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NDA1VNordea Bank Abp

📅 2026-04-03🇫🇮 OMXHfinancials
15.14 EUR
52-Week Range
9.66 €
17.11 €

AI Consensus

Model estimate
17.01 €
Incl. 30% analyst anchoring
Gap
+12.3%
Agreement
0.965/5 models
Dispersion
σ 0.02
Analyst consensus
17.03 €(9 analysts)
AI Summary
5 of 5 AI models are positive on NDA1V. Key driver: Efficiency gains are anticipated from the implementation of AI and planned jo... AI consensus estimate 17.01 12.3% above the current price. Model agreement is high (0.96). Analyst consensus: 17.03 (AI -0.1%).
gptclaudegeminideepseekgrokNDA1VNordea Bank…15.1spot17.0analysts14.915.516.116.717.317.9
Bear Case (min)
16.82 €
11.1%
Base Case (median)
17.01 €
+12.3%
Bull Case (max)
17.80 €
17.5%

Estimate History AI model estimates and spot price over time

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What Changed Today

Consensus Est.:17.01→17.01(+0.0%)
CAGR
-1.7pp(1 ↓)
stable×2no assumption changestable outlook
Model Breakdown
GEMINI
Est.
17.57
Gap
+16.0%
Conf
0.80
DCF 17.80 → Cal. 17.57
Key Drivers
  • Efficiency gains are anticipated from the implementation of AI and planned jo…
  • Potential strategic expansion through Danish pension deals could contribute t…
  • Diversified banking operations across the stable Nordic region provide a resi…
Top Risk
  • Execution risk associated with restructuring and AI integration could impact expected c…
  • A potential economic slowdown in the Nordic region could reduce loan demand, increase c…
  • Regulatory changes in the financial sector could impose new compliance costs and capita…
Delta
Adjusted revenue growth forecast downwards to reflect recent negative analyst estimates for near-term revenue, while …
CAGR
-1.7pp
assumptions adjustedrevenue growth revised
GROK
Est.
17.33
Gap
+14.4%
Conf
0.75
DCF 17.45 → Cal. 17.33
Key Drivers
  • Historical revenue CAGR of 6.6% moderated to 4.5% to account for near-term an…
  • Trailing ROE of 14.8% supports a target ROE of 14.5%, reflecting sustained pr…
  • Efficiency initiatives, including AI-driven job cuts (up to 1,500), expected …
Top Risk
  • Near-term revenue contraction risk as indicated by analyst 1Y estimate of -3.9%.
  • Restructuring costs ($219M) and planned job cuts may impact short-term operational stab…
  • Interest rate volatility in key markets could affect net interest margins, a core reven…
Delta
Assumptions remain consistent with yesterday's model run, as no significant new data or developments have emerged to …
No change
stable assumptionsno update
GPT
Est.
17.01
Gap
+12.3%
Conf
0.80
Key Drivers
  • Strong presence in Nordic markets
  • Potential for margin improvement through efficiency initiatives
  • Focus on digital banking solutions and AI integration
Top Risk
  • Economic downturn affecting lending and growth
  • Regulatory changes in financial services
  • Competition from fintech and non-traditional banks
Delta
Assumptions remain stable with no significant changes since yesterday.
No previous data
stableno changes
DEEPSEEK
Est.
16.93
Gap
+11.8%
Conf
0.65
DCF 16.89 → Cal. 16.93
Key Drivers
  • Historical revenue CAGR of 6.6% (2022-2025) provides a strong base, but near-…
  • Restructuring and AI-driven efficiency push (up to 1,500 job cuts) expected t…
  • Low beta (0.54) indicates lower systematic risk, partially offsetting typical…
Top Risk
  • Near-term revenue growth is negative per analyst consensus (-3.9%), posing a challenge …
  • Restructuring costs ($219M) will impact short-term profitability.
  • Net debt is substantial (€165B), reflecting banking business model and interest rate se…
Delta
Assumptions held stable; no new primary data from allowed sources to warrant a change.
No change
stable
CLAUDE
Est.
16.88
Gap
+11.5%
Conf
0.72
DCF 16.82 → Cal. 16.88
Key Drivers
  • Historical net revenue CAGR of ~6.6% (2022-2025) was driven by Nordic interes…
  • AI-driven efficiency programme targeting up to 1,500 job cuts and EUR ~200M r…
  • Trailing ROE of 14.8% is above Nordic peer average; sustainable ROE target of…
Top Risk
  • Nordic interest rate normalisation: ECB and Riksbank rate cuts could compress net inter…
  • Analyst 1-year revenue growth estimate of -3.9% signals near-term headwinds; if rate cu…
  • Restructuring execution risk: EUR ~200M charge and 1,500 job cuts may face delays or co…
Delta
All four core valuation assumptions are unchanged from yesterday's model; the underlying financial data, analyst cons…
No change
no assumption changestable outlookconfidence unchanged

Valuation Assumptions

CLAUDEDEEPSEEKGEMINIGPTGROK
Revenue CAGR 5Y2.0%2.0%1.8%
-1.7pp
5.0%4.5%
ROE Target14.5%14.0%14.8%14.1%14.5%
WACC10.5%11.5%10.0%11.0%10.5%
Terminal Growth2.0%2.0%2.0%2.0%2.0%

Fundamentals

EBIT Margin–%
EBITDA Margin–%
ROE14.8%
Net Debt / EBITDA–x
P/E Trailing10.7x
EV / EBITDA–x
P/B1.6x
Analyst Range– – –

Recent News

Assessing Nordea Bank Abp (HLSE:NDA FI) Valuation After Mixed Short And Long Term Share Returns2026-04-01
Nordea Weighs Danish Pension Deals As Board Refresh Shifts Risk Focus2026-03-28
Nordea flags up to 1,500 job cuts as AI drives efficiency push2026-03-17
Nordea to Book $219 Million Restructuring Costs, Plans Job Cuts2026-03-17
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