View Future GrowthAGF 과거 순이익 실적과거 기준 점검 0/6AGF 의 수입은 연평균 -15.7%의 비율로 감소해 온 반면, Hospitality 산업은 연평균 7.5%의 비율로 증가했습니다. 매출은 연평균 5.7%의 비율로 증가해 왔습니다.핵심 정보-15.73%순이익 성장률-17.81%주당순이익(EPS) 성장률Hospitality 산업 성장률-11.79%매출 성장률5.71%자기자본이익률-7.89%순이익률-11.46%최근 순이익 업데이트31 Dec 2025최근 과거 실적 업데이트Reported Earnings • Sep 27Full year 2024 earnings released: EPS: kr.0.13 (vs kr.0.057 in FY 2023)Full year 2024 results: EPS: kr.0.13 (up from kr.0.057 in FY 2023). Revenue: kr.185.6m (up 4.2% from FY 2023). Net income: kr.60.4m (up 166% from FY 2023). Profit margin: 33% (up from 13% in FY 2023). The increase in margin was primarily driven by lower expenses. Over the last 3 years on average, earnings per share has increased by 47% per year but the company’s share price has fallen by 1% per year, which means it is significantly lagging earnings.Reported Earnings • Feb 26First half 2024 earnings released: EPS: kr.0.15 (vs kr.0.036 in 1H 2023)First half 2024 results: EPS: kr.0.15 (up from kr.0.036 in 1H 2023). Revenue: kr.95.9m (up 10% from 1H 2023). Net income: kr.68.2m (up 399% from 1H 2023). Profit margin: 71% (up from 16% in 1H 2023). Over the last 3 years on average, earnings per share has increased by 32% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.Reported Earnings • Sep 23Full year 2023 earnings releasedFull year 2023 results: Revenue: kr.178.1m (down 5.7% from FY 2022). Net income: kr.22.7m (up 192% from FY 2022). Profit margin: 13% (up from 4.1% in FY 2022). The increase in margin was driven by lower expenses.Reported Earnings • Feb 26First half 2023 earnings releasedFirst half 2023 results: Revenue: kr.87.1m (down 5.0% from 1H 2022). Net income: kr.13.7m (down 19% from 1H 2022). Profit margin: 16% (down from 18% in 1H 2022).Reported Earnings • Sep 23Full year 2022 earnings releasedFull year 2022 results: Revenue: kr.188.8m (up 31% from FY 2021). Net income: kr.7.79m (down 69% from FY 2021). Profit margin: 4.1% (down from 18% in FY 2021). The decrease in margin was driven by higher expenses.Reported Earnings • Sep 23Full year 2021 earnings released: EPS kr.0.07 (vs kr.0.032 in FY 2020)The company reported a strong full year result with improved earnings, revenues and profit margins. Full year 2021 results: Revenue: kr.143.8m (up 18% from FY 2020). Net income: kr.25.4m (up 113% from FY 2020). Profit margin: 18% (up from 9.8% in FY 2020). The increase in margin was driven by higher revenue.모든 업데이트 보기Recent updatesBoard Change • May 20Less 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 Director Katja Moesgaard was the last independent director to join the board, commencing their role in 2022. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.공시 • Oct 01AGF A/S, Annual General Meeting, Oct 23, 2025AGF A/S, Annual General Meeting, Oct 23, 2025, at 16:00 Romance Standard Time. Location: fredensvang, 1st floor, terp skovvej 18a, 8260 viby j, Denmark공시 • Sep 25AGF A/S has completed a Follow-on Equity Offering in the amount of DKK 70 million.AGF A/S has completed a Follow-on Equity Offering in the amount of DKK 70 million. Security Name: Class B Shares Security Type: Common Stock Securities Offered: 87,500,000 Price\Range: DKK 0.8 Transaction Features: Subsequent Direct Listing공시 • Sep 18AGF A/S has filed a Follow-on Equity Offering in the amount of DKK 70 million.AGF A/S has filed a Follow-on Equity Offering in the amount of DKK 70 million. Security Name: Class B Shares Security Type: Common Stock Securities Offered: 90,000,000 Price\Range: DKK 0.777778 Transaction Features: Subsequent Direct Listing공시 • Oct 02AGF A/S, Annual General Meeting, Oct 24, 