Financial Services / Banks - RegionalOslo
$13.60
+0.05 (+0.37%)
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 42.0/100
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
51/100
C
Piotroski
7/9
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
$566M
P/E
9.4x
↓EV/EBITDA
N/A
•ROE
12.8%
↑Gross Margin
N/A
•Debt/Equity
0.09
↓TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+13.4%
FCF CAGR
+46.9%
FCF margin
104.6%
FCF / Net income
3.44x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $213.8M · net income $65.0M · FCF $223.7M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $213.8M | $213.8M | $150.2M | $138.5M | $146.5M |
| Net Income | $65.0M | $65.0M | $27.6M | $42.3M | $46.5M |
| EPS | 1.45 | 1.45 | 0.61 | 1.01 | 1.11 |
| Net Margin | 30.4% | 30.4% | 18.3% | 30.6% | 31.7% |
| Balance Sheet | |||||
| Debt/Equity | 0.09 | 0.09 | 0.10 | 0.10 | 0.11 |
| Cash Flow | |||||
| Free Cash Flow | $223.7M | $223.7M | $139.8M | $113.0M | $70.5M |
| Returns | |||||
| ROE | 12.8% | 12.8% | 6.0% | 9.6% | 11.6% |
| Valuation | |||||
| P/E | 9.38 | 9.38 | 14.10 | 8.42 | 8.33 |
| P/B | 1.21 | 1.21 | 0.85 | 0.81 | 0.97 |
| Growth & Yield | |||||
| Revenue Growth | 42.4% | 42.4% | 8.4% | -5.5% | — |
| EPS Growth | 137.7% | 137.7% | -39.6% | -9.0% | — |
| Dividend Yield | 5.6% | 5.6% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-5.9%
EPS terminal req.
$1.21
Spread vs growth
143.6%
5Y implied EPS CAGR
0.1%
EPS terminal req.
$1.46
Spread vs growth
137.6%
10Y implied EPS CAGR
5.0%
EPS terminal req.
$2.35
Spread vs growth
132.8%
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
+40.2%
Start / end P/E
16.6x → 9.4x
EPS bridge
0.61 → 1.45
Residual
-59.7%
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.