View Future GrowthInstabank 過去の業績過去 基準チェック /56Instabankは、平均年間11.1%の収益成長を遂げていますが、 Banks業界の収益は、年間 成長しています。収益は、平均年間14.8% 14.2%収益成長率で 成長しています。 Instabankの自己資本利益率は9.4%であり、純利益率は30.2%です。主要情報11.08%収益成長率6.74%EPS成長率Banks 業界の成長10.63%収益成長率14.19%株主資本利益率9.35%ネット・マージン30.20%次回の業績アップデート14 Aug 2026最近の業績更新お知らせ • Nov 28+ 4 more updatesInstabank ASA to Report Q4, 2026 Results on Feb 12, 2027Instabank ASA announced that they will report Q4, 2026 results on Feb 12, 2027お知らせ • Jan 16Instabank ASA to Report Fiscal Year 2025 Final Results on Mar 12, 2026Instabank ASA announced that they will report fiscal year 2025 final results on Mar 12, 2026お知らせ • Dec 13+ 4 more updatesInstabank ASA to Report Fiscal Year 2024 Results on Mar 13, 2025Instabank ASA announced that they will report fiscal year 2024 results on Mar 13, 2025Reported Earnings • Nov 03Third quarter 2024 earnings released: EPS: kr0.07 (vs kr0.07 in 3Q 2023)Third quarter 2024 results: EPS: kr0.07 (in line with 3Q 2023). Revenue: kr88.5m (up 12% from 3Q 2023). Net income: kr26.4m (down 6.2% from 3Q 2023). Profit margin: 30% (down from 36% in 3Q 2023). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 20% p.a. on average during the next 3 years, compared to a 3.0% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 3% per year but the company’s share price has fallen by 15% per year, which means it is significantly lagging earnings.Reported Earnings • Aug 18Second quarter 2024 earnings released: EPS: kr0.07 (vs kr0.05 in 2Q 2023)Second quarter 2024 results: EPS: kr0.07 (up from kr0.05 in 2Q 2023). Revenue: kr81.9m (up 17% from 2Q 2023). Net income: kr27.0m (up 13% from 2Q 2023). Profit margin: 33% (down from 34% in 2Q 2023). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 19% p.a. on average during the next 3 years, compared to a 3.0% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 7% per year but the company’s share price has fallen by 12% per year, which means it is significantly lagging earnings.Reported Earnings • May 01First quarter 2024 earnings released: EPS: kr0.05 (vs kr0.07 in 1Q 2023)First quarter 2024 results: EPS: kr0.05 (down from kr0.07 in 1Q 2023). Revenue: kr70.2m (flat on 1Q 2023). Net income: kr18.2m (down 23% from 1Q 2023). Profit margin: 26% (down from 34% in 1Q 2023). Revenue is forecast to grow 29% p.a. on average during the next 2 years, compared to a 3.3% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 12% per year but the company’s share price has fallen by 15% per year, which means it is significantly lagging earnings.すべての更新を表示Recent updatesBoard Change • May 20No independent directorsFollowing the recent departure of a director, there are no independent directors on the board. The company's board is composed of: No independent directors. 7 non-independent directors. Deputy Employee Representative Janne Perlestenbakken was the last director to join the board, commencing their role in 2026. The company's lack of independent directors is a risk according to the Simply Wall St Risk Model.お知らせ • Mar 14Instabank ASA announces Annual dividend, payable on April 20, 2026Instabank ASA announced Annual dividend of NOK 0.0900 per share payable on April 20, 2026, ex-date on April 10, 2026 and record date on April 13, 2026.Buy Or Sell Opportunity • Jan 02Now 21% undervaluedOver the last 90 days, the stock has risen 8.8% to €0.26. The fair value is estimated to be €0.33, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 14% over the last 3 years, while earnings per share has been flat. Revenue is forecast to grow by 149% in 2 years. Earnings are forecast to grow by 106% in the next 2 years.Board Change • Dec 30No independent directorsFollowing the recent departure of a director, there are no independent directors on the board. The company's board is composed of: No independent directors. 6 non-independent directors. Director Gunn Westerlund Ingemundsen was the last director to join the board, commencing their role in 2023. The company's lack of independent directors is a risk according to the Simply Wall St Risk Model.