life & Pensions as well as the service unit Savings & Wealth Offerings.
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