Financial Services / Banks - RegionalOslo
$494.00
-2.00 (-0.40%)
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 43.0/100
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
34/100
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
$1.1B
P/E
13.5x
↑EV/EBITDA
N/A
•ROE
10.5%
↑Gross Margin
N/A
•Debt/Equity
1.29
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+14.4%
FCF CAGR
-52.1%
FCF margin
6.9%
FCF / Net income
0.15x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $197.5M · net income $88.6M · FCF $13.6M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $197.5M | $197.5M | $191.7M | $175.7M | $132.0M |
| Net Income | $88.6M | $88.6M | $90.3M | $77.7M | $54.2M |
| EPS | 38.20 | 38.20 | 38.91 | 33.04 | 23.60 |
| Net Margin | 44.9% | 44.9% | 47.1% | 44.2% | 41.1% |
| Balance Sheet | |||||
| Debt/Equity | 1.29 | 1.29 | 1.31 | 1.53 | 1.51 |
| Cash Flow | |||||
| Free Cash Flow | $13.6M | $13.6M | $89.5M | $172.2M | $123.9M |
| Returns | |||||
| ROE | 10.5% | 10.5% | 11.6% | 10.7% | 7.8% |
| Valuation | |||||
| P/E | 13.48 | 13.48 | 8.02 | 7.57 | 8.98 |
| P/B | 1.30 | 1.30 | 0.89 | 0.81 | 0.70 |
| Growth & Yield | |||||
| Revenue Growth | 3.0% | 3.0% | 9.1% | 33.1% | — |
| EPS Growth | -1.8% | -1.8% | 17.8% | 40.0% | — |
| Dividend Yield | 3.8% | 3.8% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
4.7%
EPS terminal req.
$43.83
Spread vs growth
-6.5%
5Y implied EPS CAGR
6.8%
EPS terminal req.
$53.04
Spread vs growth
-8.6%
10Y implied EPS CAGR
8.4%
EPS terminal req.
$85.42
Spread vs growth
-10.2%
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
+40.2%
Start / end P/E
9.3x → 12.9x
EPS bridge
38.91 → 38.20
Residual
-0.7%
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.