Financial Services / Banks - RegionalOslo
$146.00
-0.02 (-0.01%)
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 39.0/100
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
24/100
D
Piotroski
2/9
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
$3.4B
P/E
12.8x
↑EV/EBITDA
N/A
•ROE
10.5%
↑Gross Margin
N/A
•Debt/Equity
4.48
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+16.9%
FCF CAGR
—
FCF margin
-158.8%
FCF / Net income
-3.41x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $1.03B · net income $479.5M · FCF $-1.63B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $1.03B | $1.03B | $894.9M | $769.7M | $644.6M |
| Net Income | $479.5M | $479.5M | $457.6M | $329.9M | $266.2M |
| EPS | — | — | 12.70 | 10.00 | 8.10 |
| Net Margin | 46.6% | 46.6% | 51.1% | 42.9% | 41.3% |
| Balance Sheet | |||||
| Debt/Equity | 4.48 | 4.48 | 4.14 | 4.39 | 4.46 |
| Cash Flow | |||||
| Free Cash Flow | $-1.63B | $-1.63B | $-445.3M | $-139.8M | $-1.35B |
| Returns | |||||
| ROE | 10.5% | 10.5% | 10.7% | 9.1% | 7.8% |
| Valuation | |||||
| P/E | 12.81 | 12.81 | 9.76 | — | — |
| P/B | 0.74 | 0.74 | 0.63 | — | — |
| Growth & Yield | |||||
| Revenue Growth | 14.9% | 14.9% | 16.3% | 19.4% | — |
| EPS Growth | — | — | 27.0% | 23.5% | — |
| Dividend Yield | 8.0% | 8.0% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
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
+13.1%
Start / end P/E
n/dx → n/dx
EPS bridge
12.70 → n/d
Residual
+5.1%
EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.
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.