お知らせ • Dec 01Instabank ASA, Annual General Meeting, Apr 08, 2027Instabank ASA, Annual General Meeting, Apr 08, 2027.お知らせ • Nov 28+ 4 more updatesInstabank ASA to Report Q4, 2026 Results on Feb 12, 2027Instabank ASA announced that they will report Q4, 2026 results on Feb 12, 2027お知らせ • Nov 25Instabank ASA has completed a Follow-on Equity Offering in the amount of NOK 29 million.Instabank ASA has completed a Follow-on Equity Offering in the amount of NOK 29 million. Security Name: Shares Security Type: Common Stock Securities Offered: 10,000,000 Price\Range: NOK 2.9 Transaction Features: Rights Offeringお知らせ • Mar 14Instabank ASA announces Annual dividend, payable on April 24, 2025Instabank ASA announced Annual dividend of NOK 0.0800 per share payable on April 24, 2025, ex-date on April 11, 2025 and record date on April 14, 2025.お知らせ • Jan 17+ 1 more updateInstabank ASA, Annual General Meeting, Apr 10, 2025Instabank ASA, Annual General Meeting, Apr 10, 2025.お知らせ • Jan 16Instabank ASA to Report Fiscal Year 2025 Final Results on Mar 12, 2026Instabank ASA announced that they will report fiscal year 2025 final results on Mar 12, 2026お知らせ • Dec 13+ 4 more updatesInstabank ASA to Report Fiscal Year 2024 Results on Mar 13, 2025Instabank ASA announced that they will report fiscal year 2024 results on Mar 13, 2025Reported Earnings • Nov 03Third quarter 2024 earnings released: EPS: kr0.07 (vs kr0.07 in 3Q 2023)Third quarter 2024 results: EPS: kr0.07 (in line with 3Q 2023). Revenue: kr88.5m (up 12% from 3Q 2023). Net income: kr26.4m (down 6.2% from 3Q 2023). Profit margin: 30% (down from 36% in 3Q 2023). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 20% p.a. on average during the next 3 years, compared to a 3.0% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 3% per year but the company’s share price has fallen by 15% per year, which means it is significantly lagging earnings.Reported Earnings • Aug 18Second quarter 2024 earnings released: EPS: kr0.07 (vs kr0.05 in 2Q 2023)Second quarter 2024 results: EPS: kr0.07 (up from kr0.05 in 2Q 2023). Revenue: kr81.9m (up 17% from 2Q 2023). Net income: kr27.0m (up 13% from 2Q 2023). Profit margin: 33% (down from 34% in 2Q 2023). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 19% p.a. on average during the next 3 years, compared to a 3.0% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 7% per year but the company’s share price has fallen by 12% per year, which means it is significantly lagging earnings.New Risk • Jul 24New major risk - Share price stabilityThe company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of German stocks, typically moving 10% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. Currently, the following risks have been identified for the company: Major Risk Share price has been highly volatile over the past 3 months (10% average weekly change). Minor Risk Market cap is less than US$100m (€59.4m market cap, or US$64.4m).Reported Earnings • May 01First quarter 2024 earnings released: EPS: kr0.05 (vs kr0.07 in 1Q 2023)First quarter 2024 results: EPS: kr0.05 (down from kr0.07 in 1Q 2023). Revenue: kr70.2m (flat on 1Q 2023). Net income: kr18.2m (down 23% from 1Q 2023). Profit margin: 26% (down from 34% in 1Q 2023). Revenue is forecast to grow 29% p.a. on average during the next 2 years, compared to a 3.3% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 12% per year but the company’s share price has fallen by 15% per year, which means it is significantly lagging earnings.Reported Earnings • Mar 20Full year 2023 earnings released: EPS: kr0.27 (vs kr0.25 in FY 2022)Full year 2023 results: EPS: kr0.27 (up from kr0.25 in FY 2022). Revenue: kr297.3m (up 16% from FY 2022). Net income: kr100.9m (up 23% from FY 2022). Profit margin: 34% (up from 32% in FY 2022). The increase in margin was driven by higher revenue. Revenue is forecast to grow 26% p.a. on average during the next 2 years, compared to a 3.2% growth forecast for the Banks industry in Europe.Reported Earnings • Feb 11Full year 2023 earnings released: EPS: kr0.27 (vs kr0.25 in FY 2022)Full year 2023 results: EPS: kr0.27 (up from kr0.25 in FY 2022). Revenue: kr297.3m (up 16% from FY 2022). Net income: kr100.9m (up 23% from FY 2022). Profit margin: 34% (up from 32% in FY 2022). The increase in margin was driven by higher revenue. Revenue is forecast to grow 26% p.a. on average during the next 2 years, compared to a 2.5% growth forecast for the Banks industry in Europe.