Valuation Result
Final Brand Value
Totalkredit — Banks
Valuation date: 10/30/2026
Total Brand Value
DKK 1.1B
This result turns the selected legal, brand, benchmark and discount-rate assumptions into one reviewable brand value estimate.
Brand Strength
75/100
Royalty Rate
2.3%
Discount Rate
9.0%
Benchmark recommendation not unlocked for this result
Sensitivity snapshot
Quick decision check for discount rate, royalty rate and long-term growth.
Variable
Lower input
Current
Higher input
WACC (Discount Rate)
9.0%
-1.0%
DKK 1.2B
9.0%
DKK 1.1B
+1.0%
DKK 959.9M
Royalty Rate
2.3%
-0.5%
DKK 836.1M
2.3%
DKK 1.1B
+0.5%
DKK 1.3B
Terminal Growth
1.0%
-0.5%
DKK 1.0B
1.0%
DKK 1.1B
+0.5%
DKK 1.1B
Brand Strength changes can also be explored to show their potential effect on brand value. Contact info@brandvaluator.se if you want to explore this for strategy, planning and budgeting.
Revenue Base
DKK 5.1B
Legal Protection
76/100
Long-term Growth
1.0%
Recommendation basis
Brand-strength range • Pro
This reference case derives its royalty rate by applying the brand-strength score to a documented industry royalty ceiling.
This valuation uses benchmark support informed by external market references and curated internal calibration.
Use this section to confirm whether the result reflects unlocked benchmark guidance or a non-benchmark method.
Forecast profile
5 years explicit forecast
High growth: -3.0%
Base growth: 1.0%
Long-term growth: 1.0%
Value build
Value for planning period: DKK 340.7M
Terminal value: DKK 734.3M
How the valuation is built
Valuation Build
| Year | Revenue | Royalty | After Tax | PV |
|---|---|---|---|---|
| Y1 | DKK 4,947,000,000 | DKK 111,307,500 | DKK 82,367,550 | DKK 78,893,804 |
| Y2 | DKK 4,996,470,000 | DKK 112,420,575 | DKK 83,191,226 | DKK 73,103,433 |
| Y3 | DKK 5,046,434,700 | DKK 113,544,781 | DKK 84,023,138 | DKK 67,738,044 |
| Y4 | DKK 5,096,899,047 | DKK 114,680,229 | DKK 84,863,369 | DKK 62,766,444 |
| Y5 | DKK 5,147,868,037 | DKK 115,827,031 | DKK 85,712,003 | DKK 58,159,733 |
| Explicit PV (Y1–Y5) | DKK 340,661,459 | |||
| Terminal Value (undiscounted) | DKK 1,082,114,036 | |||
| Terminal PV (discounted) | DKK 734,266,627 | |||
| Total Brand Value | DKK 1,074,928,085 |
Supporting context
This section explains the evidence and judgment used to support the recommendation and the legal, brand and financial assumptions used in the valuation.
Reference case
Totalkredit
Prepared reference case
Indicative value of the Totalkredit mortgage name in Denmark. The mortgage portfolio, partner-bank agreements, Nykredit and enterprise value are excluded.
Totalkredit was rated Best in Test by the Danish Consumer Council in 2025. 2026 profit after tax is guided at DKK 2.75-3.25bn (2025: DKK 3.236bn). It is not counted in the Nykredit case. The 3.00% name-only ceiling and 2.250% selected royalty are analyst assumptions, not an observed licence. Opening hypothetical rent of DKK 114.8m is about 3.0% of DKK 3.777bn FY2025 Totalkredit A/S pretax profit. Legal and behavioural inputs are outside-in estimates, not a trademark opinion or customer survey.
Informed by numerous sources including company reporting, investor materials, analyst research, market data and selected benchmark references where relevant.
Key inputs
Reported = directly sourced • Estimated = selected judgment • Inferred = derived from broader evidence • Assumed = inclusion choice
Revenue base
DKK 5.100bn FY2025 Totalkredit A/S incomereported
Planning growth
-3.00% for 1 years, then 1.00%estimated
Long-term growth
1.00%estimated
Royalty rate selected
2.25%estimated
Discount rate
9.00%estimated
Brand Strength
75/100 (B+)estimated
Legal analysis
76/100estimated
Company disclosures
These links lead to company-issued materials. BrandValuator cross-checks indicative estimates against multiple sources; the final assumptions and judgments are our own. Each input is labeled by evidence status above.
Legal Protection
trademark Status84
scope Of Rights78
risk Profile72
litigation74
contractual Rights72
goodwill Evidence80
regulatory Compliance74
Brand Strength
marketing Investment70
quality80
availability84
distinctive Brand Codes74
mental Availability76
consideration76
trust80
choice Share78
penetration80
price Elasticity64
revenue Premium64
margin Premium70
stability80