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Nordea Bank Abp NRDBY

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Price alert · NRDBY

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18.62 USD +0.52 (+2.87%)

Nov 9, 2026, 11:30 AM EST

18.62 Day range 18.75
16.35 52-week range 21.39
YTD
-1.64%
1 year
+10.37%

Financial health

Altman Z-Score

0.23 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

B-2 / 5 overall

  • DCF 3
  • Return on Equity 4
  • Return on Assets 2
  • Debt / Equity 1
  • P/E 2
  • P/B 2

Valuation

P/E 11.6×
FY 2016: 11.3×FY 2017: 13.5×FY 2018: 9.6×FY 2019: 19.6×FY 2020: 11.7×FY 2021: 11.1×FY 2022: 10.7×FY 2023: 8.2×FY 2024: 7.3×FY 2025: 11.6×
FY 2016 5y median 10.7× FY 2025
P/S 2.6×
FY 2016: 3.3×FY 2017: 3.3×FY 2018: 2.6×FY 2019: 2.5×FY 2020: 2.7×FY 2021: 4.1×FY 2022: 3.0×FY 2023: 1.7×FY 2024: 1.4×FY 2025: 2.6×
FY 2016 5y median 2.6× FY 2025
P/B 1.7×
FY 2016: 1.3×FY 2017: 1.2×FY 2018: 0.9×FY 2019: 0.9×FY 2020: 0.8×FY 2021: 1.3×FY 2022: 1.2×FY 2023: 1.3×FY 2024: 1.1×FY 2025: 1.7×
FY 2016 5y median 1.3× FY 2025
P/FCF -14.7×
FY 2016: 17.0×FY 2017: 3.6×FY 2018: 14.8×FY 2019: -9.9×FY 2020: -14.6×FY 2021: 2.5×FY 2022: 1.8×FY 2023: -5.8×FY 2024: 96.0×FY 2025: -14.7×
FY 2016 5y median 1.8× FY 2025
EV/EBITDA 31.1×
FY 2016: 39.7×FY 2017: 40.5×FY 2018: 39.6×FY 2019: 67.7×FY 2020: 48.4×FY 2021: 32.2×FY 2022: 31.0×FY 2023: 25.7×FY 2024: 0.0×FY 2025: 31.1×
FY 2016 5y median 31.0× FY 2025
EV/Sales 9.9×
FY 2016: 15.0×FY 2017: 14.0×FY 2018: 14.8×FY 2019: 15.6×FY 2020: 16.9×FY 2021: 17.1×FY 2022: 12.9×FY 2023: 7.4×FY 2024: 7.2×FY 2025: 9.9×
FY 2016 5y median 9.9× FY 2025
FCF Yield -6.8%
FY 2016: 5.9%FY 2017: 28.1%FY 2018: 6.7%FY 2019: -10.1%FY 2020: -6.8%FY 2021: 40.4%FY 2022: 56.5%FY 2023: -17.3%FY 2024: 1.0%FY 2025: -6.8%
FY 2016 5y median 1.0% FY 2025

Profitability

Gross Margin 53.8%
FY 2016: 76.5%FY 2017: 76.4%FY 2018: 75.8%FY 2019: 73.0%FY 2020: 84.3%FY 2021: 92.7%FY 2022: 75.4%FY 2023: 48.9%FY 2024: 47.2%FY 2025: 53.8%
FY 2016 5y median 53.8% FY 2025
Operating Margin 28.9%
FY 2016: 36.1%FY 2017: 32.4%FY 2018: 34.6%FY 2019: 18.3%FY 2020: 29.4%FY 2021: 47.4%FY 2022: 37.1%FY 2023: 26.4%FY 2024: 26.4%FY 2025: 28.9%
FY 2016 5y median 28.9% FY 2025
Net Margin 22.2%
FY 2016: 29.4%FY 2017: 24.6%FY 2018: 27.0%FY 2019: 13.4%FY 2020: 22.5%FY 2021: 36.8%FY 2022: 28.0%FY 2023: 20.5%FY 2024: 19.8%FY 2025: 22.2%
FY 2016 5y median 22.2% FY 2025
ROE 14.9%
FY 2016: 11.6%FY 2017: 9.1%FY 2018: 9.4%FY 2019: 4.9%FY 2020: 6.7%FY 2021: 11.4%FY 2022: 11.6%FY 2023: 15.8%FY 2024: 15.6%FY 2025: 14.9%
FY 2016 5y median 14.9% FY 2025
ROIC 1.3%
FY 2016: 0.9%FY 2017: 0.8%FY 2018: 0.9%FY 2019: 0.5%FY 2020: 0.6%FY 2021: 1.1%FY 2022: 1.0%FY 2023: 1.4%FY 2024: 1.4%FY 2025: 1.3%
FY 2016 5y median 1.3% FY 2025
ROA 0.7%
FY 2016: 0.6%FY 2017: 0.5%FY 2018: 0.6%FY 2019: 0.3%FY 2020: 0.4%FY 2021: 0.7%FY 2022: 0.6%FY 2023: 0.8%FY 2024: 0.8%FY 2025: 0.7%
FY 2016 5y median 0.7% FY 2025

