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AL Sydbank ASOCSE:ALSYDB +0.73%66 ROE % is 8.69% as of Mar. 2026, which is 27% below its 10-year median of 11.86. GuruFocus rates OCSE:ALSYDB with a GF Score™ of 66/100 and a GF Value™ of kr413.15 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,524 Banks companies, AL Sydbank AS ranks worse than 63.06% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. AL Sydbank AS's annualized net income for the quarter that ended in Mar. 2026 was kr3,192 Mil. AL Sydbank AS's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was kr36,744 Mil. Therefore, AL Sydbank AS's annualized ROE % for the quarter that ended in Mar. 2026 was 8.69%.
The historical rank and industry rank for AL Sydbank AS's ROE % or its related term are showing as below:
OCSE:ALSYDB'
s ROE % Range Over the Past 10 Years
Min: 6.6 Med: 11.86 Max: 22.54
Current: 8.56
During the past 13 years, AL Sydbank AS's highest ROE % was 22.54%. The lowest was 6.60%. And the median was 11.86%.
OCSE:ALSYDB's ROE % is ranked worse than 63.06% of 1524
companies
in the Banks industry
Industry Median: 10.34
vs OCSE:ALSYDB: 8.56
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
AL Sydbank AS ROE % Related Terms
AL Sydbank AS ROE % Historical Data
* Premium members only.
The historical data trend for AL Sydbank AS's ROE % 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.
For the Banks - Regional subindustry, AL Sydbank AS's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, AL Sydbank AS's ROE % distribution charts can be found below:
* The bar in red indicates where AL Sydbank AS's ROE % falls into.
* 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
AL Sydbank AS (OCSE:ALSYDB) has a ROE % of 8.69% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on AL Sydbank AS and its competitors. This is 27% below median its historical median of 11.86. Over the past decade, AL Sydbank AS's ROE % has ranged from 6.60 to 22.54. According to the industry distribution chart, AL Sydbank AS ranks #961 out of 1524 companies in the Banks industry, placing it in the top 63.1%.
Is AL Sydbank AS's ROE % too high?
AL Sydbank AS's current ROE % of 8.69% is 27% below median its 10-year median of 11.86. Over the past 10 years, this metric has ranged from a low of 6.60 to a high of 22.54. The Banks industry median ROE % is 10.34. AL Sydbank AS's value of 8.69% is 16% below this industry median. Based on the distribution chart, AL Sydbank AS ranks #961 out of 1524 companies in the Banks industry, which is below the industry midpoint. Overall, AL Sydbank AS has a GF Score™ of 66/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does AL Sydbank AS's ROE % compare to competitors?
According to the Banks industry distribution chart, AL Sydbank AS ranks #961 out of 1524 companies for ROE %. This places AL Sydbank AS in the lower half of its industry. The industry median ROE % is 10.34. AL Sydbank AS's value of 8.69% is 16% below this benchmark. Historically, AL Sydbank AS's own ROE % has ranged from 6.60 to 22.54 over the past decade. While the company's 10-year median is 11.86 vs. the industry median of 10.34, AL Sydbank AS has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % for a Banks company?
The median ROE % among Banks companies is 10.34, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AL Sydbank AS's current ROE % of 8.69% is 16% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on AL Sydbank AS and its competitors. For the Banks industry, the median ROE % is 10.34 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AL Sydbank AS's current ROE % is 8.69%, which is 27% below median its own 10-year median of 11.86. 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 (OCSE:ALSYDB) is currently considered Significantly Overvalued. The stock's GF Value™ is kr413.15, compared to a current price of kr624.00 — trading 51% above its estimated fair value. The current ROE % is 8.69%, which is 27% below median its 10-year median of 11.86 and 16% below the Banks industry median of 10.34. AL Sydbank AS's overall GF Score™ is 66/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For AL Sydbank AS (OCSE:ALSYDB), the current ROE % is 8.69% as of Mar. 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 (OCSE:ALSYDB) Overvalued in 2026?
Based on GuruFocus' analysis, AL Sydbank AS stock appears to be overvalued.
The current stock price of kr624.00 is trading 51% above its estimated GF Value™ of kr413.15.
GuruFocus considers AL Sydbank AS to be Significantly Overvalued.
Key valuation signals for OCSE:ALSYDB:
ROE %: 8.69% (27% below median its 10-year median of 11.86)
GF Value™: kr413.15 vs. price of kr624.00 (51% above fair value)
Industry Position: 16% below the Banks median (#961 of 1524)
No single metric tells the full story. See the OCSE:ALSYDB 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.
66GF Score
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