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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 N/A
NRBAY's Cash to Debt is ranked higher than
90% of the 983 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.38 vs. NRBAY: N/A )
Ranked among companies with meaningful Cash to Debt only.
NRBAY' s 10-Year Cash to Debt Range
Min: N/A  Med: 9999.00 Max: N/A
Current: N/A
Equity to Asset 0.04
NRBAY's Equity to Asset is ranked lower than
97% of the 1353 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.10 vs. NRBAY: 0.04 )
Ranked among companies with meaningful Equity to Asset only.
NRBAY' s 10-Year Equity to Asset Range
Min: 0.03  Med: 0.04 Max: 0.05
Current: 0.04
0.03
0.05
Interest Coverage 0.96
NRBAY's Interest Coverage is ranked lower than
64% of the 1269 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.61 vs. NRBAY: 0.96 )
Ranked among companies with meaningful Interest Coverage only.
NRBAY' s 10-Year Interest Coverage Range
Min: 0.29  Med: 0.63 Max: 1
Current: 0.96
0.29
1
F-Score: 6
WACC vs ROIC
12.17%
13.16%
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 (%) 49.26
NRBAY's Operating margin (%) is ranked higher than
84% of the 1421 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 30.31 vs. NRBAY: 49.26 )
Ranked among companies with meaningful Operating margin (%) only.
NRBAY' s 10-Year Operating margin (%) Range
Min: 32.51  Med: 44.71 Max: 51.78
Current: 49.26
32.51
51.78
Net-margin (%) 38.48
NRBAY's Net-margin (%) is ranked higher than
85% of the 1421 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 22.02 vs. NRBAY: 38.48 )
Ranked among companies with meaningful Net-margin (%) only.
NRBAY' s 10-Year Net-margin (%) Range
Min: 15.28  Med: 31.51 Max: 42.74
Current: 38.48
15.28
42.74
ROE (%) 13.16
NRBAY's ROE (%) is ranked higher than
76% of the 1423 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 8.48 vs. NRBAY: 13.16 )
Ranked among companies with meaningful ROE (%) only.
NRBAY' s 10-Year ROE (%) Range
Min: 10.38  Med: 12.09 Max: 21.87
Current: 13.16
10.38
21.87
ROA (%) 0.57
NRBAY's ROA (%) is ranked lower than
69% of the 1432 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.87 vs. NRBAY: 0.57 )
Ranked among companies with meaningful ROA (%) only.
NRBAY' s 10-Year ROA (%) Range
Min: 0.41  Med: 0.55 Max: 0.92
Current: 0.57
0.41
0.92
Revenue Growth (3Y)(%) 4.80
NRBAY's Revenue Growth (3Y)(%) is ranked lower than
51% of the 1210 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.10 vs. NRBAY: 4.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NRBAY' s 10-Year Revenue Growth (3Y)(%) Range
Min: -16.9  Med: 1.90 Max: 13.6
Current: 4.8
-16.9
13.6
EBITDA Growth (3Y)(%) 11.00
NRBAY's EBITDA Growth (3Y)(%) is ranked higher than
61% of the 1066 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 7.60 vs. NRBAY: 11.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NRBAY' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -17.1  Med: 6.55 Max: 26
Current: 11
-17.1
26
EPS Growth (3Y)(%) 10.50
NRBAY's EPS Growth (3Y)(%) is ranked higher than
52% of the 1065 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 9.70 vs. NRBAY: 10.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NRBAY' s 10-Year EPS Growth (3Y)(%) Range
Min: -19.3  Med: 7.70 Max: 32.5
Current: 10.5
-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) 11.36
NRBAY's P/E(ttm) is ranked higher than
64% of the 1300 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 13.20 vs. NRBAY: 11.36 )
Ranked among companies with meaningful P/E(ttm) only.
NRBAY' s 10-Year P/E(ttm) Range
Min: 8.02  Med: 12.01 Max: 30.38
Current: 11.36
8.02
30.38
Forward P/E 12.36
NRBAY's Forward P/E is ranked lower than
52% of the 718 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 11.82 vs. NRBAY: 12.36 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 11.30
NRBAY's PE(NRI) is ranked higher than
64% of the 1288 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 13.20 vs. NRBAY: 11.30 )
Ranked among companies with meaningful PE(NRI) only.
NRBAY' s 10-Year PE(NRI) Range
Min: 8.15  Med: 12.03 Max: 30.38
Current: 11.3
8.15
30.38
P/B 1.46
NRBAY's P/B is ranked lower than
75% of the 1381 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.05 vs. NRBAY: 1.46 )
Ranked among companies with meaningful P/B only.
NRBAY' s 10-Year P/B Range
Min: 0.85  Med: 1.32 Max: 2.6
Current: 1.46
0.85
2.6
P/S 4.26
NRBAY's P/S is ranked lower than
76% of the 1426 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.88 vs. NRBAY: 4.26 )
Ranked among companies with meaningful P/S only.
NRBAY' s 10-Year P/S Range
Min: 2.39  Med: 3.74 Max: 8.35
Current: 4.26
2.39
8.35
PFCF 4.19
NRBAY's PFCF is ranked higher than
74% of the 858 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 10.85 vs. NRBAY: 4.19 )
Ranked among companies with meaningful PFCF only.
NRBAY' s 10-Year PFCF Range
Min: 1.22  Med: 6.66 Max: 302.16
Current: 4.19
1.22
302.16
POCF 3.97
NRBAY's POCF is ranked higher than
73% of the 954 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 9.17 vs. NRBAY: 3.97 )
Ranked among companies with meaningful POCF only.
NRBAY' s 10-Year POCF Range
Min: 0.8  Med: 4.23 Max: 75.54
Current: 3.97
0.8
75.54
EV-to-EBIT 8.63
NRBAY's EV-to-EBIT is ranked higher than
76% of the 1297 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 13.56 vs. NRBAY: 8.63 )
Ranked among companies with meaningful EV-to-EBIT only.
NRBAY' s 10-Year EV-to-EBIT Range
Min: 5.8  Med: 8.80 Max: 22.8
Current: 8.63
5.8
22.8
Shiller P/E 14.32
NRBAY's Shiller P/E is ranked higher than
63% of the 784 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 15.97 vs. NRBAY: 14.32 )
Ranked among companies with meaningful Shiller P/E only.
NRBAY' s 10-Year Shiller P/E Range
Min: 10.94  Med: 13.47 Max: 16.45
Current: 14.32
10.94
16.45

