View ValuationMorrow Bank 향후 성장Future 기준 점검 5/6Morrow Bank (는) 각각 연간 34.4% 및 33.8% 수익과 수익이 증가할 것으로 예상됩니다. EPS는 연간 24.8% 만큼 성장할 것으로 예상됩니다. 자기자본이익률은 3년 후 14.8% 로 예상됩니다.핵심 정보34.4%이익 성장률24.79%EPS 성장률Banks 이익 성장8.7%매출 성장률33.8%향후 자기자본이익률14.81%애널리스트 커버리지Low마지막 업데이트06 Jul 2026최근 향후 성장 업데이트공고 • Jan 20+ 1 more updateKomplett Bank Asa Announces Preliminary Revenue Results for Fourth Quarter 2022Komplett Bank ASA announced preliminary revenue results for fourth quarter 2022. For the period, total income was NOK 220 million, up 17% vs third quarter 2022.모든 업데이트 보기Recent updatesBuy Or Sell Opportunity • Jul 20Now 23% undervalued after recent price dropOver the last 90 days, the stock has fallen 5.8% to €1.13. The fair value is estimated to be €1.46, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 15% over the last 3 years. Meanwhile, the company has become profitable. Revenue is forecast to grow by 226% in 2 years. Earnings are forecast to grow by 115% in the next 2 years.Buy Or Sell Opportunity • Jun 03Now 21% undervalued after recent price dropOver the last 90 days, the stock has fallen 1.6% to €1.16. The fair value is estimated to be €1.46, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 15% over the last 3 years. Meanwhile, the company has become profitable. Revenue is forecast to grow by 229% in 2 years. Earnings are forecast to grow by 116% in the next 2 years.공고 • May 29Morrow Bank AB has filed a Follow-on Equity Offering in the amount of SEK 591.97768 million.Morrow Bank AB has filed a Follow-on Equity Offering in the amount of SEK 591.97768 million. Security Name: Ordinary Shares Security Type: Common Stock Securities Offered: 51,476,320 Price\Range: SEK 11.5 Transaction Features: Rights OfferingRecent Insider Transactions • May 27Chairman of the Board recently sold €86k worth of stockOn the 25th of May, Lars Midby sold around 73k shares on-market at roughly €1.19 per share. This transaction amounted to 99% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Lars has been a net seller over the last 12 months, reducing personal holdings by €77k.Board Change • May 20No independent directorsThere are 4 new directors who have joined the board in the last 3 years. Of these new board members, none were independent directors. The company's board is composed of: 4 new directors. 1 experienced director. No highly experienced directors. No independent directors (5 non-independent directors). Chairman of the Board Lars Midby is the most experienced director on the board, commencing their role in 2024. The following issues are considered to be risks according to the Simply Wall St Risk Model: Lack of independent directors. Lack of experienced directors.공고 • Mar 13Morrow Bank AB to Report Fiscal Year 2025 Final Results on Mar 31, 2026Morrow Bank AB announced that they will report fiscal year 2025 final results on Mar 31, 2026공고 • Feb 12Arktika Capital AB entered into a definitive agreement to acquire Non-performing unsecured loans in Sweden of Morrow Bank AB from Morrow Bank AB (OM:MORROW).Arktika Capital AB entered into a definitive agreement to acquire Non-performing unsecured loans in Sweden of Morrow Bank AB from Morrow Bank AB (OM:MORROW) on February 11, 2026. The transaction is subject to approval by the Swedish Financial Supervisory Authority and is expected to close around the beginning of April 2026.공고 • Nov 07Morrow Bank ASA, Annual General Meeting, Apr 09, 2026Morrow Bank ASA, Annual General Meeting, Apr 09, 2026.공고 • Nov 06+ 3 more updatesMorrow Bank ASA to Report First Half, 2026 Results on Aug 13, 2026Morrow Bank ASA announced that they will report first half, 2026 results on Aug 13, 2026공고 • Feb 14Morrow Bank ASA Recommends Dividend for 2024Morrow Bank ASA board to recommend a dividend of up to 50% of 2024 profits available for distribution to the AGM (10 April 2025), approximately NOK 0.4 per share.공고 • Dec 13Morrow Bank ASA, Annual General Meeting, Apr 10, 2025Morrow Bank ASA, Annual General Meeting, Apr 10, 2025.공고 • Dec 12+ 4 more updatesMorrow Bank ASA to Report Fiscal Year 2024 Final Results on Mar 12, 2025Morrow Bank ASA announced that they will report fiscal year 2024 final results on Mar 12, 2025Recent Insider Transactions • Nov 07Board Member recently bought €22k worth of stockOn the 1st of November, Henning Fagerbakke bought around 40k shares on-market at roughly €0.55 per share. This transaction amounted to 7.3% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger purchase from another insider worth €72k. Insiders have collectively bought €158k more in shares than they have sold in the last 12 months.Reported Earnings • Nov 01Third quarter 2024 earnings released: EPS: kr0.21 (vs kr0.14 in 3Q 2023)Third quarter 2024 results: EPS: kr0.21 (up from kr0.14 in 3Q 2023). Revenue: kr154.6m (up 24% from 3Q 2023). Net income: kr54.1m (up 52% from 3Q 2023). Profit margin: 35% (up from 29% in 3Q 2023). The increase in margin was driven by higher revenue. Revenue is forecast to grow 27% p.a. on average during the next 3 years, compared to a 