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About the company
Instabank ASA is a Norway-based company, which is primarily engaged in the financial services industry. The Company operates as a fully digital bank that offers loan products, savings and insurance to consumers in Norway, Sweden, Finland and Germany. The Company is a small and dynamic organization that provides customers with straightforward, digital and flexible bank solutions. Through Instabank's technology and paytech expertise, the Bank also assists companies that want to innovate their business model in light of the digital transformation. The Company distributes products and services primarily through the bank’s Website and via agents. The Company is primarily owned by Norwegian investors.
- Revenue in NOK (TTM)608.49m
- Net income in NOK95.38m
- Incorporated2016
- Employees49.00
- LocationInstabank ASADrammensveien 175OSLO 0277NorwayNOR
- Phone+47 21519300
- Websitehttps://instabank.no/
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Key Information
- Key Information
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- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Romerike Sparebank | 823.18m | 28.87m | 331.77m | 74.00 | 11.49 | 0.1545 | 2.00 | 0.7588 | 10.18 | 10.18 | 154.15 | 757.02 | -- | -- | -- | -- | 0.9881 | 0.9825 | -- | -- | -- | -- | 36.20 | 38.65 | -- | -- | -- | 30.96 | 77.03 | 31.25 | 29.36 | -14.83 | -- | 10.34 |
| Alisa Pankki Oyj | 233.18m | 3.55m | 340.33m | 78.00 | 57.35 | 0.6718 | 25.77 | 1.62 | 0.0035 | 0.0035 | 0.205 | 0.2962 | -- | -- | -- | -- | 0.1012 | 2.25 | -- | -- | -- | -- | 1.69 | 23.99 | -- | -- | -- | 89.20 | 80.81 | 41.81 | 102.89 | -54.68 | -19.45 | -- |
| Melhus Sparebank | 564.60m | 46.81m | 429.20m | 69.00 | 9.38 | 0.2904 | 2.96 | 1.23 | 16.48 | 16.48 | 119.64 | 532.39 | -- | -- | -- | -- | 1.25 | 1.07 | -- | -- | -- | -- | 38.89 | 40.15 | -- | -- | -- | 73.91 | 72.82 | 17.45 | 32.52 | 6.97 | -- | 6.79 |
| Sparebank 68 Grader Nord | 643.61m | 45.81m | 476.06m | 59.00 | 10.32 | 0.317 | 3.48 | 1.37 | 15.40 | 15.40 | 117.10 | 501.54 | -- | -- | -- | -- | 1.13 | 1.04 | -- | -- | -- | -- | 37.15 | 37.23 | -- | -- | -- | -- | 64.61 | 40.62 | 14.12 | 0.2027 | 11.39 | -- |
| Skue Sparebank | 953.54m | 59.54m | 507.27m | 80.00 | 8.85 | 0.2232 | 2.24 | 0.9879 | 27.46 | 27.46 | 232.46 | 1,088.53 | -- | -- | -- | -- | 1.29 | 1.03 | -- | -- | -- | -- | 43.02 | 38.91 | -- | -- | -- | 55.57 | 64.74 | 25.54 | 18.82 | 10.86 | 15.56 | 11.20 |
| Grong Sparebank | 536.12m | 159.16m | 558.97m | 72.00 | 3.52 | 0.4193 | 3.31 | 1.52 | 40.06 | 40.06 | 92.52 | 336.29 | -- | -- | -- | -- | 1.64 | 1.40 | -- | -- | -- | -- | 43.31 | 41.56 | -- | -- | -- | 23.83 | 81.37 | 20.83 | -6.34 | 23.91 | -- | 9.19 |
| Voss Veksel og Landmandsbank ASA | 318.22m | 79.86m | 571.71m | 21.00 | 7.12 | 0.7648 | 6.67 | 3.08 | 36.24 | 36.24 | 84.20 | 337.36 | -- | -- | -- | -- | 1.39 | 0.8956 | -- | -- | -- | -- | 45.45 | 39.57 | -- | -- | -- | 39.96 | 69.02 | 16.17 | 39.99 | 12.98 | 66.09 | 13.48 |
| Instabank ASA | 608.49m | 95.38m | 661.96m | 49.00 | 6.91 | 0.6869 | 6.13 | 1.42 | 0.2532 | 0.2532 | 1.24 | 2.55 | -- | -- | -- | -- | 1.38 | 1.49 | -- | -- | -- | -- | 20.45 | 19.76 | -- | -- | -- | -- | 43.43 | 20.46 | 22.66 | 31.10 | 12.92 | -- |
| Moens Bank A/S | -155.70bn | 137.18m | 734.92m | 90.00 | 5.36 | 0.7176 | 5.11 | -- | 44.05 | 44.05 | -- | 328.89 | -- | -- | -- | -- | 1.97 | 1.27 | -- | -- | -- | -- | -- | 25.48 | -- | -- | -- | 8.18 | 73.04 | 13.77 | 86.28 | 23.49 | -- | 14.87 |
| Lea Bank ASA | 751.48m | 102.59m | 737.95m | 48.00 | 7.16 | 0.5173 | 6.26 | 1.15 | 1.08 | 1.08 | 6.79 | 14.98 | -- | -- | -- | -- | 1.24 | 2.64 | -- | -- | -- | -- | 15.92 | 35.12 | -- | -- | -- | -- | 28.51 | 19.13 | -24.42 | 13.85 | -5.79 | -- |
| Nordfyns Bank A/S | 289.57m | 166.64m | 904.32m | 115.00 | 5.40 | 0.7907 | 4.87 | 1.78 | 65.14 | 65.14 | 198.60 | 445.18 | -- | -- | -- | -- | 2.15 | 1.23 | -- | -- | -- | -- | 33.80 | 22.90 | -- | -- | -- | 10.24 | 61.44 | 12.38 | 382.67 | 24.57 | -10.19 | -- |
| Lollands Bank A/S | 344.45m | 170.59m | 966.91m | 119.00 | 1.92 | 0.7382 | 5.50 | 1.92 | 299.85 | 299.85 | 373.48 | 778.96 | -- | -- | -- | -- | 2.20 | 1.64 | -- | -- | -- | -- | 33.95 | 30.52 | -- | -- | -- | 12.10 | 59.81 | 13.09 | 93.62 | 10.24 | -8.43 | 8.45 |
| Morrow Bank ASA | 1.50bn | 136.90m | 976.08m | 74.00 | 7.04 | 0.4206 | 5.04 | 0.8558 | 0.6039 | 0.6039 | 5.02 | 10.11 | -- | -- | -- | -- | 1.14 | 0.7385 | -- | -- | -- | -- | 13.65 | 7.75 | -- | -- | -- | 22.13 | 52.15 | 4.63 | 1,068.84 | -16.59 | -3.94 | -- |
Data as of May 16 2024. Currency figures normalised to Instabank ASA's reporting currency: Norwegian Krone NOK
0.60%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Cigogne Management SAas of 30 Jun 2023 | 2.28m | 0.60% |
Data from 30 Jun 2023 - 30 Jun 2023Source: FactSet Research Systems Inc.
