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Tekoälymallien arviot osakkeelle
Nordea Bank Abp markkinahintaan verrattuna

2026-05-22🇫🇮 OMXHfinancials
16.25 EUR
52 viikon vaihteluväli
11.96 €
17.11 €

5 AI-mallia arvioi NDA1V:n mediaaniksi 16.66 € (+2.5% suhteessa spotiin 16.25 €, mallien yksimielisyys 0.95). Analyytikkokonsensus 17.03 € (9 analyytikkoa). Kokeellinen vertailu — ei sijoitusneuvontaa.

AI-konsensus

Mallin arvio
16.66 €
Sis. 30 % analyytikkoankkurointi
Ero
+2.5%
Yksimielisyys
0.955/5 mallia
Raaka 0.93
Hajonta
σ 0.02
Analyytikkokonsensus
17.03 €(9 analyytikkoa)
AI-yhteenveto
4 viidestä AI-mallia on positiivisia NDA1V. Avaintekijä: Efficiency-led model expected to maintain profitability. AI-konsensusarvio 16.66 2.5% yli nykyhinnan. Mallien yksimielisyys on korkea (0.95). Analyytikkokonsensus: 17.03 (AI -2.2%).
gptclaudegeminideepseekgrokNDA1VNordea Bank…16.3spot17.0analysts15.816.116.416.616.917.2
Pessimistinen (min)
15.49 €
-4.7%
Perus (mediaani)
16.66 €
+2.5%
Optimistinen (max)
16.50 €
1.6%

Arvion kehitys AI-mallien arviot ja osakkeen hinta ajan yli

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Mikä muuttui tänään

Konsensusarvio:16.66→16.66(+0.0%)
CAGR
-0.5pp(1 ↓)
ROE
-1.0pp(1 ↓)
WACC
+0.5pp(1 ↑)
no-changestable-assumptionsregulatory-risk-monitored

Mallien erittely

DEEPSEEK →
Est.
16.66
Ero
+2.5%
Conf
0.55
DCF 16.50 → Kal. 16.66
Avaintekijät
  • Nordea's efficiency-led model and cost discipline support stable margins
  • Strong corporate lending and asset management growth offset net interest inco…
  • Capital returns and shareholder value focus confirmed at AGM
Suurin riski
  • Danish regulator investigation into Nordea Finans Danmark adds regulatory uncertainty
  • Softer Q1 2026 earnings test efficiency model
  • Market uncertainty and potential recession could pressure loan demand and credit quality
Muutos
No material new information since yesterday; assumptions unchanged.
Ei muutosta
no change
GEMINI →
Est.
16.66
Ero
+2.5%
Conf
0.75
DCF 16.50 → Kal. 16.66
Avaintekijät
  • Efficiency-led model expected to maintain profitability.
  • Strong corporate lending and asset management contributing to revenue.
  • Strategic focus on digital services and customer engagement.
Suurin riski
  • Regulatory and legal investigations, such as the one involving Nordea Finans Danmark.
  • Market uncertainty potentially impacting financial performance and guidance.
  • Pressure on earnings from a 'softer' Q1 2026, testing the efficiency model.
Muutos
Yesterday's model was unavailable. This is a new run based on current data.
Ei edellistä dataa
new run
GPT →
Est.
16.66
Ero
+2.5%
Conf
0.70
DCF 16.50 → Kal. 16.66
Avaintekijät
  • Strong corporate lending
  • Asset management growth potential
  • Market expansion initiatives
Suurin riski
  • Regulatory investigations
  • Market uncertainty affecting performance
  • Potential economic downturn
Muutos
The outlook remains steady with strong corporate lending supporting growth.
Ei edellistä dataa
model update
GROK →
Est.
16.66
Ero
+2.5%
Conf
0.60
DCF 16.50 → Kal. 16.66
Avaintekijät
  • Nordic macro stabilization supports 3-4% net interest income growth
  • Cost discipline and digital investments sustain high-30s operating margin
  • Low beta 0.62 supports WACC at lower end of Nordic bank range
Suurin riski
  • Regulatory scrutiny in Denmark could raise compliance costs
  • Slower corporate lending growth if macro weakens
  • Net interest margin pressure from potential rate cuts
Muutos
Minor downward adjustment to revenue CAGR and margin target reflecting softer near-term growth signals in recent earn…
CAGR
-0.5pp
ROE
-1.0pp
WACC
+0.5pp
slight reduction
CLAUDE →
Est.
15.95
Ero
-1.8%
Conf
0.73
DCF 15.49 → Kal. 15.95
Avaintekijät
  • Historical revenue CAGR of 6.6% (2022–2025) was disproportionately driven by …
  • Trailing ROE of 14.5% is strong for a Nordic universal bank; management backe…
  • Q1 2026 earnings call highlighted strong corporate lending and asset manageme…
Suurin riski
  • Danish regulator seeking further police investigation into Nordea Finans Danmark introd…
  • Consensus earnings growth of -8.6% for next 12 months signals meaningful near-term EPS …
  • ECB and Riksbank rate cut cycle reduces net interest margin, the primary earnings drive…
Muutos
Assumptions are unchanged from yesterday's run. All four core inputs (WACC 10.5%, revenue CAGR 2.5%, EBIT margin 38%,…
Ei muutosta
no-changestable-assumptionsregulatory-risk-monitored

Arvostusoletukset

CLAUDEDEEPSEEKGEMINIGPTGROK
Liikevaihdon CAGR 5V2.5%2.5%3.5%5.0%3.5%
-0.5pp
ROE-tavoite14.0%14.5%14.5%14.5%14.5%
WACC10.5%10.5%10.5%11.5%11.0%
+0.5pp
Terminaalikasvu2.0%2.0%2.0%2.0%2.0%

Tunnusluvut

EBIT-marginaali–%
EBITDA-marginaali–%
ROE14.5%
Nettovelka / EBITDA–x
P/E11.7x
EV / EBITDA–x
P/B1.8x
Analyytikkojen vaihteluväli– – –
Nordea Bank Abp offers banking products and services for individuals, families, and businesses in Sweden, Finland, Norway, Denmark, and internationally. It operates through Personal Banking, Business Banking, Large Corporates & Institutions, and Asset & Wealth Management segments. The company provides various financial services to customers through mobile banking, over the phone, online meetings, and branch offices. It also offers payments, cash management, cards, working capital management, and cards and finance solutions. In addition, the company provides financing, payment, investment banking, capital market products, and securities services; and investment, savings, and risk management solutions. Further, it offers savings products and asset management, including investment funds, discretionary management, portfolio advice, and equity trading and pension accounts; and asset-based financing through leasing, hire purchase, factoring, and sales to finance partners, such as dealers, vendors and retailers, as well as life insurance and pension products and services. The company was founded in 1820 and is headquartered in Helsinki, Finland.
Lähde: Yahoo Finance

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