3.1% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 113% per year but the company’s share price has fallen by 12% per year, which means it is significantly lagging earnings.New Risk • Aug 29New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of German stocks, typically moving 6.8% a week. This is considered a minor risk. Share price volatility indicates 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. It also 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. This is currently the only risk that has been identified for the company.Recent Insider Transactions • Aug 21Chief Financial Officer recently bought €72k worth of stockOn the 19th of August, Eirik Holtedahl bought around 150k shares on-market at roughly €0.48 per share. This transaction amounted to 6.0% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. This was Eirik's only on-market trade for the last 12 months.New Risk • Aug 19New major risk - Revenue and earnings growthEarnings have declined by 29% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. This is currently the only risk that has been identified for the company.Reported Earnings • Aug 15Second quarter 2024 earnings released: EPS: kr0.20 (vs kr0.18 in 2Q 2023)Second quarter 2024 results: EPS: kr0.20 (up from kr0.18 in 2Q 2023). Revenue: kr147.7m (up 7.3% from 2Q 2023). Net income: kr50.6m (up 23% from 2Q 2023). Profit margin: 34% (up from 30% in 2Q 2023). Revenue is forecast to grow 23% 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 59% per year but the company’s share price has fallen by 15% per year, which means it is significantly lagging earnings.Reported Earnings • Mar 22Full year 2023 earnings released: EPS: kr0.62 (vs kr0.074 loss in FY 2022)Full year 2023 results: EPS: kr0.62 (up from kr0.074 loss in FY 2022). Revenue: kr527.2m (up 3.6% from FY 2022). Net income: kr133.7m (up kr147.6m from FY 2022). Profit margin: 25% (up from net loss in FY 2022). The move to profitability was primarily driven by lower expenses. Cost-to-income ratio: 30.4% (down from 63.3% in FY 2022). Non-performing loans: 4.10% (up from 2.67% in FY 2022). Revenue is forecast to grow 34% p.a. on average during the next 2 years, compared to a 3.2% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has fallen by 26% per year whereas the company’s share price has fallen by 28% per year.Reported Earnings • Feb 15Full year 2023 earnings released: EPS: kr0.62 (vs kr0.074 loss in FY 2022)Full year 2023 results: EPS: kr0.62 (up from kr0.074 loss in FY 2022). Revenue: kr527.2m (up 3.6% from FY 2022). Net income: kr151.9m (up kr165.8m from FY 2022). Profit margin: 29% (up from net loss in FY 2022). The move to profitability was primarily driven by lower expenses. Revenue is forecast to grow 34% p.a. on average during the next 2 years, compared to a 2.4% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has fallen by 26% per year whereas the company’s share price has fallen by 25% per year.공고 • Jan 17Morrow Bank ASA to Report Q4, 2023 Results on Feb 15, 2024Morrow Bank ASA announced that they will report Q4, 2023 results on Feb 15, 2024New Risk • Oct 31New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of German stocks, typically moving 6.6% a week. This is considered a minor risk. Share price volatility indicates 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. It also 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. Currently, the following risks have been identified for the company: Minor Risks Share price has been volatile over the past 3 months (6.6% average weekly change). Large one-off items impacting financial results. Profit margins are more than 30% lower than last year (2.7% net profit margin). Shareholders have been diluted in the past year (23% increase in shares outstanding). Market cap is less than US$100m (€68.3m market cap, or US$72.5m).Reported Earnings • Oct 26Third quarter 2023 earnings releasedThird quarter 2023 results: Revenue: kr124.4m (up 5.1% from 3Q 2022). Net income: kr35.7m (up 98% from 3Q 2022). Profit margin: 29% (up from 15% in 3Q 2022). Revenue is forecast to grow 23% p.a. on average during the next 3 years, compared to a 3.7% growth forecast for the Banks industry in Europe.New Risk • Aug 11New minor risk - Market cap sizeThe company's market capitalization is less than US$100m. Market cap: €79.2m (US$86.8m) This is considered a minor risk. Companies with a small market capitalization are most likely businesses that have not yet released a product to market or are simply a very small company without a wide reach. Either way, risk is elevated with these companies because there is a chance the product may not come to fruition or the company's addressable market or demand may not be as large as expected. In addition, if the company's size is the main factor, it is less likely to have many investors and analysts following it and scrutinizing its performance and outlook. Currently, the following risks have been identified for the company: Minor Risks Shareholders have been diluted in the past year (22% increase in shares outstanding). Market cap is less than US$100m (€79.2m market cap, or US$86.8m).Reported Earnings • Aug 11Second quarter 2023 earnings releasedSecond quarter 2023 results: Revenue: kr137.6m (down 9.7% from 2Q 2022). Net income: kr41.2m (up 14% from 2Q 2022). Profit margin: 30% (up from 24% in 2Q 2022). Revenue is forecast to grow 24% p.a. on average during the next 3 years, compared to a 3.6% growth forecast for the Banks industry in Europe.