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Alm. Brand A/S (ALMB.CO)
DKK16.45
-0.12 (-0.72%)
DK CPH Financial Services Insurance - Diversified
Address
Midtermolen 7 2100
Copenhagen, DK
Copenhagen, DK
CEO
Andreas Ruben Madsen
Website
almbrand.dk
IPO
2000-01-03
ISIN DK0015250344
Also trades on
NASDAQ Copenhagen · ALMB.CO (DKK)
Other OTC · ABDBY (USD)
Description
Alm. Brand A/S, together with its subsidiaries, provides non-life insurance products and services in Denmark. It offers car, travel, home, contents, accident, and holiday home insurance; as well as salary security, dog, health, change of ownership, seller’s liability, veteran vehicle, motorcycle, moped, boat, youth, drone, horse, caravan, and child accident insurance. In addition, the company provides business, workers’ compensation, professional liability, electric car, truck, construction, building, and cyber insurance. Further, it offers other direct insurance products to private households, agricultural, small and medium-sized enterprises, and corporates through its sales channels and partnerships. The company was founded in 1792 and is headquartered in Copenhagen, Denmark.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
DKK16.45
-0.12 (-0.72%)
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Volume Profile
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Liquidity & share structure
Average Volume
2M
Beta
1.12
Float Shares
689.65M
Free Float %
49.2%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.47% | -4.27% | +1.14% | -8.52% | -16.87% | -19.19% | -7.68% | +32.31% | -2.34% | +25.15% | -100.00% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
16.45
DCF (Unlevered)
9.82
-40.3%
DCF (Levered)
5.10
-69.0%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Ratings Trend (MoM)
100% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 1 | 0 |
| Buy | 4 | 0 |
| Hold | 0 | -1 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
1.52
Distress
Piotroski F-Score
7 / 9
Strong
MOAT Score
4 / 10
Developing
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
3 / 5
Medium
ROE Score
3 / 5
Medium
ROA Score
5 / 5
High
D/E Score
3 / 5
Medium
P/E Score
2 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
✗ Below peers
-
Revenue growth Insurance - Diversified: +15.2%-5.5% Q1'26: -4.3% (vs Q1'25)
-
EPS growth Insurance - Diversified: +25.3%+78.4% ★ Q1'26: -30.4% (vs Q1'25)
-
FCF margin FCF growth · Insurance - Diversified: +30.2%+8.8% Q1'26: +65.2% (vs Q1'25)
-
EBIT margin Insurance - Diversified: +13.5%+11.9% Q1'26: +11.1% (vs Q1'25)
-
ROIC Insurance - Diversified: +4.2%+8.8% ★ Q1'26: +6.8% (vs Q1'25)
-
Share dilution Insurance - Diversified: +0.0%-4.0% ★ Q1'26: -5.1% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Insurance - Diversified: -0.05×1.24× Q1'26: 0.82× (vs Q1'25)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 3 Rev. Ana. 4 EPS Ana. |
Dec 2027 3 Rev. Ana. 4 EPS Ana. |
Dec 2028 3 Rev. Ana. 5 EPS Ana. |
Dec 2029 2 Rev. Ana. 1 EPS Ana. |
Dec 2030 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
6.91B
est: 5.08B (+36.1%)
|
7.79B
est: 6.27B (+24.2%)
|
8.17B
est: 6.43B (+27.1%)
|
7.83B
est: 5.29B (+48.1%)
|
8.39B
est: 6.35B (+32.2%)
|
5.19B
est: 6.26B (-17.2%)
|
5.25B
est: 5.48B (-4.2%)
|
10.59B
est: 9.51B (+11.3%)
|
13.89B
est: 15.12B (-8.1%)
