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AL Sydbank ASFRA:TM2 +1.56%65 Intrinsic Value: Projected FCF is €119.68 as of Sep. 21, 2026. GuruFocus rates FRA:TM2 with a GF Score™ of 65/100 and a GF Value™ of €52.33 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,300 Banks companies, AL Sydbank AS ranks worse than 71.54% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-09-21), AL Sydbank AS's Intrinsic Value: Projected FCF is €119.68. The stock price of AL Sydbank AS is €94.30. Therefore, AL Sydbank AS's Price-to-Intrinsic-Value-Projected-FCF of today is 0.8.
The historical rank and industry rank for AL Sydbank AS's Intrinsic Value: Projected FCF or its related term are showing as below:
FRA:TM2'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.34 Med: 0.64 Max: 25.94
Current: 0.79
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of AL Sydbank AS was 25.94. The lowest was 0.34. And the median was 0.64.
FRA:TM2's Price-to-Projected-FCF is ranked worse than 71.54% of 1300
companies
in the Banks industry
Industry Median: 0.6
vs FRA:TM2: 0.79
AL Sydbank AS (FRA:TM2) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
AL Sydbank AS's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
94.30
/
99.130259884242
=
0.95
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
AL Sydbank AS Intrinsic Value: Projected FCF Related Terms
AL Sydbank AS Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for AL Sydbank AS's Intrinsic Value: Projected FCF can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
AL Sydbank AS Intrinsic Value: Projected FCF Chart
AL Sydbank AS Intrinsic Value: Projected FCF Competitor Comparison
For the Banks - Regional subindustry, AL Sydbank AS's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
AL Sydbank AS Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, AL Sydbank AS's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where AL Sydbank AS's Price-to-Projected-FCF falls into.
AL Sydbank AS Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
What does a Intrinsic Value: Projected FCF of €119.68 mean?
AL Sydbank AS (FRA:TM2) has a Intrinsic Value: Projected FCF of €119.68 as of Sep. 21, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on AL Sydbank AS and its competitors. According to the industry distribution chart, AL Sydbank AS ranks #930 out of 1300 companies in the Banks industry, placing it in the top 71.5%.
Is AL Sydbank AS's Intrinsic Value: Projected FCF too high?
AL Sydbank AS's current Intrinsic Value: Projected FCF is €119.68. Based on the distribution chart, AL Sydbank AS ranks #930 out of 1300 companies in the Banks industry, which is below the industry midpoint. Overall, AL Sydbank AS has a GF Score™ of 65/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does AL Sydbank AS's Intrinsic Value: Projected FCF compare to competitors?
According to the Banks industry distribution chart, AL Sydbank AS ranks #930 out of 1300 companies for Intrinsic Value: Projected FCF. This places AL Sydbank AS in the lower half of its industry. The industry median Intrinsic Value: Projected FCF is 0.60. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.60, based on 1,300 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on AL Sydbank AS and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AL Sydbank AS's current Intrinsic Value: Projected FCF is €119.68. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AL Sydbank AS stock overvalued right now?
Based on GuruFocus' analysis, AL Sydbank AS (FRA:TM2) is currently considered Significantly Overvalued. The stock's GF Value™ is €52.33, compared to a current price of €94.30 — trading 80.2% above its estimated fair value. The current Intrinsic Value: Projected FCF is €119.68. AL Sydbank AS's overall GF Score™ is 65/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For AL Sydbank AS (FRA:TM2), the current Intrinsic Value: Projected FCF is €119.68 as of Sep. 21, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is AL Sydbank AS (FRA:TM2) Overvalued in 2026?
Based on GuruFocus' analysis, AL Sydbank AS stock appears to be overvalued.
The current stock price of €94.30 is trading 80.2% above its estimated GF Value™ of €52.33.
GuruFocus considers AL Sydbank AS to be Significantly Overvalued.
Key valuation signals for FRA:TM2:
Intrinsic Value: Projected FCF: €119.68
GF Value™: €52.33 vs. price of €94.30 (80.2% above fair value)
No single metric tells the full story. See the FRA:TM2 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AL Sydbank A/S is a Danish bank operating in Denmark and with some exposure to Northern Germany. The bank operates through five business segments: Banking, Asset Management, Sydbank Markets, Treasury, and Others. The bank provides various banking and financial advisory services such as mortgage credit, retail banking, investment banking, corporate banking, international banking, and asset management. A vast majority of Sydbank's net revenue is derived from its banking segment, which includes net interest and fee income from retail and corporate clients. The company earns the majority of its revenue in Denmark.
65GF Score
Get the complete analysis for FRA:TM2
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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