공고 • Jun 16Morrow Bank ASA announced that it expects to receive NOK 100 million in funding from Kistefos A.S., Kistefos Investment A.S.Morrow Bank ASA announced a private placement of common shares for the gross proceeds of NOK 100 million on June 15, 2023. The transaction will include participation from new investors Kistefos A.S., Kistefos Investment A.S and some members of the company, board of directors, as well as some employees for NOK 7 million. Both investors together are holding 24.2% stake in the company.Reported Earnings • Mar 21Full year 2022 earnings released: kr0.074 loss per share (vs kr1.19 loss in FY 2021)Full year 2022 results: kr0.074 loss per share (improved from kr1.19 loss in FY 2021). Revenue: kr508.7m (down 17% from FY 2021). Net loss: kr13.9m (loss narrowed 94% from FY 2021). Cost-to-income ratio: 63.3% (up from 47.4% in FY 2021). Non-performing loans: 4.46% (down from 12.92% in FY 2021). Revenue is forecast to grow 22% p.a. on average during the next 3 years, compared to a 5.9% growth forecast for the Banks industry in Europe. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 86 percentage points per year, which is a significant difference in performance.Reported Earnings • Feb 15Full year 2022 earnings released: kr0.07 loss per share (vs kr1.19 loss in FY 2021)Full year 2022 results: kr0.07 loss per share (improved from kr1.19 loss in FY 2021). Revenue: kr508.7m (down 17% from FY 2021). Net loss: kr13.9m (loss narrowed 94% from FY 2021). Revenue is forecast to grow 27% p.a. on average during the next 2 years, compared to a 6.4% growth forecast for the Banks industry in Europe. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 59 percentage points per year, which is a significant difference in performance.공고 • Jan 20+ 1 more updateKomplett Bank Asa Announces Preliminary Revenue Results for Fourth Quarter 2022Komplett Bank ASA announced preliminary revenue results for fourth quarter 2022. For the period, total income was NOK 220 million, up 17% vs third quarter 2022.공고 • Dec 22+ 5 more updatesKomplett Bank ASA to Report Q4, 2023 Results on Feb 15, 2024Komplett Bank ASA announced that they will report Q4, 2023 results on Feb 15, 2024Board Change • Nov 21High number of new and inexperienced directorsThere are 7 new directors who have joined the board in the last 3 years. The company's board is composed of: 7 new directors. 1 experienced director. 1 highly experienced director. Independent Deputy Chairman of the Board Bodil Hollingsaeter is the most experienced director on the board, commencing their role in 2014. The following issues are considered to be risks according to the Simply Wall St Risk Model: Lack of board continuity. Lack of experienced directors.Board Change • Jun 01High number of new and inexperienced directorsThere are 6 new directors who have joined the board in the last 3 years. The company's board is composed of: 6 new directors. 1 experienced director. 1 highly experienced director. Independent Deputy Chairman of the Board Bodil Hollingsaeter is the most experienced director on the board, commencing their role in 2014. The following issues are considered to be risks according to the Simply Wall St Risk Model: Lack of board continuity. Lack of experienced directors.공고 • May 05Intrum Capital AS entered into an agreement to acquire Portfolio of Norwegian Non Performing Consumer Loans, Credit Card Loans and Point of Sales Financing from Komplett Bank ASA (OB:KOMP) for NOK 700 million.Intrum Capital AS entered into an agreement to acquire Portfolio of Norwegian Non Performing Consumer Loans, Credit Card Loans and Point of Sales Financing from Komplett Bank ASA (OB:KOMP) for NOK 700 million on May 4, 2022. The transaction is expected to completed by Q2 2022.Board Change • Apr 29Less than half of directors are independentFollowing the recent departure of a director, there are only 2 independent directors on the board. The company's board is composed of: 2 independent directors. 5 non-independent directors. Independent Chairman Stig Sivertsen was the last independent director to join the board, commencing their role in 2018. