Financial Services / Banks - RegionalOslo
$196.98
+6.00 (+3.14%)
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 34.0/100
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
36/100
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
$546M
P/E
14.1x
↑EV/EBITDA
N/A
•ROE
8.2%
↑Gross Margin
N/A
•Debt/Equity
1.49
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+10.2%
FCF CAGR
+13.0%
FCF margin
53.7%
FCF / Net income
1.34x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $349.1M · net income $140.1M · FCF $187.4M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $349.1M | $349.1M | $344.1M | $342.3M | $260.8M |
| Net Income | $140.1M | $140.1M | $139.5M | $135.4M | $100.6M |
| EPS | 14.51 | 14.51 | 15.28 | 16.09 | 12.72 |
| Net Margin | 40.1% | 40.1% | 40.5% | 39.5% | 38.6% |
| Balance Sheet | |||||
| Debt/Equity | 1.49 | 1.49 | 1.46 | 1.57 | 1.82 |
| Cash Flow | |||||
| Free Cash Flow | $187.4M | $187.4M | $131.6M | $243.6M | $130.0M |
| Returns | |||||
| ROE | 8.2% | 8.2% | 8.9% | 9.2% | 7.7% |
| Valuation | |||||
| P/E | 14.06 | 14.06 | 10.67 | 10.19 | 12.58 |
| P/B | 0.32 | 0.32 | 0.29 | 0.31 | 0.34 |
| Growth & Yield | |||||
| Revenue Growth | 1.4% | 1.4% | 0.5% | 31.2% | — |
| EPS Growth | -5.0% | -5.0% | -5.0% | 26.5% | — |
| Dividend Yield | 6.9% | 6.9% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
6.4%
EPS terminal req.
$17.48
Spread vs growth
-11.4%
5Y implied EPS CAGR
7.8%
EPS terminal req.
$21.15
Spread vs growth
-12.9%
10Y implied EPS CAGR
8.9%
EPS terminal req.
$34.06
Spread vs growth
-13.9%
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
+20.1%
Start / end P/E
11.4x → 13.6x
EPS bridge
15.28 → 14.51
Residual
-1.0%
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.