2024AGF A/S, Annual General Meeting, Oct 24, 2024, at 16:00 Romance Standard Time. Location: atdjurslands bank arena, privatsikring lounge, 2nd floor, stadion alle 70, 8000 aarhus c, DenmarkReported Earnings • Sep 27Full year 2024 earnings released: EPS: kr.0.13 (vs kr.0.057 in FY 2023)Full year 2024 results: EPS: kr.0.13 (up from kr.0.057 in FY 2023). Revenue: kr.185.6m (up 4.2% from FY 2023). Net income: kr.60.4m (up 166% from FY 2023). Profit margin: 33% (up from 13% in FY 2023). The increase in margin was primarily driven by lower expenses. Over the last 3 years on average, earnings per share has increased by 47% per year but the company’s share price has fallen by 1% per year, which means it is significantly lagging earnings.New Risk • Sep 08New minor risk - Financial data availabilityThe company's latest financial reports are more than 6 months old. Last reported fiscal period ended December 2023. This is considered a minor risk. If the company has not reported its earnings on time, it may have been delayed due to audit problems or it may be finding it difficult to reconcile its accounts. Currently, the following risks have been identified for the company: Major Risk High level of non-cash earnings (125% accrual ratio). Minor Risks Latest financial reports are more than 6 months old (reported December 2023 fiscal period end). Share price has been volatile over the past 3 months (7.9% average weekly change). Market cap is less than US$100m (€41.2m market cap, or US$45.7m).Reported Earnings • Feb 26First half 2024 earnings released: EPS: kr.0.15 (vs kr.0.036 in 1H 2023)First half 2024 results: EPS: kr.0.15 (up from kr.0.036 in 1H 2023). Revenue: kr.95.9m (up 10% from 1H 2023). Net income: kr.68.2m (up 399% from 1H 2023). Profit margin: 71% (up from 16% in 1H 2023). Over the last 3 years on average, earnings per share has increased by 32% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.New Risk • Jan 18New 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 11% 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 Risks Share price has been highly volatile over the past 3 months (11% average weekly change). High level of non-cash earnings (134% accrual ratio). Minor Risks Shareholders have been diluted in the past year (20% increase in shares outstanding). Market cap is less than US$100m (€38.1m market cap, or US$41.5m).Reported Earnings • Sep 23Full year 2023 earnings releasedFull year 2023 results: Revenue: kr.178.1m (down 5.7% from FY 2022). Net income: kr.22.7m (up 192% from FY 2022). Profit margin: 13% (up from 4.1% in FY 2022). The increase in margin was driven by lower expenses.New Risk • Aug 24New minor risk - Financial data availabilityThe company's latest financial reports are more than 6 months old. Last reported fiscal period ended December 2022. This is considered a minor risk. If the company has not reported its earnings on time, it may have been delayed due to audit problems or it may be finding it difficult to reconcile its accounts. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (12% average weekly change). High level of non-cash earnings (124% accrual ratio). Minor Risks Latest financial reports are more than 6 months old (reported December 2022 fiscal period end). Profit margins are more than 30% lower than last year (2.5% net profit margin). Shareholders have been diluted in the past year (20% increase in shares outstanding). Market cap is less than US$100m (€37.3m market cap, or US$40.4m).Reported Earnings • Feb 26First half 2023 earnings releasedFirst half 2023 results: Revenue: kr.87.1m (down 5.0% from 1H 2022). Net income: kr.13.7m (down 19% from 1H 2022). Profit margin: 16% (down from 18% in 1H 2022).Board Change • Nov 16Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 2 experienced directors. 