ALM. Brand A/S
CSE:ALMB

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ALM. Brand A/S Logo
ALM. Brand A/S
CSE:ALMB
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Price: 13.54 DKK 0.74% Market Closed
Market Cap: 20.5B DKK
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Intrinsic Value

The intrinsic value of one ALMB stock under the Base Case scenario is 18.07 DKK. Compared to the current market price of 13.54 DKK, ALM. Brand A/S is Undervalued by 25%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

ALMB Intrinsic Value
18.07 DKK
Undervaluation 25%
Intrinsic Value
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ALM. Brand A/S

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

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Financials
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Balance Sheet Decomposition
ALM. Brand A/S

Cash & Short-Term Investments 416m
PP&E 780m
Long-Term Investments 23.5B
Other Assets 11.7B
Insurance Policy Liabilities 16B
Long Term Debt 1.7B
Other Liabilities 5.4B
Earnings Calls

In Q3 2024, Alm.Brand reported satisfactory results, with a 7.7% year-on-year growth in Personal Lines, primarily driven by banking partnerships. Although motor claims continued to rise, leading to increased expenses, the company is executing profitability initiatives, including a reduction of 110 positions. They upgraded their profit guidance for 2024, now projecting a profit before tax between DKK 1.58 billion and DKK 1.68 billion. Looking ahead, they anticipate a 3% indexation and potential 2% price hikes. However, growth in Q4 may be muted as they focus on maintaining lower costs and improving underlying loss ratios.

What is Earnings Call?

Wall St
Price Targets

ALMB Price Targets Summary
ALM. Brand A/S

Wall Street analysts forecast ALMB stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for ALMB is 16.68 DKK with a low forecast of 15.15 DKK and a high forecast of 18.11 DKK.

Lowest
Price Target
15.15 DKK
12% Upside
Average
Price Target
16.68 DKK
23% Upside
Highest
Price Target
18.11 DKK
34% Upside
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Dividends

Dividend Yield
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Dividend Per Share
N/A
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Growth 10Y
Dividend Safety Score
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Safe
0
25
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100
Shareholder Yield

Current shareholder yield for ALMB is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

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Buyback Yield
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Profile

ALM. Brand A/S Logo
ALM. Brand A/S

Country

Denmark

Industry

Insurance

Market Cap

20.5B DKK

Dividend Yield

4.06%

Description

Alm.Brand A/S is a financial services group, which engages in the provision of insurance. Brand A/S is a Denmark-based holding company engaged in the provision of insurance and financial services. The Company’s activities are divided into three business areas: non-life insurance, which offers a range of insurance products, which focus primarily on the personal, commercial and agricultural segment; banking, providing deposit and lending products, pensions and home finance, as well as investment consultancy; and life insurance and pension, which provides corporate pension plans, pension savings, as well as insurance cover, including death, disability and critical illness cover. The company operates a number of sales centers and branches across Denmark. Furthermore, the Company is a parent of Alm Brand Forsikring A/S, Alm Brand Praemieservice ApS, Alm Brand Bank A/S, Forsikringsselskabet Alm Brand Liv og Pension A/S, and Alm Brand Leasing A/S, among others.

Contact

Copenhagen
Midtermolen 7
www.almbrand.dk

IPO

1993-05-27

Employees

1 410

Officers

Group CEO, EVP of Staff Functions & Member of the Management Board
Mr. Rasmus Werner Nielsen
Deputy CEO & Member of Management Board
Ms. Anne Mette Toftegaard
Chief Financial Officer
Mr. Andreas Ruben Madsen
Chief Investment Officer
Mr. Thorsten Meyer Larsen
Head of Investor Relations
Mr. Mads Thinggaard C.F.A.
Director & Senior VP of Group Legal
Tue Klitgaard Christensen
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Chief Press & Communication Officer
Mr. Kristjan Jorgensen
Senior Vice President of Human Resources
Mr. Henrik Gundorph
Senior Vice President of Non-life Insurance - Commercial
Mr. Peter Flemmer
Senior Vice President of Non-life Insurance - Private
Ms. Pia Holm Steffensen
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See Also

Discover More
What is the Intrinsic Value of one ALMB stock?

The intrinsic value of one ALMB stock under the Base Case scenario is 18.07 DKK.

Is ALMB stock undervalued or overvalued?

Compared to the current market price of 13.54 DKK, ALM. Brand A/S is Undervalued by 25%.

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