Financial Services / Banks - RegionalOslo
$185.00
+0.52 (+0.28%)
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 40.0/100
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
28/100
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
$1.7B
P/E
10.2x
↓EV/EBITDA
N/A
•ROE
10.9%
↑Gross Margin
N/A
•Debt/Equity
1.43
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+10.0%
FCF CAGR
—
FCF margin
24.6%
FCF / Net income
0.51x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $1.04B · net income $502.0M · FCF $257.0M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $1.04B | $1.04B | $1.02B | $894.0M | $786.0M |
| Net Income | $502.0M | $502.0M | $486.0M | $314.0M | $333.0M |
| EPS | 18.74 | 18.74 | 18.81 | 12.31 | 13.79 |
| Net Margin | 48.0% | 48.0% | 47.7% | 35.1% | 42.4% |
| Balance Sheet | |||||
| Debt/Equity | 1.43 | 1.43 | 1.58 | 1.75 | 1.90 |
| Cash Flow | |||||
| Free Cash Flow | $257.0M | $257.0M | $-424.0M | $300.0M | $-127.0M |
| Returns | |||||
| ROE | 10.9% | 10.9% | 11.7% | 8.4% | 9.3% |
| Valuation | |||||
| P/E | 10.22 | 10.22 | 7.57 | 10.24 | 8.99 |
| P/B | 0.36 | 0.36 | 0.31 | 0.30 | 0.31 |
| Growth & Yield | |||||
| Revenue Growth | 2.7% | 2.7% | 13.9% | 13.7% | — |
| EPS Growth | -0.4% | -0.4% | 52.8% | -10.7% | — |
| Dividend Yield | 5.9% | 5.9% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-4.3%
EPS terminal req.
$16.42
Spread vs growth
3.9%
5Y implied EPS CAGR
1.2%
EPS terminal req.
$19.86
Spread vs growth
-1.5%
10Y implied EPS CAGR
5.5%
EPS terminal req.
$31.99
Spread vs growth
-5.9%
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
+19.8%
Start / end P/E
8.6x → 9.9x
EPS bridge
18.81 → 18.74
Residual
-0.1%
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.