お知らせ • Dec 09+ 5 more updatesInstabank ASA to Report Q4, 2024 Results on Feb 06, 2025Instabank ASA announced that they will report Q4, 2024 results on Feb 06, 2025Reported Earnings • Nov 07Third quarter 2023 earnings released: EPS: kr0.07 (vs kr0.055 in 3Q 2022)Third quarter 2023 results: EPS: kr0.07 (up from kr0.055 in 3Q 2022). Revenue: kr79.1m (up 26% from 3Q 2022). Net income: kr28.2m (up 53% from 3Q 2022). Profit margin: 36% (up from 29% in 3Q 2022). The increase in margin was driven by higher revenue. Revenue is forecast to grow 16% p.a. on average during the next 3 years, compared to a 2.4% growth forecast for the Banks industry in Europe.Reported Earnings • Aug 16Second quarter 2023 earnings released: EPS: kr0.072 (vs kr0.056 in 2Q 2022)Second quarter 2023 results: EPS: kr0.072 (up from kr0.056 in 2Q 2022). Revenue: kr69.8m (up 9.2% from 2Q 2022). Net income: kr23.8m (up 34% from 2Q 2022). Profit margin: 34% (up from 28% in 2Q 2022). Revenue is forecast to grow 18% p.a. on average during the next 3 years, compared to a 3.6% growth forecast for the Banks industry in Europe.Reported Earnings • Apr 30First quarter 2023 earnings releasedFirst quarter 2023 results: Revenue: kr69.9m (up 7.7% from 1Q 2022). Net income: kr23.7m (up 15% from 1Q 2022). Profit margin: 34% (up from 32% in 1Q 2022). The increase in margin was driven by higher revenue. Revenue is forecast to grow 18% p.a. on average during the next 3 years, compared to a 4.8% growth forecast for the Banks industry in Europe.お知らせ • Feb 18+ 5 more updatesInstabank ASA to Report First Half, 2023 Results on Aug 10, 2023Instabank ASA announced that they will report first half, 2023 results on Aug 10, 2023Reported Earnings • Feb 09Full year 2022 earnings released: EPS: kr0.25 (vs kr0.25 in FY 2021)Full year 2022 results: EPS: kr0.25 (down from kr0.25 in FY 2021). Revenue: kr257.4m (up 7.6% from FY 2021). Net income: kr82.2m (down 1.5% from FY 2021). Profit margin: 32% (down from 35% in FY 2021). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 22% p.a. on average during the next 2 years, compared to a 5.9% growth forecast for the Banks industry in Europe.Board Change • Dec 30No independent directorsFollowing the recent departure of a director, there are no independent directors on the board. The company's board is composed of: No independent directors. 6 non-independent directors. Chief Technology Officer & Employee Representative Director Farzad Jalily was the last director to join the board, commencing their role in 2022. The company's lack of independent directors is a risk according to the Simply Wall St Risk Model.Reported Earnings • Aug 14Second quarter 2022 earnings released: EPS: kr0.12 (vs kr0.06 in 2Q 2021)Second quarter 2022 results: EPS: kr0.12. Revenue: kr63.9m (up 12% from 2Q 2021). Net income: kr17.8m (down 8.9% from 2Q 2021). Profit margin: 28% (down from 34% in 2Q 2021). The decrease in margin was driven by higher expenses.Buying Opportunity • Jul 09Now 30% undervalued after recent price dropOver the last 90 days, the stock is down 47%. The fair value is estimated to be €0.29, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 17% over the last 3 years. Earnings per share has grown by 38%.Reported Earnings • May 07First quarter 2022 earnings released: EPS: kr0.06 (vs kr0.04 in 1Q 2021)First quarter 2022 results: EPS: kr0.06 (up from kr0.04 in 1Q 2021). Revenue: kr64.9m (up 29% from 1Q 2021). Net income: kr20.6m (up 47% from 1Q 2021). Profit margin: 32% (up from 28% in 1Q 2021). The increase in margin was driven by higher revenue. Over the next year, revenue is forecast to grow 58%, compared to a 11% growth forecast for the industry in Germany.Board Change • Apr 27No independent directorsFollowing the recent departure of a director, there are no independent directors on the board. The company's board is composed of: No independent directors. 