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 5.65
NRBAY's Dividend Yield is ranked higher than
88% of the 2262 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.73 vs. NRBAY: 5.65 )
Ranked among companies with meaningful Dividend Yield only.
NRBAY' s 10-Year Dividend Yield Range
Min: 2.85  Med: 3.72 Max: 6.94
Current: 5.65
2.85
6.94
Dividend Payout 0.65
NRBAY's Dividend Payout is ranked lower than
85% of the 1321 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.33 vs. NRBAY: 0.65 )
Ranked among companies with meaningful Dividend Payout only.
NRBAY' s 10-Year Dividend Payout Range
Min: 1.04  Med: 1.61 Max: 2.3
Current: 0.65
1.04
2.3
Dividend growth (3y) 15.60
NRBAY's Dividend growth (3y) is ranked higher than
70% of the 671 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 7.50 vs. NRBAY: 15.60 )
Ranked among companies with meaningful Dividend growth (3y) only.
NRBAY' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 0.00 Max: 15.6
Current: 15.6
0
15.6
Yield on cost (5-Year) 10.24
NRBAY's Yield on cost (5-Year) is ranked higher than
91% of the 2265 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 3.15 vs. NRBAY: 10.24 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
NRBAY' s 10-Year Yield on cost (5-Year) Range
Min: 5.16  Med: 6.73 Max: 12.56
Current: 10.24
5.16
12.56

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.60
NRBAY's Price/Tangible Book is ranked lower than
73% of the 1349 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.15 vs. NRBAY: 1.60 )
Ranked among companies with meaningful Price/Tangible Book only.
NRBAY' s 10-Year Price/Tangible Book Range
Min: 1.05  Med: 1.49 Max: 2.41
Current: 1.6
1.05
2.41
Price/Projected FCF 0.46
NRBAY's Price/Projected FCF is ranked higher than
69% of the 806 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.67 vs. NRBAY: 0.46 )
Ranked among companies with meaningful Price/Projected FCF only.
NRBAY' s 10-Year Price/Projected FCF Range
Min: 0.44  Med: 0.53 Max: 0.65
Current: 0.46
0.44
0.65
Price/Median PS Value 1.03
NRBAY's Price/Median PS Value is ranked lower than
61% of the 1310 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.05 vs. NRBAY: 1.03 )
Ranked among companies with meaningful Price/Median PS Value only.
NRBAY' s 10-Year Price/Median PS Value Range
Min: 0.68  Med: 0.98 Max: 1.42
Current: 1.03
0.68
1.42
Price/Peter Lynch Fair Value 2.42
NRBAY's Price/Peter Lynch Fair Value is ranked lower than
84% of the 371 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.92 vs. NRBAY: 2.42 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
NRBAY' s 10-Year Price/Peter Lynch Fair Value Range
Min: 1.53  Med: 1.71 Max: 1.88
Current: 2.42
1.53
1.88
Price/Graham Number 0.87
NRBAY's Price/Graham Number is ranked lower than
55% of the 1192 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.82 vs. NRBAY: 0.87 )
Ranked among companies with meaningful Price/Graham Number only.
NRBAY' s 10-Year Price/Graham Number Range
Min: 0.65  Med: 0.87 Max: 1.02
Current: 0.87
0.65
1.02
Earnings Yield (Greenblatt) (%) 11.64
NRBAY's Earnings Yield (Greenblatt) (%) is ranked higher than
79% of the 1422 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 6.80 vs. NRBAY: 11.64 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
NRBAY' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 4.4  Med: 11.40 Max: 17.2
Current: 11.64
4.4
17.2
Forward Rate of Return (Yacktman) (%) 22.26
NRBAY's Forward Rate of Return (Yacktman) (%) is ranked higher than
67% of the 785 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 14.29 vs. NRBAY: 22.26 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
NRBAY' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 53.4  Med: 165.10 Max: 370.6
Current: 22.26
53.4
370.6

Analyst Estimate

Dec15 Dec16 Dec17
Revenue(Mil) 11,792 10,845 11,262
EPS($) 0.96 0.92 0.96
EPS without NRI($) 0.96 0.92 0.96

Business Description

Industry: Banks » Banks - Regional - Europe
Compare: » details
Traded in other countries:0JNL.UK, NDA DKK.Denmark, NDA SEK.Sweden, NDA1V.Finland, NBZF.Germany, NDB.Germany, NDASEK.Switzerland, 0N31.UK,
Nordea Bank AB was founded in 1820. It operates as a banking company. The Company offers its services to both corporate and individual customers. Its business segments are 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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