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.Recent Insider Transactions • Nov 04Chief Executive Officer recently bought €176k worth of stockOn the 2nd of November, Oyvind Oanes bought around 230k shares on-market at roughly €0.77 per share. This was the largest purchase by an insider in the last 3 months. This was Oyvind's only on-market trade for the last 12 months.Executive Departure • Oct 10Interim Chief Executive Officer Eirik Holtedahl has left the companyOn the 1st of October, Eirik Holtedahl was replaced as CEO by Oyvind Oanes after less than a year in the role. As of June 2021, Eirik still personally held 850.00k shares (€715k worth at the time). Eirik is the only executive to leave the company over the last 12 months. The current median tenure of the management team is 2.33 years. Under Eirik's leadership, the company delivered a total shareholder return of -5.7%.Recent Insider Transactions • Aug 20Director of Legal & HR recently bought €133k worth of stockOn the 12th of August, Wilhelm Thomassen bought around 158k shares on-market at roughly €0.84 per share. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought €257k more in shares than they have sold in the last 12 months.Reported Earnings • Aug 18Second quarter 2021 earnings released: EPS kr0.25 (vs kr0.41 in 2Q 2020)The company reported a poor second quarter result with weaker earnings, revenues and profit margins. Second quarter 2021 results: Revenue: kr175.6m (down 14% from 2Q 2020). Net income: kr50.0m (down 35% from 2Q 2020). Profit margin: 28% (down from 38% in 2Q 2020).Reported Earnings • May 13First quarter 2021 earnings released: EPS kr0.34 (vs kr0.25 in 1Q 2020)The company reported a strong first quarter result with improved earnings, revenues and profit margins. First quarter 2021 results: Revenue: kr181.9m (up 15% from 1Q 2020). Net income: kr62.7m (up 37% from 1Q 2020). Profit margin: 35% (up from 29% in 1Q 2020). The increase in margin was driven by higher revenue.Valuation Update With 7 Day Price Move • Apr 01Investor sentiment improved over the past weekAfter last week's 17% share price gain to kr1.06, the stock trades at a forward P/E ratio of 8x. Average forward P/E is 11x in the Banks industry in Europe. Total returns to shareholders of 197% over the past year.Reported Earnings • Mar 26Full year 2020 earnings released: EPS kr1.36 (vs kr1.11 in FY 2019)The company reported a strong full year result with improved earnings, revenues and profit margins. Full year 2020 results: Revenue: kr736.1m (up 2.1% from FY 2019). Net income: kr262.8m (up 31% from FY 2019). Profit margin: 36% (up from 28% in FY 2019). The increase in margin was primarily driven by lower expenses. Cost-to-income ratio: 35.2% (up from 30.5% in FY 2019). Non-performing loans: 21.45% (up from 13.81% in FY 2019).Is New 90 Day High Low • Mar 05New 90-day high: €0.85The company is up 4.0% from its price of €0.82 on 04 December 2020. The German market is up 9.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is up 9.0% over the same period.Reported Earnings • Feb 12Full year 2020 earnings released: EPS kr1.36 (vs kr1.11 in FY 2019)The company reported a strong full year result with improved earnings, revenues and profit margins. Full year 2020 results: Revenue: kr736.1m (up 2.1% from FY 2019). Net income: kr262.8m (up 31% from FY 2019). Profit margin: 36% (up from 28% in FY 2019). The increase in margin was primarily driven by lower expenses. Cost-to-income ratio: 35.2% (up from 30.5% in FY 2019). Non-performing loans: 21.45% (up from 13.81% in FY 2019).공고 • Feb 02Jan Haglund Resigns as CEO of Komplett Bank ASAKomplett Bank ASA announced that its CEO Jan Haglund has given notice to the Board of Directors to resign his position. He will take on the position as the CEO of Entercard in Sweden. Mr. Haglund will carry on his duties as CEO of Komplett Bank until the end of the second quarter this year. Exact timing is to be decided. The Board of Directors will initiate the search process to find a new CEO for Komplett Bank.Is New 90 Day High Low • Jan 09New 90-day high: €0.84The company is up 42% from its price of €0.59 on 09 October 2020. The German market is up 8.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is up 17% over the same period.Is New 90 Day High Low • Nov 14New 90-day high: €0.69The company is up 1.0% from its price of €0.68 on 14 August 2020. The German market is also up 1.0% over the last 90 days, indicating the company’s price trend is similar to the market over that time. However, it underperformed the Banks industry, which is up 4.0% over the same period.Reported Earnings • Nov 13Third quarter 2020 earnings released: EPS kr0.37The company reported a soft third quarter result with weaker earnings and revenues, although profit margins were improved. Third quarter 2020 results: Revenue: kr188.9m (down 11% from 3Q 2019). Net income: kr73.4m (down 8.8% from 3Q 2019). Profit margin: 39% (up from 38% in 3Q 2019). The increase in margin was driven by lower expenses.Is New 90 Day High Low • Sep 25New 90-day low: €0.56The company is down 5.0% from its price of €0.59 on 26 June 2020. The German market is up 3.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is up 6.0% over the same period.