6 non-independent directors. Chief Technology Officer & Employee Representative Director Frazad Jalily was the last director to join the board, commencing their role in 2022. The company's lack of independent directors is a risk according to the Simply Wall St Risk Model.お知らせ • Mar 29Lunar Bank A/S agreed to acquire an unknown minority stake in Instabank ASA (OB:INSTA) for NOK 1.3 billion.Lunar Bank A/S agreed to acquire an unknown minority stake in Instabank ASA (OB:INSTA) for NOK 1.3 billion on March 28, 2022. The consideration offered is NOK 3.75 per share. The offer period will commence on March 28, 2022 and expire on April 11, 2022. The transaction is subject to regulatory approvals. Barring any unforeseen circumstances, it is expected that the Offer will be completed in the second quarter of 2022. Pareto AS acted as financial advisor to Instabank ASA and Advokatfirmaet Thommessen AS acted as legal advisor to Instabank ASA. ABG Sundal Collier Norge ASA acted as financial advisor to Lunar Bank A/S and Advokatfirmaet Schjødt As acted as legal advisor to Lunar Bank A/S.Reported Earnings • Feb 11Full year 2021 earnings: EPS in line with analyst expectations despite revenue beatFull year 2021 results: EPS: kr0.25 (up from kr0.13 in FY 2020). Revenue: kr240.2m (up 41% from FY 2020). Net income: kr83.5m (up 96% from FY 2020). Profit margin: 35% (up from 25% in FY 2020). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 3.9%. Over the next year, revenue is forecast to grow 55%, compared to a 12% growth forecast for the banks industry in Germany.Buying Opportunity • Jan 14Now 41% undervalued after recent price dropOver the last 90 days, the stock is down 34%. The fair value is estimated to be kr0.24, however is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 14% per annum over the last 3 years. Earnings per share has grown by 30% per annum over the last 3 years.お知らせ • Dec 01An unknown buyer entered into an agreement to acquire Non-performing loans (NPL) portfolio of Instabank ASA from Instabank ASA (OB:INSTA).An unknown buyer entered into an agreement to acquire Non-performing loans (NPL) portfolio of Instabank ASA from Instabank ASA (OB:INSTA) on November 30, 2020. As a result of the transaction, Instabank’s total NPL ratio will drop from 7.1 % to 6.3 %, based on the situation at the end of the third quarter of 2021. The transaction will be finalized in December 2021 and is expected to have a positive earnings impact in Q4 2021.Recent Insider Transactions • Sep 10Chief Marketing Officer recently bought €126k worth of stockOn the 7th of September, Jørgen Rui bought around 634k shares on-market at roughly €0.20 per share. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought €266k more in shares than they have sold in the last 12 months.お知らせ • Jun 17Instabank ASA (OB:INSTA) agreed to acquire Portfolio Of Unsecured Loans of Optin Bank ASA from Optin Bank ASA for NOK 40.5 million.Instabank ASA (OB:INSTA) agreed to acquire Portfolio Of Unsecured Loans of Optin Bank ASA from Optin Bank ASA for NOK 40.5 million on June 16, 2021. The purchase price is based on 85% of the principal value of the loans which is NOK 47.7 million. The transaction will be completed within end of June 2021.収支内訳Instabank の稼ぎ方とお金の使い方。LTMベースの直近の報告された収益に基づく。収益と収入の歴史DB:93V 収益、費用、利益 ( )NOK Millions日付収益収益G+A経費研究開発費31 Mar 26438132259031 Dec 25413123247030 Sep 25387102240030 Jun 2536998229031 Mar 25358103211031 Dec 2433598196030 Sep 2431997181030 Jun 2431098171031 Mar 2429895165031 Dec 23297101158030 Sep 23285101149030 Jun 2326891144031 Mar 2326285145031 Dec 2225782146030 Sep 2225782135030 Jun 2226088131031 Mar 2225490123031 Dec 2123983115030 Sep 2122472124030 Jun 2120661121031 Mar 2118751115031 Dec 2017043110030 Sep 2016543103030 Jun 2016444103031 Mar 2016343109031 Dec 1917141113030 Sep 1916235113030 Jun 1915528114031 Mar 1915325109031 Dec 1814226105030 Sep 181302099030 Jun 181131589031 Mar 1898982031 Dec 1779273030 Sep 1757-869030 Jun 1734-1758031 Mar 1714-2043031 Dec 162-17290質の高い収益: 93Vは 高品質の収益 を持っています。