View ValuationInstabank 향후 성장Future 기준 점검 5/6Instabank (는) 각각 연간 26.3% 및 28.6% 수익과 수익이 증가할 것으로 예상됩니다. EPS는 연간 24.1% 만큼 성장할 것으로 예상됩니다. 자기자본이익률은 3년 후 15.8% 로 예상됩니다.핵심 정보26.3%이익 성장률24.12%EPS 성장률Banks 이익 성장8.2%매출 성장률28.6%향후 자기자본이익률15.82%애널리스트 커버리지Low마지막 업데이트08 May 2026최근 향후 성장 업데이트업데이트 없음모든 업데이트 보기Recent 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.공시 • 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.공시 • Dec 01Instabank ASA, Annual General Meeting, Apr 08, 2027Instabank ASA, Annual General Meeting, Apr 08, 2027.공시 • 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, 2027공시 • 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 Offering공시 • 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.공시 • Jan 17+ 1 more updateInstabank ASA, Annual General Meeting, Apr 10, 2025Instabank ASA, Annual General Meeting, Apr 10, 2025.공시 • 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, 2026공시 • 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.공시 • 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.공시 • 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.공시 • 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.공시 • 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.공시 • 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.이익 및 매출 성장 예측DB:93V - 애널리스트 향후 추정치 및 과거 재무 데이터 (NOK Millions)날짜매출이익자유현금흐름영업현금흐름평균 애널리스트 수12/31/20281,169290N/AN/A112/31/20271,033249N/AN/A112/31/2026854192N/AN/A13/31/2026438132N/AN/AN/A12/31/2025413123-1,820-1,808N/A9/30/2025387102N/AN/AN/A6/30/202536998N/AN/AN/A3/31/2025358103N/AN/AN/A12/31/202433598-437-423N/A9/30/202431997N/AN/AN/A6/30/202431098N/AN/AN/A3/31/202429895N/AN/AN/A12/31/2023297101-1,257-1,240N/A9/30/2023285101N/AN/AN/A6/30/202326891N/AN/AN/A3/31/202326285N/AN/AN/A12/31/202225782-966-959N/A9/30/202225782N/AN/AN/A6/30/202226088N/AN/AN/A3/31/202225490N/AN/AN/A12/31/202123983-658-650N/A9/30/202122472N/AN/AN/A6/30/202120661N/AN/AN/A3/31/202118751N/AN/AN/A12/31/202017043-444-435N/A9/30/202016543N/AN/AN/A6/30/202016444N/AN/AN/A3/31/202016343N/AN/AN/A12/31/201917141N/A-23N/A9/30/201916235N/AN/AN/A6/30/201915528N/AN/AN/A3/31/201915325N/AN/AN/A12/31/201814226N/A-1,150N/A9/30/201813020N/AN/AN/A6/30/201811315N/AN/AN/A3/31/2018989N/AN/AN/A12/31/2017792N/A-1,624N/A9/30/201757-8N/AN/AN/A6/30/201734-17N/AN/AN/A3/31/201714-20N/AN/AN/A12/31/20162-17N/A-412N/A더 보기애널리스트 향후 성장 전망수입 대 저축률: 93V 의 연간 예상 수익 증가율(26.3%)이 saving rate(1.9%)보다 높습니다.수익 vs 시장: 93V 의 연간 수익(26.3%)이 German 시장(17%)보다 빠르게 성장할 것으로 예상됩니다.고성장 수익: 93V 의 수입은 향후 3년 동안 상당히 증가할 것으로 예상됩니다.수익 대 시장: 93V 의 수익(연간 28.6%)이 German 시장(연간 6.8%)보다 빠르게 성장할 것으로 예상됩니다.고성장 매출: 93V 의 수익(연간 28.6%)은 연간 20%보다 빠르게 증가할 것으로 예상됩니다.주당순이익 성장 예측향후 자기자본이익률미래 ROE: 93V의 자본 수익률은 3년 후 15.8%로 낮을 것으로 예상됩니다.성장 기업 찾아보기7D1Y7D1Y7D1YBanks 산업의 고성장 기업.View Past Performance기업 분석 및 재무 데이터 상태데이터최종 업데이트 (UTC 시간)기업 분석2026/05/22 03:23종가2026/05/22 00:00수익2026/03/31연간 수익2025/12/31데이터 소스당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.패키지데이터기간미국 소스 예시 *기업 재무제표10년손익계산서현금흐름표대차대조표SEC 양식 10-KSEC 양식 10-Q분석가 컨센서스 추정치+3년재무 예측분석가 목표주가분석가 리서치 보고서Blue Matrix시장 가격30년주가배당, 분할 및 기타 조치ICE 시장 데이터SEC 양식 S-1지분 구조10년주요 주주내부자 거래SEC 양식 4SEC 양식 13D경영진10년리더십 팀이사회SEC 양식 10-KSEC 양식 DEF 14A주요 개발10년회사 공시SEC 양식 8-K* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.분석 모델 및 스노우플레이크이 보고서를 생성하는 데 사용된 분석 모델에 대한 자세한 내용은 당사의 Github 페이지에서 확인하실 수 있습니다. 또한 보고서 활용 방법에 대한 가이드와 YouTube 튜토리얼도 제공합니다.Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.산업 및 섹터 지표산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.분석가 소스Instabank ASA는 1명의 분석가가 다루고 있습니다. 이 중 1명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.분석가기관Herman ZahlPareto Securities
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.
공시 • 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.
공시 • Dec 01Instabank ASA, Annual General Meeting, Apr 08, 2027Instabank ASA, Annual General Meeting, Apr 08, 2027.
공시 • 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
공시 • 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
공시 • 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.
공시 • Jan 17+ 1 more updateInstabank ASA, Annual General Meeting, Apr 10, 2025Instabank ASA, Annual General Meeting, Apr 10, 2025.
공시 • 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
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.