Financial Services / Banks - RegionalOslo
$112.60
+0.10 (+0.09%)
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 46.0/100
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
25/100
D
Piotroski
1/9
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
$5.6B
P/E
5.8x
↓EV/EBITDA
N/A
•ROE
11.0%
↑Gross Margin
N/A
•Debt/Equity
4.81
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+10.8%
FCF CAGR
—
FCF margin
-112.2%
FCF / Net income
-2.60x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $2.39B · net income $1.03B · FCF $-2.68B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $2.39B | $2.39B | $2.40B | $2.19B | $1.75B |
| Net Income | $1.03B | $1.03B | $1.09B | $1.05B | $777.0M |
| EPS | 19.58 | 19.58 | 20.71 | 20.44 | 15.13 |
| Net Margin | 43.1% | 43.1% | 45.2% | 48.1% | 44.3% |
| Balance Sheet | |||||
| Debt/Equity | 4.81 | 4.81 | 4.63 | 4.46 | 4.40 |
| Cash Flow | |||||
| Free Cash Flow | $-2.68B | $-2.68B | $-2.39B | $-3.08B | $-3.33B |
| Returns | |||||
| ROE | 11.0% | 11.0% | 12.0% | 12.2% | 9.6% |
| Valuation | |||||
| P/E | 5.81 | 5.81 | 4.66 | 4.11 | 5.40 |
| P/B | 0.60 | 0.60 | 0.53 | 0.48 | 0.50 |
| Growth & Yield | |||||
| Revenue Growth | -0.5% | -0.5% | 9.4% | 25.1% | — |
| EPS Growth | -5.5% | -5.5% | 1.3% | 35.1% | — |
| Dividend Yield | 6.2% | 6.2% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-20.1%
EPS terminal req.
$9.99
Spread vs growth
14.6%
5Y implied EPS CAGR
-9.2%
EPS terminal req.
$12.09
Spread vs growth
3.7%
10Y implied EPS CAGR
-0.1%
EPS terminal req.
$19.47
Spread vs growth
-5.4%
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
+20.2%
Start / end P/E
4.8x → 5.8x
EPS bridge
20.71 → 19.58
Residual
-1.1%
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.