Financial Services / Banks - RegionalOslo
$338.50
-5.65 (-1.64%)
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
28/100
D
Piotroski
3/9
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
$1.7B
P/E
11.0x
↓EV/EBITDA
N/A
•ROE
10.9%
↑Gross Margin
N/A
•Debt/Equity
1.58
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+12.9%
FCF CAGR
—
FCF margin
-50.9%
FCF / Net income
-0.98x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $594.7M · net income $307.2M · FCF $-302.5M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $594.7M | $594.7M | $551.7M | $504.9M | $413.6M |
| Net Income | $307.2M | $307.2M | $275.1M | $239.1M | $186.6M |
| EPS | 31.10 | 31.10 | 27.70 | 24.10 | 19.20 |
| Net Margin | 51.7% | 51.7% | 49.9% | 47.4% | 45.1% |
| Balance Sheet | |||||
| Debt/Equity | 1.58 | 1.58 | 1.47 | 1.39 | 1.50 |
| Cash Flow | |||||
| Free Cash Flow | $-302.5M | $-302.5M | $-134.6M | $-44.3M | $55.1M |
| Returns | |||||
| ROE | 10.9% | 10.9% | 10.5% | 9.5% | 8.1% |
| Valuation | |||||
| P/E | 11.03 | 11.03 | 11.83 | 11.12 | 12.19 |
| P/B | 0.59 | 0.59 | 0.62 | 0.53 | 0.50 |
| Growth & Yield | |||||
| Revenue Growth | 7.8% | 7.8% | 9.3% | 22.1% | — |
| EPS Growth | 12.3% | 12.3% | 14.9% | 25.5% | — |
| Dividend Yield | 5.8% | 5.8% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-1.2%
EPS terminal req.
$30.04
Spread vs growth
13.4%
5Y implied EPS CAGR
3.2%
EPS terminal req.
$36.34
Spread vs growth
9.1%
10Y implied EPS CAGR
6.5%
EPS terminal req.
$58.53
Spread vs growth
5.7%
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
+0.6%
Start / end P/E
12.9x → 10.9x
EPS bridge
27.70 → 31.10
Residual
-1.9%
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.