4 highly experienced directors. Independent Director Kim Larsen was the last director to join the board, commencing their role in 2018. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.Reported Earnings • Sep 23Full year 2022 earnings releasedFull year 2022 results: Revenue: kr.188.8m (up 31% from FY 2021). Net income: kr.7.79m (down 69% from FY 2021). Profit margin: 4.1% (down from 18% in FY 2021). The decrease in margin was driven by higher expenses.Board Change • Apr 27Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 3 experienced directors. 3 highly experienced directors. Independent Director Kim Larsen was the last director to join the board, commencing their role in 2018. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.Reported Earnings • Sep 23Full year 2021 earnings released: EPS kr.0.07 (vs kr.0.032 in FY 2020)The company reported a strong full year result with improved earnings, revenues and profit margins. Full year 2021 results: Revenue: kr.143.8m (up 18% from FY 2020). Net income: kr.25.4m (up 113% from FY 2020). Profit margin: 18% (up from 9.8% in FY 2020). The increase in margin was driven by higher revenue.Reported Earnings • Feb 25First half 2021 earnings released: EPS kr.0.046 (vs kr.0.035 in 1H 2020)The company reported a strong first half result with improved earnings, revenues and profit margins. First half 2021 results: Revenue: kr.70.8m (up 7.4% from 1H 2020). Net income: kr.17.3m (up 31% from 1H 2020). Profit margin: 25% (up from 20% in 1H 2020).Reported Earnings • Sep 27Full year earnings released - EPS €0.032Over the last 12 months the company has reported total profits of kr.11.9m, up 13% from the prior year. Total revenue was kr.122.0m over the last 12 months, down 6.6% from the prior year. Profit margins were 9.8%, which is higher than the 8.1% margin from last year. The increase in margin was driven by lower expenses.매출 및 비용 세부 내역AGF가 돈을 벌고 사용하는 방법. 최근 발표된 LTM 실적 기준.순이익 및 매출 추이DB:5IN 매출, 비용 및 순이익 (DKK Millions)날짜매출순이익일반관리비연구개발비31 Dec 25190-22134030 Sep 25189-21133030 Jun 25188-20133031 Mar 25190-7129031 Dec 241916126030 Sep 2418833121030 Jun 2418660117031 Mar 2418669112031 Dec 2318777107030 Sep 2318350103030 Jun 231782399031 Mar 231811498031 Dec 22184596030 Sep 22186697030 Jun 22189897031 Mar 221771695031 Dec 211652594030 Sep 211542590030 Jun 211442587031 Mar 211352183031 Dec 201271679030 Sep 201241476030 Jun 201221274031 Mar 201291571031 Dec 191361768030 Sep 191331467030 Jun 191311166031 Mar 19123665031 Dec 18115165030 Sep 18114-465030 Jun 18113-1066031 Mar 18114-1064031 Dec 17115-1163030 Sep 17113-1062030 Jun 17111-961031 Mar 17113-662031 Dec 16115-263030 Sep 16112-262030 Jun 16110-161031 Mar 1698-1059031 Dec 1586-1958030 Sep 1580-2157030 Jun 1573-24570양질의 수익: 5IN 은(는) 현재 수익성이 없습니다.이익 마진 증가: 5IN는 현재 수익성이 없습니다.잉여현금흐름 대비 순이익 분석과거 순이익 성장 분석수익추이: 5IN은 수익성이 없으며 지난 5년 동안 손실이 연평균 15.7% 증가했습니다.성장 가속화: 현재 수익성이 없어 지난 1년간 5IN의 수익 성장률을 5년 평균과 비교할 수 없습니다.수익 대 산업: 5IN은 수익성이 없어 지난 해 수익 성장률을 Hospitality 업계(112%)와 비교하기 어렵습니다.자기자본이익률높은 ROE: 5IN는 현재 수익성이 없으므로 자본 수익률이 음수(-7.89%)입니다.총자산이익률투하자본수익률우수한 과거 실적 기업을 찾아보세요7D1Y7D1Y7D1YConsumer-services 산업에서 과거 실적이 우수한 기업.View Financial Health기업 분석 및 재무 데이터 상태데이터최종 업데이트 (UTC 시간)기업 분석2026/05/24 01:25종가2026/05/22 00:00수익2025/12/31연간 수익2025/06/30데이터 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 소스AGF A/S는 0명의 분석가가 다루고 있습니다. 이 중 0명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.