|
14.14B
est: 11.11B (+27.3%)
|
13.37B
est: 11.83B (+13.0%)
|
12.05B
11.78B – 12.28B
+1.8% YoY
|
12.51B
12.10B – 12.80B
+3.8% YoY
|
12.98B
12.84B – 13.11B
+3.8% YoY
|
13.36B
12.99B – 13.64B
+2.9% YoY
|
13.36B
12.98B – 13.64B
0.0% YoY
|
| EBITDA |
730.00M
est: 489.30M (+49.2%)
|
1.06B
est: 603.92M (+75.5%)
|
1.04B
est: 618.95M (+67.4%)
|
679.00M
est: 509.05M (+33.4%)
|
615.00M
est: 611.77M (+0.5%)
|
744.00M
est: 603.25M (+23.3%)
|
713.00M
est: 527.44M (+35.2%)
|
2.00M
est: 916.20M (-99.8%)
|
1.20B
est: 2.33B (-48.6%)
|
1.64B
est: 1.71B (-4.6%)
|
1.59B
est: 1.83B (-13.2%)
|
1.86B
1.82B – 1.90B
+1.8% YoY
|
1.93B
1.87B – 1.98B
+3.8% YoY
|
2.00B
1.98B – 2.02B
+3.8% YoY
|
2.06B
2.00B – 2.11B
+2.9% YoY
|
2.06B
2.00B – 2.11B
0.0% YoY
|
| EBIT |
730.00M
est: 392.71M (+85.9%)
|
1.06B
est: 484.70M (+118.7%)
|
1.04B
est: 496.76M (+108.6%)
|
679.00M
est: 408.56M (+66.2%)
|
615.00M
est: 491.00M (+25.3%)
|
744.00M
est: 484.16M (+53.7%)
|
713.00M
est: 423.32M (+68.4%)
|
-236.00M
est: 735.33M (-132.1%)
|
684.00M
est: 2.22B (-69.3%)
|
1.13B
est: 1.63B (-30.7%)
|
1.59B
est: 1.74B (-9.0%)
|
1.77B
1.73B – 1.81B
+1.8% YoY
|
1.84B
1.78B – 1.88B
+3.8% YoY
|
1.91B
1.89B – 1.93B
+3.8% YoY
|
1.97B
1.91B – 2.01B
+2.9% YoY
|
1.96B
1.91B – 2.01B
0.0% YoY
|
| Net Income |
524.00M
est: 875.09M (-40.1%)
|
826.00M
est: 1.59B (-48.0%)
|
811.00M
est: 1.72B (-52.7%)
|
569.00M
est: 1.28B (-55.4%)
|
452.00M
est: 1.30B (-65.3%)
|
618.00M
est: 1.88B (-67.2%)
|
598.00M
est: 547.20M (+9.3%)
|
374.00M
est: 621.66M (-39.8%)
|
612.00M
est: 634.93M (-3.6%)
|
777.00M
est: 1.07B (-27.6%)
|
1.35B
est: 1.56B (-13.5%)
|
805.93M
795.76M – 1.22B
-48.5% YoY
|
1.80B
1.72B – 1.88B
+123.3% YoY
|
2.04B
1.98B – 2.11B
+13.6% YoY
|
2.22B
2.14B – 2.28B
+8.6% YoY
|
2.37B
2.28B – 2.43B
+6.6% YoY
|
| SGA |
737.00M
est: 123.79M (+495.4%)
|
812.00M
est: 152.78M (+431.5%)
|
900.00M
est: 156.59M (+474.8%)
|
1.26B
est: 128.78M (+875.3%)
|
232.00M
est: 154.77M (+49.9%)
|
208.00M
est: 152.61M (+36.3%)
|
222.00M
est: 133.44M (+66.4%)
|
417.00M
est: 231.79M (+79.9%)
|
—
est: 247.16M (-100.0%)
|
—
est: 181.51M (-100.0%)
|
—
est: 193.41M (-100.0%)
|
196.93M
192.48M – 200.63M
+1.8% YoY
|
204.40M
197.70M – 209.25M
+3.8% YoY
|
212.08M
209.83M – 214.33M
+3.8% YoY
|
218.32M
212.25M – 222.97M
+2.9% YoY
|
218.28M
212.21M – 222.93M
0.0% YoY
|
| EPS |
0.76
est: 0.58 (+32.0%)
|
1.23
est: 1.04 (+17.7%)
|
1.23
est: 1.13 (+8.9%)
|
0.88
est: 0.84 (+4.7%)
|
0.71
est: 0.86 (-17.3%)
|
1.15
est: 1.24 (-7.2%)
|
1.02
est: 0.36 (+183.3%)
|
-0.02
est: 0.41 (-106.0%)
|
0.40
est: 0.44 (-8.4%)
|
0.51
est: 0.74 (-30.9%)
|
0.92
est: 1.08 (-14.5%)
|
0.68
0.55 – 0.84
-36.7% YoY
|
1.23
1.18 – 1.29
+80.9% YoY
|
1.38
1.36 – 1.45
+12.2% YoY
|
1.52
1.47 – 1.56
+9.9% YoY
|
1.62
1.56 – 1.66
+6.6% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | B+ | 3/5 | 3/5 | 3/5 | 5/5 | 3/5 | 2/5 | 2/5 |
| 2026-05-28 | B+ | 3/5 | 3/5 | 3/5 | 5/5 | 3/5 | 2/5 | 2/5 |
| 2026-05-27 | B+ | 3/5 | 3/5 | 3/5 | 5/5 | 3/5 | 2/5 | 2/5 |
| 2026-05-26 | B+ | 3/5 | 3/5 | 3/5 | 5/5 | 3/5 | 2/5 | 2/5 |
| 2026-05-22 | B+ | 3/5 | 3/5 | 3/5 | 5/5 | 3/5 | 2/5 | 2/5 |
| 2026-05-21 | B+ | 3/5 | 3/5 | 3/5 | 5/5 | 3/5 | 2/5 | 2/5 |
| 2026-05-20 | B+ | 3/5 | 3/5 | 3/5 | 5/5 | 3/5 | 2/5 | 2/5 |
| 2026-05-19 | B+ | 3/5 | 3/5 | 3/5 | 5/5 | 3/5 | 2/5 | 2/5 |
