Financial Services / Banks - RegionalOslo
$160.00
-1.98 (-1.22%)
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 29.0/100
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
26/100
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
$841M
P/E
19.9x
↑EV/EBITDA
N/A
•ROE
6.8%
↑Gross Margin
N/A
•Debt/Equity
1.71
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+15.4%
FCF CAGR
—
FCF margin
-16.3%
FCF / Net income
-0.42x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $483.8M · net income $188.9M · FCF $-78.8M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $483.8M | $483.8M | $427.4M | $394.7M | $315.1M |
| Net Income | $188.9M | $188.9M | $158.6M | $154.8M | $114.3M |
| EPS | 9.29 | 9.29 | 9.88 | 68.81 | 50.80 |
| Net Margin | 39.1% | 39.1% | 37.1% | 39.2% | 36.3% |
| Balance Sheet | |||||
| Debt/Equity | 1.71 | 1.71 | 2.01 | 1.91 | 1.71 |
| Cash Flow | |||||
| Free Cash Flow | $-78.8M | $-78.8M | $-11.2M | $-635.9M | $-849.0M |
| Returns | |||||
| ROE | 6.8% | 6.8% | 7.6% | 8.0% | 6.4% |
| Valuation | |||||
| P/E | 19.88 | 19.88 | 15.53 | — | — |
| P/B | 0.30 | 0.30 | 0.17 | — | — |
| Growth & Yield | |||||
| Revenue Growth | 13.2% | 13.2% | 8.3% | 25.3% | — |
| EPS Growth | -6.0% | -6.0% | -85.6% | 35.5% | — |
| Dividend Yield | 6.3% | 6.3% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
15.2%
EPS terminal req.
$14.20
Spread vs growth
-21.2%
5Y implied EPS CAGR
13.1%
EPS terminal req.
$17.18
Spread vs growth
-19.1%
10Y implied EPS CAGR
11.5%
EPS terminal req.
$27.67
Spread vs growth
-17.5%
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
+1.6%
Start / end P/E
17.0x → 17.2x
EPS bridge
9.88 → 9.29
Residual
-0.1%
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.