Lån & Spar Bank A/S (CPH:LASP)

Denmark · Delayed Price · Currency is DKK

1,375.00

+5.00 (0.36%)

Jul 24, 2026, 4:35 PM CET

Lån & Spar Bank Financials Overview

Financials in millions DKK. Fiscal year is January - December.

Millions DKK. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	1,583	1,586	1,568	1,482	1,024	990.19
Revenue Growth	2.60%	1.14%	5.80%	44.73%	3.39%	14.64%
Net Income	407.27	411.33	462.57	473.02	203.03	202.48
Earnings Per Share	117.67	118.80	133.80	137.00	58.70	58.60
EPS Growth	-7.00%	-11.21%	-2.34%	133.39%	0.17%	31.98%

Revenue by Geography

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Denmark	1,398	1,417	1,369	986.55	878.62
Sweden	200.41	207.2	163.74	88.11	88.78
Total	1,599	1,625	1,533	1,075	967.4

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	15,309	14,774	15,512	12,721	13,204	10,568
Total Debt	1,249	1,249	1,149	899.51	650	400
Net Cash (Debt)	-1,249	-1,249	-1,149	-899.51	-650	-400
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-360.89	-360.87	-332.28	-260.50	-188.02	-115.71

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	-1,237	-561.27	2,501	-498.75	2,488	3,132
Capital Expenditures	-7.16	-8.83	-16.87	-9.68	-13.21	-8.11
Free Cash Flow	-1,244	-570.1	2,485	-508.43	2,475	3,124
Free Cash Flow Growth	-	-	-	-	-20.79%	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Pretax Margin	33.31%	33.88%	39.50%	42.38%	24.66%	25.79%
Profit Margin	25.72%	25.94%	29.51%	31.92%	19.83%	20.45%
FCF Margin	-78.56%	-35.95%	158.49%	-34.31%	241.71%	315.52%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 26, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	20.000	20.000	20.000	20.000	10.000	10.000
Dividend Per Share Growth	0%	0%	0%	100.00%	0%	25.00%
Dividend Yield	1.45%	1.49%	2.89%	1.50%	1.55%	1.28%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 26, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	11.68	11.28	5.16	4.85	10.99	10.67
P/FCF Ratio	-	-	0.96	-	0.90	0.69
PS Ratio	2.99	2.92	1.53	1.55	2.18	2.18