Financial Services / Banks - RegionalOslo
$72.30
-1.40 (-1.90%)
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
23/100
D
Piotroski
5/9
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
$1.5B
P/E
9.0x
↓EV/EBITDA
N/A
•ROE
9.8%
↑Gross Margin
N/A
•Debt/Equity
4.63
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+10.8%
FCF CAGR
-66.2%
FCF margin
10.1%
FCF / Net income
0.19x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $950.1M · net income $494.3M · FCF $95.9M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $950.1M | $950.1M | $1.04B | $916.7M | $698.4M |
| Net Income | $494.3M | $494.3M | $492.9M | $411.3M | $277.7M |
| EPS | 6.82 | 6.82 | 6.80 | 5.67 | 3.83 |
| Net Margin | 52.0% | 52.0% | 47.4% | 44.9% | 39.8% |
| Balance Sheet | |||||
| Debt/Equity | 4.63 | 4.63 | 4.75 | 4.81 | 4.74 |
| Cash Flow | |||||
| Free Cash Flow | $95.9M | $95.9M | $614.2M | $-663.0M | $2.49B |
| Returns | |||||
| ROE | 9.8% | 9.8% | 9.8% | 8.4% | 5.8% |
| Valuation | |||||
| P/E | 9.05 | 9.05 | 10.37 | 9.14 | 12.48 |
| P/B | 0.30 | 0.30 | 0.29 | 0.22 | 0.21 |
| Growth & Yield | |||||
| Revenue Growth | -8.6% | -8.6% | 13.4% | 31.3% | — |
| EPS Growth | 0.3% | 0.3% | 19.9% | 48.0% | — |
| Dividend Yield | 9.4% | 9.4% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
-2.0%
EPS terminal req.
$6.42
Spread vs growth
2.3%
5Y implied EPS CAGR
2.6%
EPS terminal req.
$7.76
Spread vs growth
-2.3%
10Y implied EPS CAGR
6.2%
EPS terminal req.
$12.50
Spread vs growth
-6.0%
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
+8.8%
Start / end P/E
10.7x → 10.6x
EPS bridge
6.80 → 6.82
Residual
-0.0%
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.