Financial Services / Banks - RegionalOslo
$210.00
+4.95 (+2.41%)
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 36.0/100
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
31/100
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
$626M
P/E
12.9x
↑EV/EBITDA
N/A
•ROE
8.4%
↑Gross Margin
N/A
•Debt/Equity
1.55
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+9.2%
FCF CAGR
—
FCF margin
-16.2%
FCF / Net income
-0.42x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $362.5M · net income $137.9M · FCF $-58.6M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $362.5M | $362.5M | $359.3M | $328.8M | $278.6M |
| Net Income | $137.9M | $137.9M | $141.1M | $127.7M | $109.9M |
| EPS | — | — | 16.27 | 15.25 | 13.96 |
| Net Margin | 38.0% | 38.0% | 39.3% | 38.8% | 39.4% |
| Balance Sheet | |||||
| Debt/Equity | 1.55 | 1.55 | 1.62 | 1.71 | 38.86 |
| Cash Flow | |||||
| Free Cash Flow | $-58.6M | $-58.6M | $156.2M | $80.8M | $-163.0M |
| Returns | |||||
| ROE | 8.4% | 8.4% | 9.1% | 8.7% | 186.9% |
| Valuation | |||||
| P/E | 12.90 | 12.90 | 10.26 | 10.79 | 12.75 |
| P/B | 0.38 | 0.38 | 0.32 | 0.34 | 9.06 |
| Growth & Yield | |||||
| Revenue Growth | 0.9% | 0.9% | 9.3% | 18.0% | — |
| EPS Growth | — | — | 6.7% | 9.2% | — |
| Dividend Yield | 6.6% | 6.6% | — | — | — |
Revenue, Net Income & Free Cash Flow ($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
+26.6%
Start / end P/E
n/dx → n/dx
EPS bridge
16.27 → n/d
Residual
+20.0%
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.