이익 및 매출 성장 예측DB:KBN0 - 애널리스트 향후 추정치 및 과거 재무 데이터 (SEK Millions)날짜매출이익자유현금흐름영업현금흐름평균 애널리스트 수12/31/20282,617678N/AN/A212/31/20272,400535N/AN/A212/31/20261,866336N/AN/A23/31/2026752266-4,635-4,585N/A12/31/2025687238-2,040-1,995N/A9/30/2025684232-168-124N/A6/30/2025646214-3,776-3,733N/A3/31/2025626199-3,471-3,431N/A12/31/2024598184-4,056-4,016N/A9/30/2024550145-5,570-5,526N/A6/30/2024537136-972-834N/A3/31/2024523131-300-250N/A12/31/2023523133-1,318-1,262N/A9/30/202349113-2,268-2,211N/A6/30/2023477-4-3,286-3,309N/A3/31/2023486-9-3,711-3,648N/A12/31/2022542-15-2,002-1,940N/A9/30/20221,0651131,4241,495N/A6/30/2022579-2733,0723,136N/A3/31/2022621-2672,9182,992N/A12/31/2021625-2282,1582,233N/A9/30/2021215-1861,3261,391N/A6/30/2021767242-325-259N/A3/31/2021816276-102-26N/A12/31/2020745243783N/A9/30/2020607171-1,040-950N/A6/30/2020635179-370-277N/A3/31/2020636161-1,239-1,150N/A12/31/2019769213N/A-1,441N/A9/30/2019934338N/A-1,401N/A6/30/2019912334N/A-1,749N/A3/31/2019883359N/A-1,741N/A12/31/2018802337N/A-2,159N/A9/30/2018782332N/A-2,513N/A6/30/2018784353N/A-2,321N/A3/31/2018690309N/A-1,925N/A12/31/2017590271N/A-1,774N/A9/30/2017548253N/AN/AN/A6/30/2017440196N/AN/AN/A3/31/2017386173N/AN/AN/A12/31/2016322136N/A-1,698N/A9/30/2016261100N/AN/AN/A6/30/201618859N/AN/AN/A3/31/201613730N/AN/AN/A12/31/20159611N/A-1,041N/A9/30/201574-11N/AN/AN/A더 보기애널리스트 향후 성장 전망수입 대 저축률: KBN0 의 연간 예상 수익 증가율(34.4%)이 saving rate(1.9%)보다 높습니다.수익 vs 시장: KBN0 의 연간 수익(34.4%)이 German 시장(16.1%)보다 빠르게 성장할 것으로 예상됩니다.고성장 수익: KBN0 의 수입은 향후 3년 동안 상당히 증가할 것으로 예상됩니다.수익 대 시장: KBN0 의 수익(연간 33.8%)이 German 시장(연간 6.6%)보다 빠르게 성장할 것으로 예상됩니다.고성장 매출: KBN0 의 수익(연간 33.8%)은 연간 20%보다 빠르게 증가할 것으로 예상됩니다.주당순이익 성장 예측향후 자기자본이익률미래 ROE: KBN0의 자본 수익률은 3년 후 14.8%로 낮을 것으로 예상됩니다.성장 기업 찾아보기7D1Y7D1Y7D1YBanks 산업의 고성장 기업.View Past Performance기업 분석 및 재무 데이터 상태데이터최종 업데이트 (UTC 시간)기업 분석2026/07/21 03:28종가2026/07/21 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 모델의 세부 정보는 당사의 GitHub 페이지에서 확인하실 수 있습니다. 또한 보고서 사용 방법에 대한 가이드와 YouTube 튜토리얼도 제공하고 있습니다.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 소스Morrow Bank AB는 1명의 분석가가 다루고 있습니다. 이 중 2명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.분석가기관Herman ZahlPareto Securities
공고 • Jan 20+ 1 more updateKomplett Bank Asa Announces Preliminary Revenue Results for Fourth Quarter 2022Komplett Bank ASA announced preliminary revenue results for fourth quarter 2022. For the period, total income was NOK 220 million, up 17% vs third quarter 2022.
Buy Or Sell Opportunity • Jul 20Now 23% undervalued after recent price dropOver the last 90 days, the stock has fallen 5.8% to €1.13. The fair value is estimated to be €1.46, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 15% over the last 3 years. Meanwhile, the company has become profitable. Revenue is forecast to grow by 226% in 2 years. Earnings are forecast to grow by 115% in the next 2 years.
Buy Or Sell Opportunity • Jun 03Now 21% undervalued after recent price dropOver the last 90 days, the stock has fallen 1.6% to €1.16. The fair value is estimated to be €1.46, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 15% over the last 3 years. Meanwhile, the company has become profitable. Revenue is forecast to grow by 229% in 2 years. Earnings are forecast to grow by 116% in the next 2 years.
공고 • May 29Morrow Bank AB has filed a Follow-on Equity Offering in the amount of SEK 591.97768 million.Morrow Bank AB has filed a Follow-on Equity Offering in the amount of SEK 591.97768 million. Security Name: Ordinary Shares Security Type: Common Stock Securities Offered: 51,476,320 Price\Range: SEK 11.5 Transaction Features: Rights Offering
Recent Insider Transactions • May 27Chairman of the Board recently sold €86k worth of stockOn the 25th of May, Lars Midby sold around 73k shares on-market at roughly €1.19 per share. This transaction amounted to 99% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Lars has been a net seller over the last 12 months, reducing personal holdings by €77k.
Board Change • May 20No independent directorsThere are 4 new directors who have joined the board in the last 3 years. Of these new board members, none were independent directors. The company's board is composed of: 4 new directors. 1 experienced director. No highly experienced directors. No independent directors (5 non-independent directors). Chairman of the Board Lars Midby is the most experienced director on the board, commencing their role in 2024. The following issues are considered to be risks according to the Simply Wall St Risk Model: Lack of independent directors. Lack of experienced directors.
공고 • Mar 13Morrow Bank AB to Report Fiscal Year 2025 Final Results on Mar 31, 2026Morrow Bank AB announced that they will report fiscal year 2025 final results on Mar 31, 2026
공고 • Feb 12Arktika Capital AB entered into a definitive agreement to acquire Non-performing unsecured loans in Sweden of Morrow Bank AB from Morrow Bank AB (OM:MORROW).Arktika Capital AB entered into a definitive agreement to acquire Non-performing unsecured loans in Sweden of Morrow Bank AB from Morrow Bank AB (OM:MORROW) on February 11, 2026. The transaction is subject to approval by the Swedish Financial Supervisory Authority and is expected to close around the beginning of April 2026.
공고 • Nov 07Morrow Bank ASA, Annual General Meeting, Apr 09, 2026Morrow Bank ASA, Annual General Meeting, Apr 09, 2026.
