Financial Services / Banks - RegionalOslo
$166.00
-2.98 (-1.76%)
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 38.0/100
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
27/100
D
Piotroski
2/9
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
$4.5B
P/E
12.4x
↓EV/EBITDA
N/A
•ROE
9.3%
↑Gross Margin
N/A
•Debt/Equity
1.66
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+9.5%
FCF CAGR
-49.9%
FCF margin
40.0%
FCF / Net income
0.96x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $1.21B · net income $504.0M · FCF $482.0M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $1.21B | $1.21B | $1.26B | $1.20B | $919.0M |
| Net Income | $504.0M | $504.0M | $571.0M | $490.0M | $445.0M |
| EPS | 14.00 | 14.00 | 16.20 | 13.90 | 12.80 |
| Net Margin | 41.8% | 41.8% | 45.1% | 40.7% | 48.4% |
| Balance Sheet | |||||
| Debt/Equity | 1.66 | 1.66 | 1.60 | 1.35 | 1.68 |
| Cash Flow | |||||
| Free Cash Flow | $482.0M | $482.0M | $-200.0M | $1.80B | $3.84B |
| Returns | |||||
| ROE | 9.3% | 9.3% | 10.9% | 9.7% | 9.0% |
| Valuation | |||||
| P/E | 12.39 | 12.39 | 8.95 | 9.93 | 9.22 |
| P/B | 0.83 | 0.83 | 0.75 | 0.74 | 0.64 |
| Growth & Yield | |||||
| Revenue Growth | -4.7% | -4.7% | 5.2% | 30.9% | — |
| EPS Growth | -13.6% | -13.6% | 16.5% | 8.6% | — |
| Dividend Yield | 4.6% | 4.6% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
1.7%
EPS terminal req.
$14.73
Spread vs growth
-15.3%
5Y implied EPS CAGR
4.9%
EPS terminal req.
$17.82
Spread vs growth
-18.5%
10Y implied EPS CAGR
7.4%
EPS terminal req.
$28.70
Spread vs growth
-21.0%
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
+3.7%
Start / end P/E
10.3x → 11.9x
EPS bridge
16.20 → 14.00
Residual
-2.0%
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.