profit from every DKK 100 of sales.
DKK 0DKK 100
AL Sydbank
DKK 755.50+3.78% today
+35.6% in 1 year
1-year low DKK 492.601-year high DKK 755.50
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay DKK 33.87 for every DKK 1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What AL Sydbank sold, what it kept, and what it did with the cash.
Sales went from DKK 5.39 billion in 2022 to DKK 7.51 billion in 2025, with DKK 1.89 billion of profit last year.
SalesProfit
AL Sydbank handed back 22% of the cash it generated last year.
DKK 1.4B
Free cash flow 2025DKK 6.4B
Bought back its own shares–
Paid as dividendsDKK 1.4B
Cash vs. debtDKK 30.6B vs. DKK 24.9B
AL Sydbank vs. similar companies
AL Sydbank grows in the middle of these 5 and is the most expensive for its profits.
| Company | Profit from DKK 100 of sales | Sales growth a year | Price per DKK 1 of profit |
|---|---|---|---|
| AL Sydbank | 33.9× · Expensive | ||
 China Merchants Bank | 7.8× · Cheap | ||
 DBS Group Holdings | 18.1× · Fair price | ||
 UniCredit | 11.6× · Cheap | ||
 HDFC Bank | 18.5× · Fair price |
AI analysis
An AI analyst reads AL Sydbank's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of DKK | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 5,391 | 7,433 | 7,548 | 7,511 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 1,901 | 3,342 | 2,762 | 1,893 | |
| 32.20 | 58.80 | 50.90 | 34.80 | |
| – | – | – | – | |
| – | – | – | – | |
| 35.3% | 45.0% | 36.6% | 25.2% |
Balance sheet
| In millions of DKK | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 179,318 | 185,101 | 193,669 | 341,950 |
| Cash | 26,844 | 20,575 | 14,139 | 30,560 |
| Total debt | 14,357 | 12,279 | 13,317 | 24,939 |
| Total liabilities | 165,337 | 169,353 | 177,885 | 304,303 |
| 13,942 | 15,709 | 15,742 | 37,604 | |
| 58 | 55 | 53 | 52 | |
| – | – | – | – | |
| 13.6% | 21.3% | 17.5% | 5.0% |
Cash flow
| In millions of DKK | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 4,372 | 1,870 | -910 | 6,516 | |
| 72 | 92 | 94 | 84 | |
| 4,300 | 1,778 | -1,004 | 6,432 | |
| Dividends paid | 711 | 959 | 1,680 | 1,390 |
| – | – | – | – | |
| – | – | – | – |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 33.9×
- –
- 12.92
- 1.2×
- 8.5×
- 3.0%
- 2.2%
Profitability
- 25.2%
- –
- –
- –
- –
Growth
- +11.7%
- +2.6%
- –
- −3.1%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 15%of 866
Top 37%of 862
Top 25%of 921
2.2%of the share price, paid each year
On $1,000 invested$22a year at today's yield, before tax
–per share
Raised–not every year
How safe it looks
73.4% of its profit
Room to growStretchedMore than it earns: 21.6%
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
Not enough data
Questions about AL Sydbank
Is AL Sydbank a good stock to buy?
A strong, very profitable business, but the price is high. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the AL Sydbank AI analysis
What does AL Sydbank do?
AL Sydbank A/S, together with its subsidiaries, provides various banking products and services to retail clients, corporates, and associations in Denmark and internationally. The company operates through Banking, Asset Management, AL Sydbank Markets, Treasury, and Other segments. It is in Banks - Regional, based in Aabenraa, Denmark, with 4,109 employees.
Does AL Sydbank pay a dividend?
Yes. At today's price the dividend is 2.2% a year, about 73% of its yearly profit. In 2025 it paid out DKK 1.39 billion in dividends.
Is AL Sydbank stock halal?
No. AL Sydbank does not pass our halal screen: its main business, banking, is not permitted. How we check
How has AL Sydbank stock done over the past year?
Up 35.6% over the past twelve months, to DKK 755.50. It traded between DKK 492.60 and DKK 755.50, close to its high.
Who are AL Sydbank's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with AL Sydbank's.
Prices: daily closes to Nov 9, 2026. Fundamentals: company reports via invest-like data.