공고 • Nov 06+ 3 more updatesMorrow Bank ASA to Report First Half, 2026 Results on Aug 13, 2026Morrow Bank ASA announced that they will report first half, 2026 results on Aug 13, 2026
공고 • Feb 14Morrow Bank ASA Recommends Dividend for 2024Morrow Bank ASA board to recommend a dividend of up to 50% of 2024 profits available for distribution to the AGM (10 April 2025), approximately NOK 0.4 per share.
공고 • Dec 13Morrow Bank ASA, Annual General Meeting, Apr 10, 2025Morrow Bank ASA, Annual General Meeting, Apr 10, 2025.
공고 • Dec 12+ 4 more updatesMorrow Bank ASA to Report Fiscal Year 2024 Final Results on Mar 12, 2025Morrow Bank ASA announced that they will report fiscal year 2024 final results on Mar 12, 2025
Recent Insider Transactions • Nov 07Board Member recently bought €22k worth of stockOn the 1st of November, Henning Fagerbakke bought around 40k shares on-market at roughly €0.55 per share. This transaction amounted to 7.3% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger purchase from another insider worth €72k. Insiders have collectively bought €158k more in shares than they have sold in the last 12 months.
Reported Earnings • Nov 01Third quarter 2024 earnings released: EPS: kr0.21 (vs kr0.14 in 3Q 2023)Third quarter 2024 results: EPS: kr0.21 (up from kr0.14 in 3Q 2023). Revenue: kr154.6m (up 24% from 3Q 2023). Net income: kr54.1m (up 52% from 3Q 2023). Profit margin: 35% (up from 29% in 3Q 2023). The increase in margin was driven by higher revenue. Revenue is forecast to grow 27% p.a. on average during the next 3 years, compared to a 3.1% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 113% per year but the company’s share price has fallen by 12% per year, which means it is significantly lagging earnings.
New Risk • Aug 29New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of German stocks, typically moving 6.8% a week. This is considered a minor risk. Share price volatility indicates 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. It also 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. This is currently the only risk that has been identified for the company.
Recent Insider Transactions • Aug 21Chief Financial Officer recently bought €72k worth of stockOn the 19th of August, Eirik Holtedahl bought around 150k shares on-market at roughly €0.48 per share. This transaction amounted to 6.0% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. This was Eirik's only on-market trade for the last 12 months.
New Risk • Aug 19New major risk - Revenue and earnings growthEarnings have declined by 29% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. This is currently the only risk that has been identified for the company.
Reported Earnings • Aug 15Second quarter 2024 earnings released: EPS: kr0.20 (vs kr0.18 in 2Q 2023)Second quarter 2024 results: EPS: kr0.20 (up from kr0.18 in 2Q 2023). Revenue: kr147.7m (up 7.3% from 2Q 2023). Net income: kr50.6m (up 23% from 2Q 2023). Profit margin: 34% (up from 30% in 2Q 2023). Revenue is forecast to grow 23% 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 59% per year but the company’s share price has fallen by 15% per year, which means it is significantly lagging earnings.
Reported Earnings • Mar 22Full year 2023 earnings released: EPS: kr0.62 (vs kr0.074 loss in FY 2022)Full year 2023 results: EPS: kr0.62 (up from kr0.074 loss in FY 2022). Revenue: kr527.2m (up 3.6% from FY 2022). Net income: kr133.7m (up kr147.6m from FY 2022). Profit margin: 25% (up from net loss in FY 2022). The move to profitability was primarily driven by lower expenses. Cost-to-income ratio: 30.4% (down from 63.3% in FY 2022). Non-performing loans: 4.10% (up from 2.67% in FY 2022). Revenue is forecast to grow 34% p.a. on average during the next 2 years, compared to a 3.2% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has fallen by 26% per year whereas the company’s share price has fallen by 28% per year.
Reported Earnings • Feb 15Full year 2023 earnings released: EPS: kr0.62 (vs kr0.074 loss in FY 2022)Full year 2023 results: EPS: kr0.62 (up from kr0.074 loss in FY 2022). Revenue: kr527.2m (up 3.6% from FY 2022). Net income: kr151.9m (up kr165.8m from FY 2022). Profit margin: 29% (up from net loss in FY 2022). The move to profitability was primarily driven by lower expenses. Revenue is forecast to grow 34% p.a. on average during the next 2 years, compared to a 2.4% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has fallen by 26% per year whereas the company’s share price has fallen by 25% per year.
공고 • Jan 17Morrow Bank ASA to Report Q4, 2023 Results on Feb 15, 2024Morrow Bank ASA announced that they will report Q4, 2023 results on Feb 15, 2024
New Risk • Oct 31New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of German stocks, typically moving 6.6% a week. This is considered a minor risk. Share price volatility indicates 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. It also 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. Currently, the following risks have been identified for the company: Minor Risks Share price has been volatile over the past 3 months (6.6% average weekly change). Large one-off items impacting financial results. Profit margins are more than 30% lower than last year (2.7% net profit margin). Shareholders have been diluted in the past year (23% increase in shares outstanding). Market cap is less than US$100m (€68.3m market cap, or US$72.5m).
