Nordea is a universal Nordic bank which generates most of its income through vanilla lending products such as mortgages, household loans and corporate loans. The bank is also a leading equity and debt underwriter and issuer specialized in the Nordics, generating roughly one tenth of the group's income. Nordea also offers life and pension, savings and asset management, as well as private banking services to high-net-worth individuals. It operates primarily in Sweden, Denmark, Finland, and Norway.

Financial Strength

Name	Current	Vs Industry	Vs History
Cash-To-Debt	0.23
Equity-to-Asset	0.05
Debt-to-Equity	6.78
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	7/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.15	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

8/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	19.7
	3-Year EPS without NRI Growth Rate	38.2
	3-Year FCF Growth Rate	-68.1
	3-Year Book Growth Rate	5.3
	Future 3-5Y EPS without NRI Growth Rate	10.15
	Future 3-5Y Total Revenue Growth Rate	2.12

Momentum Rank

10/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	55.53
	9-Day RSI	54.85
	14-Day RSI	52.85
	6-1 Month Momentum %	3.51
	12-1 Month Momentum %	-0.35

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	8.38
	Dividend Payout Ratio	0.64
	Forward Dividend Yield %	8.38
	5-Year Yield-on-Cost %	8.38
	3-Year Average Share Buyback Ratio	4.5
	Shareholder Yield %	-15.79

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	43.29
	FCF Margin %	-137.32
	ROE %	17.52
	ROA %	0.86
	Years of Profitability over Past 10-Year	10

GF Value Rank

7/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	7.71
	Forward PE Ratio	9.51
	PE Ratio without NRI	7.71
	Shiller PE Ratio	12.86
	PEG Ratio	2.08
	PS Ratio	3.33
	PB Ratio	1.37
	Price-to-Tangible-Book	1.57
	EV-to-Forward-EBIT	33.41
	EV-to-Revenue	15.62
	EV-to-Forward-Revenue	20.89
	EV-to-FCF	-11.66
	Price-to-Projected-FCF	0.65
	Price-to-DCF (Earnings Based)	0.56
	Price-to-Median-PS-Value	0.82
	Price-to-Graham-Number	0.73
	FCF Yield %	-41.17
	Forward Rate of Return (Yacktman) %	10.31

GF Value: kr100.54

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