| 2026-05-18 | B+ | 3/5 | 3/5 | 3/5 | 5/5 | 3/5 | 2/5 | 2/5 |
| 2026-05-13 | B+ | 3/5 | 3/5 | 3/5 | 5/5 | 3/5 | 2/5 | 2/5 |
| 2026-05-12 | B+ | 3/5 | 3/5 | 3/5 | 5/5 | 3/5 | 2/5 | 2/5 |
| 2026-05-11 | B+ | 3/5 | 3/5 | 3/5 | 5/5 | 3/5 | 2/5 | 2/5 |
| 2026-05-08 | B+ | 3/5 | 3/5 | 3/5 | 5/5 | 3/5 | 2/5 | 2/5 |
| 2026-05-07 | B+ | 3/5 | 3/5 | 3/5 | 5/5 | 3/5 | 2/5 | 2/5 |
| 2026-05-06 | B+ | 3/5 | 3/5 | 3/5 | 5/5 | 3/5 | 2/5 | 2/5 |
| 2026-05-05 | B+ | 3/5 | 3/5 | 3/5 | 5/5 | 3/5 | 2/5 | 2/5 |
| 2026-05-04 | B+ | 3/5 | 3/5 | 3/5 | 5/5 | 3/5 | 2/5 | 2/5 |
| 2026-04-30 | B+ | 3/5 | 3/5 | 3/5 | 5/5 | 3/5 | 2/5 | 2/5 |
| 2026-04-29 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-04-28 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-04-27 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-04-24 | B | 3/5 | 3/5 | 4/5 | 5/5 | 2/5 | 2/5 | 1/5 |
| 2026-04-23 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-22 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-21 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-20 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-17 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-16 | B+ | 3/5 | 3/5 | 4/5 | 5/5 | 2/5 | 2/5 | 2/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
1.78B
OE per share TTM
1.26
Owner's Yield
8.42%
Maintenance CapEx ratio
17.21%
Maint CapEx / Avg PPE
8.4%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
Held by 82 ETFs in our universe
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | iShares MSCI Denmark ETF EDEN | 0.83% | 1.70M | 0.53% |
| 2 | iShares MSCI Europe Small-Cap ETF IEUS | 0.12% | 206.9K | 0.41% |
| 3 | Xtrackers MSCI Europe Small Cap UCITS ETF 1C XXSC.L | 0.12% | 4.03M | 0.30% |
| 4 | State Street SPDR MSCI Europe Small Cap Value Weighted UCITS ETF EUR Acc ZPRX.DE | 0.08% | 637.7K | 0.30% |
| 5 | Avantis International Small Cap Equity ETF AVDS | 0.08% | 248.2K | 0.30% |
| 6 | Dimensional - International Small Cap Value ETF DISV | 0.07% | 3.43M | 0.42% |
| 7 | Schwab International Small-Cap Equity ETF SCHC | 0.07% | 3.59M | 0.06% |
| 8 | Schwab Fundamental International Small Company Index ETF FNDC | 0.06% | 1.83M | 0.39% |
| 9 | Dimensional - International Small Cap ETF DFIS | 0.06% | 3.38M | 0.39% |
| 10 | Avantis International Equity ETF AVDE | 0.06% | 9.87M | 0.23% |
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
800.9K
Shares Outstanding
1.40B
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Andreas Ruben Madsen | CEO & Member of Executive Board | 8M | male |
| Bo Krag Esbensen | Chief Operating Officer | — | — |
| Jacques Skovgaard-Sørensen | Senior Vice President of Banking - Financial markets | — | male |
| Kristian Hjort-Madsen | Group Executive Vice President of Private | — | male |
| Kristjan Jorgensen | Chief Press & Communication Officer | — | male |
| Laury Kristoffersen | Senior Vice President of Digital Development Programme | — | male |
| Mads Thinggaard | Head of Investor Relations | — | male |
| Peter Flemmer | Senior Vice President of Non-life Insurance - Commercial | — | male |
| Poul-Erik Winther | Group Chief Auditor | — | male |
| Thorsten Meyer Larsen | Chief Investment Officer | — | male |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for ALMB.CO
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
