Lån & Spar Bank A/S (CPH:LASP)

Denmark · Delayed Price · Currency is DKK

1,360.00

-5.00 (-0.37%)

Sep 4, 2026, 4:14 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	Jun '26 Jun 30, 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	1,605	1,575	1,560	1,475	1,017	981.9
Revenue Growth	2.10%	0.99%	5.74%	44.98%	3.62%	14.56%
Net Income	418.28	411.33	462.57	473.02	203.03	202.48
Earnings Per Share	120.95	118.85	133.77	136.99	58.73	58.57
EPS Growth	-4.22%	-11.15%	-2.35%	133.25%	0.27%	32.00%

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	Jun '26 Jun 30, 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 & Investments	17,345	5,843	1,712	2,389	1,954	2,607
Total Debt	1,453	1,391	1,244	1,128	806.15	449.9
Net Cash (Debt)	15,892	4,452	468.48	1,261	1,148	2,157
Net Cash Growth	-	850.36%	-62.85%	9.80%	-46.75%	-82.35%
Net Cash Per Share	4595.00	1286.38	135.48	365.16	332.17	623.85

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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	-5,240	-4,654	148.8	-2,890	633.97	3,112
Capital Expenditures	-5.27	-8.83	-16.87	-9.68	-13.21	-8.11
Free Cash Flow	-5,246	-4,663	131.94	-2,900	620.76	3,104
Free Cash Flow Growth	-	-	-	-	-80.00%	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Profit Margin	26.06%	26.11%	29.65%	32.06%	19.95%	20.62%
FCF Margin	-326.80%	-295.98%	8.46%	-196.56%	61.01%	316.11%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 5, 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	1.47%	1.52%	3.02%	3.23%	1.69%	1.77%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 5, 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	11.24	11.29	5.15	4.86	10.99	10.67
P/FCF Ratio	-	-	18.05	-	3.60	0.70
PS Ratio	2.93	2.95	1.53	1.56	2.19	2.20