利益率の向上: 93Vの現在の純利益率 (30.2%)は、昨年(28.8%)よりも高くなっています。フリー・キャッシュフローと収益の比較過去の収益成長分析収益動向: 93Vの収益は過去 5 年間で年間11.1%増加しました。成長の加速: 93Vの過去 1 年間の収益成長率 ( 28.5% ) は、5 年間の平均 ( 年間11.1%を上回っています。収益対業界: 93Vの過去 1 年間の収益成長率 ( 28.5% ) はBanks業界0.3%を上回りました。株主資本利益率高いROE: 93Vの 自己資本利益率 ( 9.4% ) は 低い とみなされます。総資産利益率使用総資本利益率過去の好業績企業の発掘7D1Y7D1Y7D1YBanks 、過去の業績が好調な企業。View Financial Health企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/05/22 15:04終値2026/05/22 00:00収益2026/03/31年間収益2025/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレーク本レポートを生成するために使用した分析モデルの詳細は当社のGithubページでご覧いただけます。また、レポートの使用方法に関するガイドやYoutubeのチュートリアルも掲載しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋Instabank ASA 1 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。1 アナリスト機関Herman ZahlPareto Securities
お知らせ • Nov 28+ 4 more updatesInstabank ASA to Report Q4, 2026 Results on Feb 12, 2027Instabank ASA announced that they will report Q4, 2026 results on Feb 12, 2027
お知らせ • Jan 16Instabank ASA to Report Fiscal Year 2025 Final Results on Mar 12, 2026Instabank ASA announced that they will report fiscal year 2025 final results on Mar 12, 2026
お知らせ • Dec 13+ 4 more updatesInstabank ASA to Report Fiscal Year 2024 Results on Mar 13, 2025Instabank ASA announced that they will report fiscal year 2024 results on Mar 13, 2025
Reported Earnings • Nov 03Third quarter 2024 earnings released: EPS: kr0.07 (vs kr0.07 in 3Q 2023)Third quarter 2024 results: EPS: kr0.07 (in line with 3Q 2023). Revenue: kr88.5m (up 12% from 3Q 2023). Net income: kr26.4m (down 6.2% from 3Q 2023). Profit margin: 30% (down from 36% in 3Q 2023). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 20% p.a. on average during the next 3 years, compared to a 3.0% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 3% per year but the company’s share price has fallen by 15% per year, which means it is significantly lagging earnings.
Reported Earnings • Aug 18Second quarter 2024 earnings released: EPS: kr0.07 (vs kr0.05 in 2Q 2023)Second quarter 2024 results: EPS: kr0.07 (up from kr0.05 in 2Q 2023). Revenue: kr81.9m (up 17% from 2Q 2023). Net income: kr27.0m (up 13% from 2Q 2023). Profit margin: 33% (down from 34% in 2Q 2023). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 19% p.a. on average during the next 3 years, compared to a 3.0% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 7% per year but the company’s share price has fallen by 12% per year, which means it is significantly lagging earnings.
Reported Earnings • May 01First quarter 2024 earnings released: EPS: kr0.05 (vs kr0.07 in 1Q 2023)First quarter 2024 results: EPS: kr0.05 (down from kr0.07 in 1Q 2023). Revenue: kr70.2m (flat on 1Q 2023). Net income: kr18.2m (down 23% from 1Q 2023). Profit margin: 26% (down from 34% in 1Q 2023). Revenue is forecast to grow 29% p.a. on average during the next 2 years, compared to a 3.3% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 12% per year but the company’s share price has fallen by 15% per year, which means it is significantly lagging earnings.
Board Change • May 20No independent directorsFollowing the recent departure of a director, there are no independent directors on the board. The company's board is composed of: No independent directors. 7 non-independent directors. Deputy Employee Representative Janne Perlestenbakken was the last director to join the board, commencing their role in 2026. The company's lack of independent directors is a risk according to the Simply Wall St Risk Model.
お知らせ • Mar 14Instabank ASA announces Annual dividend, payable on April 20, 2026Instabank ASA announced Annual dividend of NOK 0.0900 per share payable on April 20, 2026, ex-date on April 10, 2026 and record date on April 13, 2026.