Reported Earnings • Oct 26Third quarter 2023 earnings releasedThird quarter 2023 results: Revenue: kr124.4m (up 5.1% from 3Q 2022). Net income: kr35.7m (up 98% from 3Q 2022). Profit margin: 29% (up from 15% in 3Q 2022). Revenue is forecast to grow 23% p.a. on average during the next 3 years, compared to a 3.7% growth forecast for the Banks industry in Europe.
New Risk • Aug 11New minor risk - Market cap sizeThe company's market capitalization is less than US$100m. Market cap: €79.2m (US$86.8m) This is considered a minor risk. Companies with a small market capitalization are most likely businesses that have not yet released a product to market or are simply a very small company without a wide reach. Either way, risk is elevated with these companies because there is a chance the product may not come to fruition or the company's addressable market or demand may not be as large as expected. In addition, if the company's size is the main factor, it is less likely to have many investors and analysts following it and scrutinizing its performance and outlook. Currently, the following risks have been identified for the company: Minor Risks Shareholders have been diluted in the past year (22% increase in shares outstanding). Market cap is less than US$100m (€79.2m market cap, or US$86.8m).
Reported Earnings • Aug 11Second quarter 2023 earnings releasedSecond quarter 2023 results: Revenue: kr137.6m (down 9.7% from 2Q 2022). Net income: kr41.2m (up 14% from 2Q 2022). Profit margin: 30% (up from 24% in 2Q 2022). Revenue is forecast to grow 24% p.a. on average during the next 3 years, compared to a 3.6% growth forecast for the Banks industry in Europe.
공고 • Jun 16Morrow Bank ASA announced that it expects to receive NOK 100 million in funding from Kistefos A.S., Kistefos Investment A.S.Morrow Bank ASA announced a private placement of common shares for the gross proceeds of NOK 100 million on June 15, 2023. The transaction will include participation from new investors Kistefos A.S., Kistefos Investment A.S and some members of the company, board of directors, as well as some employees for NOK 7 million. Both investors together are holding 24.2% stake in the company.
Reported Earnings • Mar 21Full year 2022 earnings released: kr0.074 loss per share (vs kr1.19 loss in FY 2021)Full year 2022 results: kr0.074 loss per share (improved from kr1.19 loss in FY 2021). Revenue: kr508.7m (down 17% from FY 2021). Net loss: kr13.9m (loss narrowed 94% from FY 2021). Cost-to-income ratio: 63.3% (up from 47.4% in FY 2021). Non-performing loans: 4.46% (down from 12.92% in FY 2021). Revenue is forecast to grow 22% p.a. on average during the next 3 years, compared to a 5.9% growth forecast for the Banks industry in Europe. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 86 percentage points per year, which is a significant difference in performance.
Reported Earnings • Feb 15Full year 2022 earnings released: kr0.07 loss per share (vs kr1.19 loss in FY 2021)Full year 2022 results: kr0.07 loss per share (improved from kr1.19 loss in FY 2021). Revenue: kr508.7m (down 17% from FY 2021). Net loss: kr13.9m (loss narrowed 94% from FY 2021). Revenue is forecast to grow 27% p.a. on average during the next 2 years, compared to a 6.4% growth forecast for the Banks industry in Europe. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 59 percentage points per year, which is a significant difference in performance.
공고 • Jan 20+ 1 more updateKomplett Bank Asa Announces Preliminary Revenue Results for Fourth Quarter 2022Komplett Bank ASA announced preliminary revenue results for fourth quarter 2022. For the period, total income was NOK 220 million, up 17% vs third quarter 2022.
공고 • Dec 22+ 5 more updatesKomplett Bank ASA to Report Q4, 2023 Results on Feb 15, 2024Komplett Bank ASA announced that they will report Q4, 2023 results on Feb 15, 2024
Board Change • Nov 21High number of new and inexperienced directorsThere are 7 new directors who have joined the board in the last 3 years. The company's board is composed of: 7 new directors. 1 experienced director. 1 highly experienced director. Independent Deputy Chairman of the Board Bodil Hollingsaeter is the most experienced director on the board, commencing their role in 2014. The following issues are considered to be risks according to the Simply Wall St Risk Model: Lack of board continuity. Lack of experienced directors.
Board Change • Jun 01High number of new and inexperienced directorsThere are 6 new directors who have joined the board in the last 3 years. The company's board is composed of: 6 new directors. 1 experienced director. 1 highly experienced director. Independent Deputy Chairman of the Board Bodil Hollingsaeter is the most experienced director on the board, commencing their role in 2014. The following issues are considered to be risks according to the Simply Wall St Risk Model: Lack of board continuity. Lack of experienced directors.
공고 • May 05Intrum Capital AS entered into an agreement to acquire Portfolio of Norwegian Non Performing Consumer Loans, Credit Card Loans and Point of Sales Financing from Komplett Bank ASA (OB:KOMP) for NOK 700 million.Intrum Capital AS entered into an agreement to acquire Portfolio of Norwegian Non Performing Consumer Loans, Credit Card Loans and Point of Sales Financing from Komplett Bank ASA (OB:KOMP) for NOK 700 million on May 4, 2022. The transaction is expected to completed by Q2 2022.
Board Change • Apr 29Less than half of directors are independentFollowing the recent departure of a director, there are only 2 independent directors on the board. The company's board is composed of: 2 independent directors. 5 non-independent directors. Independent Chairman Stig Sivertsen was the last independent director to join the board, commencing their role in 2018. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.
