Financial Services / Banks - RegionalOslo
$327.60
+2.10 (+0.64%)
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 33.0/100
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
36/100
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
$207M
P/E
15.1x
↑EV/EBITDA
N/A
•ROE
8.6%
↑Gross Margin
N/A
•Debt/Equity
5.23
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+11.4%
FCF CAGR
+3.3%
FCF margin
67.5%
FCF / Net income
1.54x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $257.2M · net income $113.1M · FCF $173.6M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $257.2M | $257.2M | $246.6M | $231.9M | $186.0M |
| Net Income | $113.1M | $113.1M | $103.8M | $85.2M | $67.3M |
| EPS | 22.62 | 22.62 | 21.81 | 18.09 | 14.36 |
| Net Margin | 44.0% | 44.0% | 42.1% | 36.7% | 36.2% |
| Balance Sheet | |||||
| Debt/Equity | 5.23 | 5.23 | 5.80 | 5.91 | 5.59 |
| Cash Flow | |||||
| Free Cash Flow | $173.6M | $173.6M | $99.6M | $73.6M | $157.3M |
| Returns | |||||
| ROE | 8.6% | 8.6% | 8.8% | 7.8% | 6.3% |
| Valuation | |||||
| P/E | 15.06 | 15.06 | 11.37 | 8.96 | 9.96 |
| P/B | 0.16 | 0.16 | 0.13 | 0.09 | 0.08 |
| Growth & Yield | |||||
| Revenue Growth | 4.3% | 4.3% | 6.4% | 24.7% | — |
| EPS Growth | 3.7% | 3.7% | 20.6% | 26.0% | — |
| Dividend Yield | 6.7% | 6.7% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
8.7%
EPS terminal req.
$29.07
Spread vs growth
-5.0%
5Y implied EPS CAGR
9.2%
EPS terminal req.
$35.17
Spread vs growth
-5.5%
10Y implied EPS CAGR
9.6%
EPS terminal req.
$56.65
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
+25.0%
Start / end P/E
12.8x → 14.6x
EPS bridge
21.81 → 22.62
Residual
+0.5%
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.