Reported Earnings • Sep 27Full year 2024 earnings released: EPS: kr.0.13 (vs kr.0.057 in FY 2023)Full year 2024 results: EPS: kr.0.13 (up from kr.0.057 in FY 2023). Revenue: kr.185.6m (up 4.2% from FY 2023). Net income: kr.60.4m (up 166% from FY 2023). Profit margin: 33% (up from 13% in FY 2023). The increase in margin was primarily driven by lower expenses. Over the last 3 years on average, earnings per share has increased by 47% per year but the company’s share price has fallen by 1% per year, which means it is significantly lagging earnings.
Reported Earnings • Feb 26First half 2024 earnings released: EPS: kr.0.15 (vs kr.0.036 in 1H 2023)First half 2024 results: EPS: kr.0.15 (up from kr.0.036 in 1H 2023). Revenue: kr.95.9m (up 10% from 1H 2023). Net income: kr.68.2m (up 399% from 1H 2023). Profit margin: 71% (up from 16% in 1H 2023). Over the last 3 years on average, earnings per share has increased by 32% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.
Reported Earnings • Sep 23Full year 2023 earnings releasedFull year 2023 results: Revenue: kr.178.1m (down 5.7% from FY 2022). Net income: kr.22.7m (up 192% from FY 2022). Profit margin: 13% (up from 4.1% in FY 2022). The increase in margin was driven by lower expenses.
Reported Earnings • Feb 26First half 2023 earnings releasedFirst half 2023 results: Revenue: kr.87.1m (down 5.0% from 1H 2022). Net income: kr.13.7m (down 19% from 1H 2022). Profit margin: 16% (down from 18% in 1H 2022).
Reported Earnings • Sep 23Full year 2022 earnings releasedFull year 2022 results: Revenue: kr.188.8m (up 31% from FY 2021). Net income: kr.7.79m (down 69% from FY 2021). Profit margin: 4.1% (down from 18% in FY 2021). The decrease in margin was driven by higher expenses.
Reported Earnings • Sep 23Full year 2021 earnings released: EPS kr.0.07 (vs kr.0.032 in FY 2020)The company reported a strong full year result with improved earnings, revenues and profit margins. Full year 2021 results: Revenue: kr.143.8m (up 18% from FY 2020). Net income: kr.25.4m (up 113% from FY 2020). Profit margin: 18% (up from 9.8% in FY 2020). The increase in margin was driven by higher revenue.
Board Change • May 20Less 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 Director Katja Moesgaard was the last independent director to join the board, commencing their role in 2022. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.
공시 • Oct 01AGF A/S, Annual General Meeting, Oct 23, 2025AGF A/S, Annual General Meeting, Oct 23, 2025, at 16:00 Romance Standard Time. Location: fredensvang, 1st floor, terp skovvej 18a, 8260 viby j, Denmark
공시 • Sep 25AGF A/S has completed a Follow-on Equity Offering in the amount of DKK 70 million.AGF A/S has completed a Follow-on Equity Offering in the amount of DKK 70 million. Security Name: Class B Shares Security Type: Common Stock Securities Offered: 87,500,000 Price\Range: DKK 0.8 Transaction Features: Subsequent Direct Listing
공시 • Sep 18AGF A/S has filed a Follow-on Equity Offering in the amount of DKK 70 million.AGF A/S has filed a Follow-on Equity Offering in the amount of DKK 70 million. Security Name: Class B Shares Security Type: Common Stock Securities Offered: 90,000,000 Price\Range: DKK 0.777778 Transaction Features: Subsequent Direct Listing
공시 • Oct 02AGF A/S, Annual General Meeting, Oct 24, 2024AGF A/S, Annual General Meeting, Oct 24, 2024, at 16:00 Romance Standard Time. Location: atdjurslands bank arena, privatsikring lounge, 2nd floor, stadion alle 70, 8000 aarhus c, Denmark
Reported Earnings • Sep 27Full year 2024 earnings released: EPS: kr.0.13 (vs kr.0.057 in FY 2023)Full year 2024 results: EPS: kr.0.13 (up from kr.0.057 in FY 2023). Revenue: kr.185.6m (up 4.2% from FY 2023). Net income: kr.60.4m (up 166% from FY 2023). Profit margin: 33% (up from 13% in FY 2023). The increase in margin was primarily driven by lower expenses. Over the last 3 years on average, earnings per share has increased by 47% per year but the company’s share price has fallen by 1% per year, which means it is significantly lagging earnings.
