Financial Services / Banks - RegionalOslo
$256.00
-2.95 (-1.14%)
Book/ROE base 3Y
n/d
n/d CAGR · P/B n/d
Book/ROE base 5Y
n/d
n/d base · n/d expected
Precio de entrada
n/d
MOS 100% · confianza 20%
Book/ROE escenarios
weak_data · book/share n/d · quality 40.0/100
Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.
SA Score
29/100
D
Piotroski
1/9
balance/quality
Valuation
50/100
+0.0% upside
5Y CAGR
+0.0%
50/100
Data QA
16/100
SEC 0%
Sin guardar todavía.
Market Cap
$1.2B
P/E
4.7x
↓EV/EBITDA
N/A
•ROE
10.2%
↑Gross Margin
N/A
•Debt/Equity
2.45
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+13.9%
FCF CAGR
—
FCF margin
-100.3%
FCF / Net income
-2.02x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $523.5M · net income $259.9M · FCF $-525.2M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $523.5M | $523.5M | $476.2M | $439.1M | $354.2M |
| Net Income | $259.9M | $259.9M | $235.7M | $214.5M | $177.6M |
| EPS | 19.36 | 19.36 | 51.00 | 46.40 | 38.42 |
| Net Margin | 49.6% | 49.6% | 49.5% | 48.8% | 50.1% |
| Balance Sheet | |||||
| Debt/Equity | 2.45 | 2.45 | 2.32 | 2.17 | 2.11 |
| Cash Flow | |||||
| Free Cash Flow | $-525.2M | $-525.2M | $-745.2M | $-381.4M | $-31.3M |
| Returns | |||||
| ROE | 10.2% | 10.2% | 10.1% | 9.9% | 9.3% |
| Valuation | |||||
| P/E | 4.66 | 4.66 | 4.62 | 4.78 | 5.67 |
| P/B | 0.46 | 0.46 | 0.47 | 0.47 | 0.53 |
| Growth & Yield | |||||
| Revenue Growth | 9.9% | 9.9% | 8.5% | 24.0% | — |
| EPS Growth | -62.0% | -62.0% | 9.9% | 20.8% | — |
| Dividend Yield | 6.6% | 6.6% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
5.5%
EPS terminal req.
$22.72
Spread vs growth
-67.5%
5Y implied EPS CAGR
7.3%
EPS terminal req.
$27.49
Spread vs growth
-69.3%
10Y implied EPS CAGR
8.6%
EPS terminal req.
$44.27
Spread vs growth
-70.7%
Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.
Total return
+17.5%
Start / end P/E
4.5x → 13.2x
EPS bridge
51.00 → 19.36
Residual
-119.1%
Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.