Growth (YoY)

Revenue -14.6%
FY 2016: -3.7%FY 2017: -3.8%FY 2018: -7.5%FY 2019: 1.3%FY 2020: -12.9%FY 2021: 3.4%FY 2022: 23.2%FY 2023: 87.2%FY 2024: 6.4%FY 2025: -14.6%
FY 2016 FY 2025
Operating Income -6.4%
FY 2016: -1.7%FY 2017: -13.6%FY 2018: -1.1%FY 2019: -46.5%FY 2020: 40.2%FY 2021: 66.6%FY 2022: -3.5%FY 2023: 33.1%FY 2024: 6.5%FY 2025: -6.4%
FY 2016 FY 2025
EPS (diluted) -3.5%
FY 2016: 2.2%FY 2017: -19.4%FY 2018: 1.3%FY 2019: -51.3%FY 2020: 51.4%FY 2021: 71.4%FY 2022: -2.1%FY 2023: 45.7%FY 2024: 5.1%FY 2025: -3.5%
FY 2016 FY 2025
Free Cash Flow -1090.3%
FY 2016: 676.9%FY 2017: 358.8%FY 2018: -82.6%FY 2019: -249.6%FY 2020: 38.6%FY 2021: 1038.5%FY 2022: 25.6%FY 2023: -132.3%FY 2024: 105.5%FY 2025: -1090.3%
FY 2016 FY 2025

Financial Health

Current Ratio 0.2×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.2×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 6.3×
FY 2016: 6.2×FY 2017: 5.7×FY 2018: 6.1×FY 2019: 6.5×FY 2020: 5.4×FY 2021: 5.5×FY 2022: 6.2×FY 2023: 6.1×FY 2024: 6.1×FY 2025: 6.3×
FY 2016 5y median 6.1× FY 2025
Net Debt / EBITDA 23.1×
FY 2016: 30.9×FY 2017: 30.9×FY 2018: 32.6×FY 2019: 56.7×FY 2020: 40.8×FY 2021: 24.5×FY 2022: 23.9×FY 2023: 19.9×FY 2024: 0.0×FY 2025: 23.1×
FY 2016 5y median 23.1× FY 2025
Interest Coverage 0.6×
FY 2016: 1.5×FY 2017: 1.4×FY 2018: 1.4×FY 2019: 0.7×FY 2020: 1.9×FY 2021: 6.5×FY 2022: 1.5×FY 2023: 0.5×FY 2024: 0.5×FY 2025: 0.6×
FY 2016 5y median 0.6× FY 2025

Dividends

Dividend Yield 5.6%
FY 2016: 6.1%FY 2017: 6.4%FY 2018: 9.3%FY 2019: 9.5%FY 2020: 5.5%FY 2021: 7.5%FY 2022: 7.0%FY 2023: 7.2%FY 2024: 8.8%FY 2025: 5.6%
FY 2016 5y median 7.2% FY 2025
Payout Ratio 64.9%
FY 2016: 68.6%FY 2017: 86.6%FY 2018: 89.3%FY 2019: 180.5%FY 2020: 64.6%FY 2021: 83.3%FY 2022: 74.0%FY 2023: 58.8%FY 2024: 63.6%FY 2025: 64.9%
FY 2016 5y median 64.9% FY 2025

Annual · latest fiscal year ends 2025-12-31