Buy Or Sell Opportunity • Jan 02Now 21% undervaluedOver the last 90 days, the stock has risen 8.8% to €0.26. The fair value is estimated to be €0.33, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 14% over the last 3 years, while earnings per share has been flat. Revenue is forecast to grow by 149% in 2 years. Earnings are forecast to grow by 106% in the next 2 years.
Board Change • Dec 30No independent directorsFollowing the recent departure of a director, there are no independent directors on the board. The company's board is composed of: No independent directors. 6 non-independent directors. Director Gunn Westerlund Ingemundsen was the last director to join the board, commencing their role in 2023. The company's lack of independent directors is a risk according to the Simply Wall St Risk Model.
お知らせ • Dec 01Instabank ASA, Annual General Meeting, Apr 08, 2027Instabank ASA, Annual General Meeting, Apr 08, 2027.
お知らせ • Nov 28+ 4 more updatesInstabank ASA to Report Q4, 2026 Results on Feb 12, 2027Instabank ASA announced that they will report Q4, 2026 results on Feb 12, 2027
お知らせ • Nov 25Instabank ASA has completed a Follow-on Equity Offering in the amount of NOK 29 million.Instabank ASA has completed a Follow-on Equity Offering in the amount of NOK 29 million. Security Name: Shares Security Type: Common Stock Securities Offered: 10,000,000 Price\Range: NOK 2.9 Transaction Features: Rights Offering
お知らせ • Mar 14Instabank ASA announces Annual dividend, payable on April 24, 2025Instabank ASA announced Annual dividend of NOK 0.0800 per share payable on April 24, 2025, ex-date on April 11, 2025 and record date on April 14, 2025.
お知らせ • Jan 17+ 1 more updateInstabank ASA, Annual General Meeting, Apr 10, 2025Instabank ASA, Annual General Meeting, Apr 10, 2025.
お知らせ • Jan 16Instabank ASA to Report Fiscal Year 2025 Final Results on Mar 12, 2026Instabank ASA announced that they will report fiscal year 2025 final results on Mar 12, 2026
お知らせ • Dec 13+ 4 more updatesInstabank ASA to Report Fiscal Year 2024 Results on Mar 13, 2025Instabank ASA announced that they will report fiscal year 2024 results on Mar 13, 2025
Reported Earnings • Nov 03Third quarter 2024 earnings released: EPS: kr0.07 (vs kr0.07 in 3Q 2023)Third quarter 2024 results: EPS: kr0.07 (in line with 3Q 2023). Revenue: kr88.5m (up 12% from 3Q 2023). Net income: kr26.4m (down 6.2% from 3Q 2023). Profit margin: 30% (down from 36% in 3Q 2023). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 20% p.a. on average during the next 3 years, compared to a 3.0% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 3% per year but the company’s share price has fallen by 15% per year, which means it is significantly lagging earnings.
Reported Earnings • Aug 18Second quarter 2024 earnings released: EPS: kr0.07 (vs kr0.05 in 2Q 2023)Second quarter 2024 results: EPS: kr0.07 (up from kr0.05 in 2Q 2023). Revenue: kr81.9m (up 17% from 2Q 2023). Net income: kr27.0m (up 13% from 2Q 2023). Profit margin: 33% (down from 34% in 2Q 2023). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 19% p.a. on average during the next 3 years, compared to a 3.0% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 7% per year but the company’s share price has fallen by 12% per year, which means it is significantly lagging earnings.
New Risk • Jul 24New major risk - Share price stabilityThe company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of German stocks, typically moving 10% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. Currently, the following risks have been identified for the company: Major Risk Share price has been highly volatile over the past 3 months (10% average weekly change). Minor Risk Market cap is less than US$100m (€59.4m market cap, or US$64.4m).
Reported Earnings • May 01First quarter 2024 earnings released: EPS: kr0.05 (vs kr0.07 in 1Q 2023)First quarter 2024 results: EPS: kr0.05 (down from kr0.07 in 1Q 2023). Revenue: kr70.2m (flat on 1Q 2023). Net income: kr18.2m (down 23% from 1Q 2023). Profit margin: 26% (down from 34% in 1Q 2023). Revenue is forecast to grow 29% p.a. on average during the next 2 years, compared to a 3.3% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 12% per year but the company’s share price has fallen by 15% per year, which means it is significantly lagging earnings.
