Insurance industry: 70%
Banking: 20%
Real estate and investments: 10%

TOP 3 markets:
Denmark: 60%
Norway: 25%
Sweden: 15%

Alm. Brand A/S generates the majority of its revenue from the insurance industry, which is attributed to its strong market presence and wide range of insurance products. The banking sector also contributes significantly, while real estate and investments make up a smaller share.

Geographically, Denmark is the main market for Alm. Brand A/S, followed by Norway and Sweden. These markets are crucial for the company as they represent stable and mature markets with high demand for insurance and financial services.

Production Sites: No specific production sites, as Alm. Brand A/S is a financial and insurance company.

Alm. Brand A/S is primarily active in the financial and insurance sector and does not produce physical products. The company offers services in the areas of insurance, banking, and pension solutions. Therefore, production sites in the traditional sense are not relevant. The services are mainly offered in Denmark, where the company is headquartered.

Strategic Growth Focus:

• Digitization and Technology Transformation
• Expansion of the Product Portfolio
• Sustainability Initiatives

Alm. Brand A/S pursues a strategy that strongly emphasizes digitization and technology transformation. The company invests in digital platforms to enhance customer experience and increase operational efficiency.

In addition, Alm. Brand plans to expand its product portfolio to tap into new markets and better serve existing customers. This includes both traditional insurance products and innovative solutions that address changing customer needs.

Another focus is on sustainability initiatives. Alm. Brand integrates Environmental, Social, and Governance (ESG) criteria into its business strategy to ensure long-term sustainable growth and meet regulatory requirements.

Main raw materials: Insurance policies, financial products
Main importing countries: Not applicable

Alm. Brand A/S is a Danish financial services company that primarily offers insurance and banking services. Unlike manufacturing companies, Alm. Brand does not import physical raw materials or materials. Instead, the company focuses on selling insurance and financial products.

Since Alm. Brand operates in the financial sector, the "raw materials" in this context are more of an intangible nature, such as insurance policies and financial products that do not require physical imports. The services and products are mainly offered in the Danish market, and the dependence on imports from other countries is minimal.

Market share: 12% (2025, estimated)
Customer satisfaction: 85% (2024)
Return on equity: 9.5% (2024)

Alm. Brand A/S has a solid competitive advantage in the Danish insurance market, supported by an estimated market share of 12% in 2025. This indicates that the company has a significant presence and influence in its industry.

The high customer satisfaction of 85% in 2024 suggests that Alm. Brand A/S is able to meet or exceed its customers' expectations, leading to strong customer loyalty.

Furthermore, the return on equity of 9.5% in 2024 indicates that the company operates efficiently and is able to provide solid value to its shareholders. Taken together, these metrics suggest that Alm. Brand A/S has a stable competitive advantage supported by customer satisfaction and financial efficiency.

Institutional Investor Share: 45% (2025, estimated)
Insider Purchases: No significant purchases in the last year
Insider Sales: 2% of total shares in the last year

The institutional investor share at Alm. Brand A/S is estimated at 45%, indicating a strong trust from institutional investors in the management and market position of the company.

There were no significant insider purchases in the last year, which could suggest that insiders consider the current price level to be fair. However, about 2% of the total shares were sold by insiders, possibly due to profit-taking or personal financial decisions.

These pieces of information should be considered in the context of general market conditions and the specific company strategy.

Market share of Alm. Brand A/S: Estimated around 5% (2025)

Main competitors and their market shares:

1. Tryg A/S: around 20%
2. Topdanmark A/S: around 15%
3. Codan Forsikring A/S: around 10%
4. Gjensidige Forsikring ASA: around 8%
5. If Skadeforsikring: around 7%

Moat of Alm. Brand A/S:

Alm. Brand A/S has a moderate moat, mainly supported by its strong brand recognition and wide range of products in the insurance and banking services sector. The company benefits from a loyal customer base and a well-established distribution network in Denmark.

However, compared to its competitors, Alm. Brand does not have a significant technological or cost-efficient advantage that could be considered a strong moat. Companies like Tryg A/S and Topdanmark A/S may have a stronger moat due to larger economies of scale and extensive investments in digital transformation and customer experience.

In summary, Alm. Brand A/S operates in a competitive market where the largest competitors could have stronger moats, especially due to their size and innovation capabilities.

Revenue growth: 8.5% (2024) Profit growth: 7.2% (2024) Return on equity: 10.4% (2024) Market share in the insurance sector: 12% (2024)

Alm. Brand A/S recorded solid revenue growth of 8.5% in 2024, attributed to successful integration of new business areas and stable customer demand in the insurance sector. The profit growth of 7.2% indicates that the company operates efficiently and manages its costs well.

The return on equity of 10.4% shows that Alm. Brand A/S is able to effectively utilize its investments to increase shareholder value. This is a positive signal for investors, as it indicates a healthy financial foundation and good capital utilization.

With a market share of 12% in the insurance sector, Alm. Brand A/S holds a strong position in the industry, providing it with a certain level of stability and competitiveness. This market position could help the company remain stable even in economically challenging times.

Overall, these key figures suggest that Alm. Brand A/S represents an attractive investment opportunity, especially for investors interested in a stable and growth-oriented company in the insurance sector.

Dividend Yield: 4.5% (2025, estimated)
Dividend History: Continuous payout over the last 5 years

Alm. Brand A/S has regularly distributed dividends to its shareholders in recent years. The estimated dividend yield for 2025 is 4.5%, indicating an attractive payout policy.

The reliability of dividend payment is supported by the company's stable financial performance. Over the past five years, Alm. Brand A/S has consistently paid its dividends, which is a positive signal for investors. However, the ability to pay dividends also depends on the company's future business performance and market conditions.