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Alm. Brand

CPH:ALMB · DK0015250344
InsuranceSmall

360

26
EV / EBIT23
Price / Owner Earnings19
Owner Earnings Yield46
Dividend Yield44
Price/Sales22
EV / Gross Profit63
Price/Book31
Returns on capital46
Profit margins59
Cash Conversion51
Accruals81
Owner Earnings Margin67
Sales growth32
Profit Growth18
Long-Term EPS Growth84
Owner Earnings Growth40
Reinvestment19
Price momentum18
Debt load95
Debt serviceability30
Liquidity59
Analyst ratings87
Opinion Changes50
Price Target Upside81
Market mood46
Value Creation16/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Alm. Brand generates returns well above its cost of capital, the foundation of durable shareholder value.

Profile

CountryDenmark
IndustryInsurance
SizeSmall
TypePublic Company
ExchangeCPSE
Employees839
Websiteinvestorrelations.almbrand.dk/Danish/home/default.aspx
ISINDK0015250344
Last UpdateApr 2, 2026
Indices
Sound Pay Practices (Europe)
Themes
BankingInsurance

Description

Alm. Brand A/S is specializing in insurance and banking solutions. Business Segments The company operates through insurance, banking, and investments segments. Insurance The insurance segment is providing a wide array of products designed to prot…

Analysis

Middle-of-the-road

Alm. Brand A/S is a middle-of-the-road business: neither the economics nor the price stand out from the peer group.

The price is attractive. You pay 12.6× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone. At today's price, the market is assuming roughly 0% yearly growth; analysts expect 9%. The price, in other words, assumes less than the experts do.

The trajectory is tepid and the balance sheet is stretched. The company scores 16/20 on our value-creation score: strong value creator. Analysts lean positive.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
21
2023202420252026

All-time high

49

Nov 2025

All-time low

17

Mar 2026

Average rank

39

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
22
11
16
16
Price/Earnings
7
7
9
1
Price/Book
31
29
28
25
Dividend Yield
44
28
54
51
Value (overall)
10
7
17
19

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →