DNB Bank ASA
DNB Bank ASA Fundamental Analysis
DNB Bank ASA (DNBBY) shows strong financial fundamentals with a PE ratio of 10.32, profit margin of 21.33%, and ROE of 15.30%. The company generates $203.5B in annual revenue with moderate year-over-year growth of 7.93%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 53.7/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze DNBBY's fundamental strength across five key dimensions:
Efficiency Score
WeakDNBBY struggles to generate sufficient returns from assets.
Valuation Score
ExcellentDNBBY trades at attractive valuation levels.
Growth Score
ExcellentDNBBY delivers strong and consistent growth momentum.
Financial Health Score
WeakDNBBY carries high financial risk with limited liquidity.
Profitability Score
ExcellentDNBBY achieves industry-leading margins.
Key Financial Metrics
Is DNBBY Expensive or Cheap?
P/E Ratio
DNBBY trades at 10.32 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, DNBBY's PEG of -0.64 indicates potential undervaluation.
Price to Book
The market values DNB Bank ASA at 1.50 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -5.83 times EBITDA. This is generally considered low.
How Well Does DNBBY Make Money?
Net Profit Margin
For every $100 in sales, DNB Bank ASA keeps $21.33 as profit after all expenses.
Operating Margin
Core operations generate 26.24 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $15.30 in profit for every $100 of shareholder equity.
ROA
DNB Bank ASA generates $1.16 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
DNB Bank ASA generates strong operating cash flow of $267.64B, reflecting robust business health.
Free Cash Flow
DNB Bank ASA generates strong free cash flow of $264.94B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $179.30 in free cash annually.
FCF Yield
DNBBY converts 58.55% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
10.32
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-0.64
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.50
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.22
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
3.17
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.09
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.15
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.03
vs 25 benchmark
How DNBBY Stacks Against Its Sector Peers
| Metric | DNBBY Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 10.32 | 18.73 | Better (Cheaper) |
| ROE | 15.30% | 847.00% | Weak |
| Net Margin | 21.33% | 2562.00% | Weak |
| Debt/Equity | 3.17 | 0.93 | Weak (High Leverage) |
| Current Ratio | 0.09 | 674.76 | Weak Liquidity |
| ROA | 1.16% | -21692.00% (disorted) | Weak |
DNBBY outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews DNB Bank ASA's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
65.91%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
88.35%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-652.55%
Industry Style: Value, Dividend, Cyclical
Declining