Reported Earnings • Mar 20Full year 2023 earnings released: EPS: kr0.27 (vs kr0.25 in FY 2022)Full year 2023 results: EPS: kr0.27 (up from kr0.25 in FY 2022). Revenue: kr297.3m (up 16% from FY 2022). Net income: kr100.9m (up 23% from FY 2022). Profit margin: 34% (up from 32% in FY 2022). The increase in margin was driven by higher revenue. Revenue is forecast to grow 26% p.a. on average during the next 2 years, compared to a 3.2% growth forecast for the Banks industry in Europe.
Reported Earnings • Feb 11Full year 2023 earnings released: EPS: kr0.27 (vs kr0.25 in FY 2022)Full year 2023 results: EPS: kr0.27 (up from kr0.25 in FY 2022). Revenue: kr297.3m (up 16% from FY 2022). Net income: kr100.9m (up 23% from FY 2022). Profit margin: 34% (up from 32% in FY 2022). The increase in margin was driven by higher revenue. Revenue is forecast to grow 26% p.a. on average during the next 2 years, compared to a 2.5% growth forecast for the Banks industry in Europe.
お知らせ • Dec 09+ 5 more updatesInstabank ASA to Report Q4, 2024 Results on Feb 06, 2025Instabank ASA announced that they will report Q4, 2024 results on Feb 06, 2025
Reported Earnings • Nov 07Third quarter 2023 earnings released: EPS: kr0.07 (vs kr0.055 in 3Q 2022)Third quarter 2023 results: EPS: kr0.07 (up from kr0.055 in 3Q 2022). Revenue: kr79.1m (up 26% from 3Q 2022). Net income: kr28.2m (up 53% from 3Q 2022). Profit margin: 36% (up from 29% in 3Q 2022). The increase in margin was driven by higher revenue. Revenue is forecast to grow 16% p.a. on average during the next 3 years, compared to a 2.4% growth forecast for the Banks industry in Europe.
Reported Earnings • Aug 16Second quarter 2023 earnings released: EPS: kr0.072 (vs kr0.056 in 2Q 2022)Second quarter 2023 results: EPS: kr0.072 (up from kr0.056 in 2Q 2022). Revenue: kr69.8m (up 9.2% from 2Q 2022). Net income: kr23.8m (up 34% from 2Q 2022). Profit margin: 34% (up from 28% in 2Q 2022). Revenue is forecast to grow 18% p.a. on average during the next 3 years, compared to a 3.6% growth forecast for the Banks industry in Europe.
Reported Earnings • Apr 30First quarter 2023 earnings releasedFirst quarter 2023 results: Revenue: kr69.9m (up 7.7% from 1Q 2022). Net income: kr23.7m (up 15% from 1Q 2022). Profit margin: 34% (up from 32% in 1Q 2022). The increase in margin was driven by higher revenue. Revenue is forecast to grow 18% p.a. on average during the next 3 years, compared to a 4.8% growth forecast for the Banks industry in Europe.
お知らせ • Feb 18+ 5 more updatesInstabank ASA to Report First Half, 2023 Results on Aug 10, 2023Instabank ASA announced that they will report first half, 2023 results on Aug 10, 2023
Reported Earnings • Feb 09Full year 2022 earnings released: EPS: kr0.25 (vs kr0.25 in FY 2021)Full year 2022 results: EPS: kr0.25 (down from kr0.25 in FY 2021). Revenue: kr257.4m (up 7.6% from FY 2021). Net income: kr82.2m (down 1.5% from FY 2021). Profit margin: 32% (down from 35% in FY 2021). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 22% p.a. on average during the next 2 years, compared to a 5.9% growth forecast for the Banks industry in Europe.
Board Change • Dec 30No independent directorsFollowing the recent departure of a director, there are no independent directors on the board. The company's board is composed of: No independent directors. 6 non-independent directors. Chief Technology Officer & Employee Representative Director Farzad Jalily was the last director to join the board, commencing their role in 2022. The company's lack of independent directors is a risk according to the Simply Wall St Risk Model.
Reported Earnings • Aug 14Second quarter 2022 earnings released: EPS: kr0.12 (vs kr0.06 in 2Q 2021)Second quarter 2022 results: EPS: kr0.12. Revenue: kr63.9m (up 12% from 2Q 2021). Net income: kr17.8m (down 8.9% from 2Q 2021). Profit margin: 28% (down from 34% in 2Q 2021). The decrease in margin was driven by higher expenses.
