Financial Services / Banks - RegionalOslo
$197.96
+2.98 (+1.53%)
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 50.0/100
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
35/100
D
Piotroski
4/9
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
$786M
P/E
9.5x
↓EV/EBITDA
N/A
•ROE
13.0%
↑Gross Margin
N/A
•Debt/Equity
1.16
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+10.8%
FCF CAGR
—
FCF margin
-49.4%
FCF / Net income
-1.03x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $408.9M · net income $196.1M · FCF $-201.9M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $408.9M | $408.9M | $314.5M | $339.0M | $300.3M |
| Net Income | $196.1M | $196.1M | $111.1M | $155.2M | $165.7M |
| EPS | — | — | 11.96 | 18.04 | 21.99 |
| Net Margin | 48.0% | 48.0% | 35.3% | 45.8% | 55.2% |
| Balance Sheet | |||||
| Debt/Equity | 1.16 | 1.16 | 1.21 | 1.05 | 1.05 |
| Cash Flow | |||||
| Free Cash Flow | $-201.9M | $-201.9M | $-150.3M | $43.6M | $339.4M |
| Returns | |||||
| ROE | 13.0% | 13.0% | 8.2% | 12.2% | 14.3% |
| Valuation | |||||
| P/E | 9.50 | 9.50 | 12.54 | 8.15 | 7.28 |
| P/B | 0.52 | 0.52 | 0.44 | 0.46 | 0.48 |
| Growth & Yield | |||||
| Revenue Growth | 30.0% | 30.0% | -7.2% | 12.9% | — |
| EPS Growth | — | — | -33.7% | -18.0% | — |
| Dividend Yield | 6.1% | 6.1% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
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
+37.3%
Start / end P/E
n/dx → n/dx
EPS bridge
11.96 → n/d
Residual
+31.2%
EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.
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.