16.84 EUR
previous close — not live
52-Week Range
11.96 €
17.19 €
As of 2026-07-10, 5 AI models estimate NDA1V median target 16.62 € (-1.3% vs spot 16.84 €, model agreement 0.96). Analyst consensus 17.38 € (9 analysts). Experimental comparison — not investment advice.
AI Consensus
Model estimate
16.62 €
Incl. 30% analyst anchoring
Gap
-1.3%
Agreement
0.965/5 models
Raw 0.94
Dispersion
σ 1.5%
Analyst consensus
17.38 €(9 analysts)
AI Summary
4 of 5 AI models are negative on NDA1V. Key concern: Adverse changes in interest rates impacting net interest income AI consensus estimate 16.62 1.3% below the current price. Model agreement is high (0.96). Analyst consensus: 17.38 (AI -4.4%).Bear Case (min)
15.78 €
-6.3%
Base Case (median)
16.62 €
-1.3%
Bull Case (max)
16.83 €
-0.1%
Bear/Bull: pure model range · Base incl. 30% analyst anchoring
Estimate History AI model estimates and spot price over time
What Changed Today
Consensus Est.:16.50→16.62(+0.8%)
CAGR-1.0pp(1 ↓)
ROE+2.0pp(1 ↑)
engine error×2stable assumptionsnii compression ongoing
What Changed (7 days)
Between 2026-07-03 and 2026-07-10, the 5-model AI consensus estimate for NDA1V moved from 16.50 € to 16.62 € (+0.8%); median WACC 11.0% → 11.5% (+0.50 pp); median terminal growth 2.0% → 2.0% (+0.00 pp); model dispersion σ 0.0% → 1.5%. Experimental model estimates — not investment advice.
| Metric | 7d ago (2026-07-03) | Now (2026-07-10) | Change |
|---|---|---|---|
| AI consensus estimate | 16.50 € | 16.62 € | +0.8% |
| Median WACC | 11.00% | 11.50% | +0.50 pp |
| Median terminal growth | 2.00% | 2.00% | +0.00 pp |
| Median revenue CAGR (5y) | 3.5% | 4.0% | +0.50 pp |
| Median EBIT margin target | 40.0% | 40.0% | +0.00 pp |
| Model dispersion σ | 0.0% | 1.5% | +1.46 pp |
Model Breakdown
DCF 16.83 → Cal. 16.99
Key Drivers
- Historical revenue CAGR 6.6% (2022-2025)
- Trailing ROE 14.5% from net income 4.71B EUR
- Nordic bank net interest income focus
Top Risk
- Interest rate environment sensitivity
- EU banking regulatory pressure
- Nordic economic cyclicality
Delta
No change
engine errorno change
DCF 16.30 → Cal. 16.62
Key Drivers
- Growth in net interest income driven by loan book expansion and interest rate…
- Effective management of credit risk and loan loss provisions
- Cost efficiency programs and digitalization initiatives, including stablecoin…
Top Risk
- Adverse changes in interest rates impacting net interest income
- Economic downturn leading to increased loan defaults
- Intensified competition from other banks and fintechs
Delta
CAGR-1.0pp
ROE+2.0pp
minor change
DCF 16.30 → Cal. 16.62
Key Drivers
- Revenue growth from new financial products
- Expansion in Nordic markets
- Stable economic conditions in the financial sector
Top Risk
- Regulatory changes affecting financial services
- Economic downturn impacting loan demand
- Increased competition within the sector
Delta
No previous data
stableno change
DCF 16.03 → Cal. 16.44
Key Drivers
- Nordea is the largest Nordic bank by assets with diversified revenue across r…
- Trailing ROE of 14.5% is close to Nordea's own 15% target, reflecting strong …
- Historical revenue CAGR of 6.6% (2022–2025) was heavily driven by net interes…
Top Risk
- Interest rate normalisation (ECB/Riksbank/Norges Bank cuts) could compress net interest…
- Credit quality deterioration if Nordic housing markets weaken, particularly in Sweden a…
- Basel IV implementation and evolving regulatory capital requirements may constrain capi…
Delta
No change
no changestable assumptionsnii compression ongoing
DCF 15.78 → Cal. 16.26
Key Drivers
- Stable net interest income from large Nordic deposit base
- Cost efficiency programs improving operating leverage
- Digital transformation driving customer acquisition and retention
Top Risk
- Low interest rate environment compressing net interest margins
- Elevated credit losses from economic downturn or loan defaults
- Intense competition from new fintech entrants and digital banks
Delta
No previous data
engine errorno change
Valuation Assumptions
| CLAUDE | DEEPSEEK | GEMINI | GPT | GROK | |
|---|---|---|---|---|---|
| Revenue CAGR 5Y | 3.0% | 4.0% | 4.0% -1.0pp | 5.0% | 4.0% |
| ROE Target | 14.5% | 14.0% | 14.5% | 14.5% | 15.0% |
| WACC | 11.5% | 11.0% | 11.5% | 11.5% | 11.5% |
| Terminal Growth | 2.0% | 2.0% | 2.0% | 2.0% | 2.0% |
Fundamentals
EBIT Margin–%
EBITDA Margin–%
ROE14.5%
Net Debt / EBITDA–x
P/E Trailing12.1x
EV / EBITDA–x
P/B1.9x
Analyst Range13.40 – 20.00
Source: Yahoo Finance
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AI Investor Barometer · 2026-07-10
All content is generated by AI models and may contain errors. This is an experimental tool — not investment advice, research, or recommendation. About · Methodology · Terms of Use · Privacy Policy