profit from every DKK 100 of sales.
DKK 0DKK 100
Lån & Spar Bank
DKK 1,445.00-0.69% today
+31.4% in 1 year
1-year low DKK 1,100.001-year high DKK 1,740.00
Trading in the middle of its range for 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 12.15 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 Lån & Spar Bank sold, what it kept, and what it did with the cash.
Sales went from DKK 1.08 billion in 2022 to DKK 1.61 billion in 2025, with DKK 411 million of profit last year.
SalesProfit
Lån & Spar Bank vs. similar companies
Lån & Spar Bank grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from DKK 100 of sales | Sales growth a year | Price per DKK 1 of profit |
|---|---|---|---|
| Lån & Spar Bank | 12.1× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.5× · Fair price | ||
 UniCredit | 11.6× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Lån & Spar Bank'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 |
|---|---|---|---|---|
| 1,084 | 1,544 | 1,634 | 1,611 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 203 | 473 | 463 | 411 | |
| 58.70 | 137.00 | 133.80 | 118.80 | |
| – | – | – | – | |
| – | – | – | – | |
| 18.7% | 30.6% | 28.3% | 25.5% |
Balance sheet
| In millions of DKK | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 30,022 | 33,244 | 36,384 | 40,977 |
| Cash | 13,303 | 12,721 | 15,512 | 14,774 |
| Total debt | 650 | 900 | 1,149 | 1,249 |
| Total liabilities | 27,601 | 30,386 | 33,133 | 37,367 |
| 2,422 | 2,857 | 3,251 | 3,610 | |
| 3 | 3 | 3 | 3 | |
| – | – | – | – | |
| 8.4% | 16.6% | 14.2% | 11.4% |
Cash flow
| In millions of DKK | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 2,488 | -499 | 2,501 | -561 | |
| 55 | 55 | 64 | 52 | |
| 2,433 | -554 | 2,438 | -613 | |
| Dividends paid | 35 | 35 | 69 | 69 |
| 33 | 123 | 33 | 49 | |
| – | – | – | – |
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
- 12.1×
- –
- 0.46
- 1.2×
- 3.1×
- 8.2%
- 1.4%
Profitability
- 25.5%
- –
- –
- –
- –
Growth
- +14.1%
- +26.5%
- –
- +0.0%
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.
Top 40%of 861
Top 32%of 860
Bottom 7%of 919
1.4%of the share price, paid each year
On $1,000 invested$14a year at today's yield, before tax
–per share
Raised–not every year
How safe it looks
16.9% of its profit
Room to growStretchedMore than it earnsNews
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 Lån & Spar Bank
Is Lån & Spar Bank a good stock to buy?
A strong, very profitable business, and the price looks low. 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 Lån & Spar Bank AI analysis
What does Lån & Spar Bank do?
Lån & Spar Bank A/S provides various banking products and services in Denmark. It is in Banks - Regional, based in Copenhagen, Denmark, with 630 employees.
Does Lån & Spar Bank pay a dividend?
Yes. At today's price the dividend is 1.4% a year, about 17% of its yearly profit. In 2025 it paid out DKK 69.3 million in dividends.
Is Lån & Spar Bank stock halal?
No. Lån & Spar Bank does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Lån & Spar Bank stock done over the past year?
Up 31.4% over the past twelve months, to DKK 1,445.00. It traded between DKK 1,100.00 and DKK 1,740.00 and is 17.0% below its high.
Who are Lån & Spar Bank'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 Lån & Spar Bank's.
Prices: daily closes to Nov 11, 2026. Fundamentals: company reports via invest-like data.