Lån & Spar Bank Ratios and Metrics

Market cap in millions DKK. Fiscal year is January - December.

Millions DKK. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 17, 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
Market Cap	4,615	4,633	2,391	2,296	2,228	2,162
Market Cap Growth	61.46%	93.77%	4.15%	3.01%	3.06%	27.73%
Last Close Price	1335.00	1340.00	690.00	665.00	645.00	625.00
PE Ratio	11.34	11.28	5.16	4.85	10.99	10.67
PS Ratio	2.91	2.92	1.53	1.55	2.18	2.18
PB Ratio	1.27	1.28	0.74	0.80	0.92	0.96
P/TBV Ratio	1.31	1.32	0.76	0.84	0.97	1.02
P/FCF Ratio	-	-	0.96	-	0.90	0.69
P/OCF Ratio	-	-	0.96	-	0.90	0.69
Debt / Equity Ratio	0.34	0.35	0.35	0.31	0.27	0.18
Debt / FCF Ratio	-	-	0.46	-	0.26	0.13
Net Debt / Equity Ratio	0.35	0.35	0.35	0.32	0.27	0.18
Net Debt / FCF Ratio	-1.00	-2.19	0.46	-1.77	0.26	0.13
Asset Turnover	0.04	0.04	0.05	0.05	0.04	0.04
Return on Equity (ROE)	11.26%	11.99%	15.15%	17.92%	8.71%	9.40%
Earnings Yield	8.82%	8.87%	19.39%	20.60%	9.10%	9.38%
FCF Yield	-	-	103.92%	-	111.04%	144.48%
Dividend Yield	1.50%	1.49%	2.89%	1.50%	1.55%	1.28%
Payout Ratio	16.98%	16.85%	14.92%	7.30%	17.04%	13.66%
Buyback Yield / Dilution	0.06%	-0.09%	-0.14%	0.12%	0.00%	-0.14%
Total Shareholder Return	1.56%	1.41%	2.75%	1.62%	1.55%	1.13%