Buying Opportunity • Jul 09Now 30% undervalued after recent price dropOver the last 90 days, the stock is down 47%. The fair value is estimated to be €0.29, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 17% over the last 3 years. Earnings per share has grown by 38%.
Reported Earnings • May 07First quarter 2022 earnings released: EPS: kr0.06 (vs kr0.04 in 1Q 2021)First quarter 2022 results: EPS: kr0.06 (up from kr0.04 in 1Q 2021). Revenue: kr64.9m (up 29% from 1Q 2021). Net income: kr20.6m (up 47% from 1Q 2021). Profit margin: 32% (up from 28% in 1Q 2021). The increase in margin was driven by higher revenue. Over the next year, revenue is forecast to grow 58%, compared to a 11% growth forecast for the industry in Germany.
Board Change • Apr 27No independent directorsFollowing the recent departure of a director, there are no independent directors on the board. The company's board is composed of: No independent directors. 6 non-independent directors. Chief Technology Officer & Employee Representative Director Frazad Jalily was the last director to join the board, commencing their role in 2022. The company's lack of independent directors is a risk according to the Simply Wall St Risk Model.
お知らせ • Mar 29Lunar Bank A/S agreed to acquire an unknown minority stake in Instabank ASA (OB:INSTA) for NOK 1.3 billion.Lunar Bank A/S agreed to acquire an unknown minority stake in Instabank ASA (OB:INSTA) for NOK 1.3 billion on March 28, 2022. The consideration offered is NOK 3.75 per share. The offer period will commence on March 28, 2022 and expire on April 11, 2022. The transaction is subject to regulatory approvals. Barring any unforeseen circumstances, it is expected that the Offer will be completed in the second quarter of 2022. Pareto AS acted as financial advisor to Instabank ASA and Advokatfirmaet Thommessen AS acted as legal advisor to Instabank ASA. ABG Sundal Collier Norge ASA acted as financial advisor to Lunar Bank A/S and Advokatfirmaet Schjødt As acted as legal advisor to Lunar Bank A/S.
Reported Earnings • Feb 11Full year 2021 earnings: EPS in line with analyst expectations despite revenue beatFull year 2021 results: EPS: kr0.25 (up from kr0.13 in FY 2020). Revenue: kr240.2m (up 41% from FY 2020). Net income: kr83.5m (up 96% from FY 2020). Profit margin: 35% (up from 25% in FY 2020). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 3.9%. Over the next year, revenue is forecast to grow 55%, compared to a 12% growth forecast for the banks industry in Germany.
Buying Opportunity • Jan 14Now 41% undervalued after recent price dropOver the last 90 days, the stock is down 34%. The fair value is estimated to be kr0.24, however is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 14% per annum over the last 3 years. Earnings per share has grown by 30% per annum over the last 3 years.
お知らせ • Dec 01An unknown buyer entered into an agreement to acquire Non-performing loans (NPL) portfolio of Instabank ASA from Instabank ASA (OB:INSTA).An unknown buyer entered into an agreement to acquire Non-performing loans (NPL) portfolio of Instabank ASA from Instabank ASA (OB:INSTA) on November 30, 2020. As a result of the transaction, Instabank’s total NPL ratio will drop from 7.1 % to 6.3 %, based on the situation at the end of the third quarter of 2021. The transaction will be finalized in December 2021 and is expected to have a positive earnings impact in Q4 2021.
Recent Insider Transactions • Sep 10Chief Marketing Officer recently bought €126k worth of stockOn the 7th of September, Jørgen Rui bought around 634k shares on-market at roughly €0.20 per share. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought €266k more in shares than they have sold in the last 12 months.
お知らせ • Jun 17Instabank ASA (OB:INSTA) agreed to acquire Portfolio Of Unsecured Loans of Optin Bank ASA from Optin Bank ASA for NOK 40.5 million.Instabank ASA (OB:INSTA) agreed to acquire Portfolio Of Unsecured Loans of Optin Bank ASA from Optin Bank ASA for NOK 40.5 million on June 16, 2021. The purchase price is based on 85% of the principal value of the loans which is NOK 47.7 million. The transaction will be completed within end of June 2021.