Recent Insider Transactions • Nov 04Chief Executive Officer recently bought €176k worth of stockOn the 2nd of November, Oyvind Oanes bought around 230k shares on-market at roughly €0.77 per share. This was the largest purchase by an insider in the last 3 months. This was Oyvind's only on-market trade for the last 12 months.
Executive Departure • Oct 10Interim Chief Executive Officer Eirik Holtedahl has left the companyOn the 1st of October, Eirik Holtedahl was replaced as CEO by Oyvind Oanes after less than a year in the role. As of June 2021, Eirik still personally held 850.00k shares (€715k worth at the time). Eirik is the only executive to leave the company over the last 12 months. The current median tenure of the management team is 2.33 years. Under Eirik's leadership, the company delivered a total shareholder return of -5.7%.
Recent Insider Transactions • Aug 20Director of Legal & HR recently bought €133k worth of stockOn the 12th of August, Wilhelm Thomassen bought around 158k shares on-market at roughly €0.84 per share. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought €257k more in shares than they have sold in the last 12 months.
Reported Earnings • Aug 18Second quarter 2021 earnings released: EPS kr0.25 (vs kr0.41 in 2Q 2020)The company reported a poor second quarter result with weaker earnings, revenues and profit margins. Second quarter 2021 results: Revenue: kr175.6m (down 14% from 2Q 2020). Net income: kr50.0m (down 35% from 2Q 2020). Profit margin: 28% (down from 38% in 2Q 2020).
Reported Earnings • May 13First quarter 2021 earnings released: EPS kr0.34 (vs kr0.25 in 1Q 2020)The company reported a strong first quarter result with improved earnings, revenues and profit margins. First quarter 2021 results: Revenue: kr181.9m (up 15% from 1Q 2020). Net income: kr62.7m (up 37% from 1Q 2020). Profit margin: 35% (up from 29% in 1Q 2020). The increase in margin was driven by higher revenue.
Valuation Update With 7 Day Price Move • Apr 01Investor sentiment improved over the past weekAfter last week's 17% share price gain to kr1.06, the stock trades at a forward P/E ratio of 8x. Average forward P/E is 11x in the Banks industry in Europe. Total returns to shareholders of 197% over the past year.
Reported Earnings • Mar 26Full year 2020 earnings released: EPS kr1.36 (vs kr1.11 in FY 2019)The company reported a strong full year result with improved earnings, revenues and profit margins. Full year 2020 results: Revenue: kr736.1m (up 2.1% from FY 2019). Net income: kr262.8m (up 31% from FY 2019). Profit margin: 36% (up from 28% in FY 2019). The increase in margin was primarily driven by lower expenses. Cost-to-income ratio: 35.2% (up from 30.5% in FY 2019). Non-performing loans: 21.45% (up from 13.81% in FY 2019).
Is New 90 Day High Low • Mar 05New 90-day high: €0.85The company is up 4.0% from its price of €0.82 on 04 December 2020. The German market is up 9.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is up 9.0% over the same period.
Reported Earnings • Feb 12Full year 2020 earnings released: EPS kr1.36 (vs kr1.11 in FY 2019)The company reported a strong full year result with improved earnings, revenues and profit margins. Full year 2020 results: Revenue: kr736.1m (up 2.1% from FY 2019). Net income: kr262.8m (up 31% from FY 2019). Profit margin: 36% (up from 28% in FY 2019). The increase in margin was primarily driven by lower expenses. Cost-to-income ratio: 35.2% (up from 30.5% in FY 2019). Non-performing loans: 21.45% (up from 13.81% in FY 2019).
공고 • Feb 02Jan Haglund Resigns as CEO of Komplett Bank ASAKomplett Bank ASA announced that its CEO Jan Haglund has given notice to the Board of Directors to resign his position. He will take on the position as the CEO of Entercard in Sweden. Mr. Haglund will carry on his duties as CEO of Komplett Bank until the end of the second quarter this year. Exact timing is to be decided. The Board of Directors will initiate the search process to find a new CEO for Komplett Bank.
Is New 90 Day High Low • Jan 09New 90-day high: €0.84The company is up 42% from its price of €0.59 on 09 October 2020. The German market is up 8.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is up 17% over the same period.
Is New 90 Day High Low • Nov 14New 90-day high: €0.69The company is up 1.0% from its price of €0.68 on 14 August 2020. The German market is also up 1.0% over the last 90 days, indicating the company’s price trend is similar to the market over that time. However, it underperformed the Banks industry, which is up 4.0% over the same period.
Reported Earnings • Nov 13Third quarter 2020 earnings released: EPS kr0.37The company reported a soft third quarter result with weaker earnings and revenues, although profit margins were improved. Third quarter 2020 results: Revenue: kr188.9m (down 11% from 3Q 2019). Net income: kr73.4m (down 8.8% from 3Q 2019). Profit margin: 39% (up from 38% in 3Q 2019). The increase in margin was driven by lower expenses.
Is New 90 Day High Low • Sep 25New 90-day low: €0.56The company is down 5.0% from its price of €0.59 on 26 June 2020. The German market is up 3.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is up 6.0% over the same period.