Financial Services / Banks - RegionalOslo
$439.90
+2.90 (+0.66%)
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
38/100
D
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
$6.9B
P/E
9.1x
↓EV/EBITDA
N/A
•ROE
13.3%
↑Gross Margin
N/A
•Debt/Equity
0.79
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+14.0%
FCF CAGR
+86.9%
FCF margin
74.9%
FCF / Net income
1.40x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $1.37B · net income $734.0M · FCF $1.02B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $1.37B | $1.37B | $1.29B | $1.08B | $922.2M |
| Net Income | $734.0M | $734.0M | $704.0M | $460.6M | $420.6M |
| EPS | 47.00 | 47.00 | 44.00 | 28.68 | 25.32 |
| Net Margin | 53.7% | 53.7% | 54.4% | 42.5% | 45.6% |
| Balance Sheet | |||||
| Debt/Equity | 0.79 | 0.79 | 0.92 | 1.21 | 1.34 |
| Cash Flow | |||||
| Free Cash Flow | $1.02B | $1.02B | $1.48B | $310.0M | $157.0M |
| Returns | |||||
| ROE | 13.3% | 13.3% | 13.3% | 9.7% | 9.7% |
| Valuation | |||||
| P/E | 9.15 | 9.15 | 7.45 | 10.46 | 12.88 |
| P/B | 1.24 | 1.24 | 0.99 | 1.01 | 1.25 |
| Growth & Yield | |||||
| Revenue Growth | 5.7% | 5.7% | 19.3% | 17.6% | — |
| EPS Growth | 6.8% | 6.8% | 53.4% | 13.3% | — |
| Dividend Yield | 6.0% | 6.0% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-6.0%
EPS terminal req.
$39.03
Spread vs growth
12.8%
5Y implied EPS CAGR
0.1%
EPS terminal req.
$47.23
Spread vs growth
6.7%
10Y implied EPS CAGR
4.9%
EPS terminal req.
$76.07
Spread vs growth
1.9%
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
+17.7%
Start / end P/E
8.9x → 9.4x
EPS bridge
44.00 → 47.00
Residual
+0.3%
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.