New Risk • Sep 08New minor risk - Financial data availabilityThe company's latest financial reports are more than 6 months old. Last reported fiscal period ended December 2023. This is considered a minor risk. If the company has not reported its earnings on time, it may have been delayed due to audit problems or it may be finding it difficult to reconcile its accounts. Currently, the following risks have been identified for the company: Major Risk High level of non-cash earnings (125% accrual ratio). Minor Risks Latest financial reports are more than 6 months old (reported December 2023 fiscal period end). Share price has been volatile over the past 3 months (7.9% average weekly change). Market cap is less than US$100m (€41.2m market cap, or US$45.7m).
Reported Earnings • Feb 26First half 2024 earnings released: EPS: kr.0.15 (vs kr.0.036 in 1H 2023)First half 2024 results: EPS: kr.0.15 (up from kr.0.036 in 1H 2023). Revenue: kr.95.9m (up 10% from 1H 2023). Net income: kr.68.2m (up 399% from 1H 2023). Profit margin: 71% (up from 16% in 1H 2023). Over the last 3 years on average, earnings per share has increased by 32% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.
New Risk • Jan 18New 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 11% 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 Risks Share price has been highly volatile over the past 3 months (11% average weekly change). High level of non-cash earnings (134% accrual ratio). Minor Risks Shareholders have been diluted in the past year (20% increase in shares outstanding). Market cap is less than US$100m (€38.1m market cap, or US$41.5m).
Reported Earnings • Sep 23Full year 2023 earnings releasedFull year 2023 results: Revenue: kr.178.1m (down 5.7% from FY 2022). Net income: kr.22.7m (up 192% from FY 2022). Profit margin: 13% (up from 4.1% in FY 2022). The increase in margin was driven by lower expenses.
New Risk • Aug 24New minor risk - Financial data availabilityThe company's latest financial reports are more than 6 months old. Last reported fiscal period ended December 2022. This is considered a minor risk. If the company has not reported its earnings on time, it may have been delayed due to audit problems or it may be finding it difficult to reconcile its accounts. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (12% average weekly change). High level of non-cash earnings (124% accrual ratio). Minor Risks Latest financial reports are more than 6 months old (reported December 2022 fiscal period end). Profit margins are more than 30% lower than last year (2.5% net profit margin). Shareholders have been diluted in the past year (20% increase in shares outstanding). Market cap is less than US$100m (€37.3m market cap, or US$40.4m).
Reported Earnings • Feb 26First half 2023 earnings releasedFirst half 2023 results: Revenue: kr.87.1m (down 5.0% from 1H 2022). Net income: kr.13.7m (down 19% from 1H 2022). Profit margin: 16% (down from 18% in 1H 2022).
Board Change • Nov 16Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 2 experienced directors. 4 highly experienced directors. Independent Director Kim Larsen was the last director to join the board, commencing their role in 2018. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
Reported Earnings • Sep 23Full year 2022 earnings releasedFull year 2022 results: Revenue: kr.188.8m (up 31% from FY 2021). Net income: kr.7.79m (down 69% from FY 2021). Profit margin: 4.1% (down from 18% in FY 2021). The decrease in margin was driven by higher expenses.
Board Change • Apr 27Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 3 experienced directors. 3 highly experienced directors. Independent Director Kim Larsen was the last director to join the board, commencing their role in 2018. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
Reported Earnings • Sep 23Full year 2021 earnings released: EPS kr.0.07 (vs kr.0.032 in FY 2020)The company reported a strong full year result with improved earnings, revenues and profit margins. Full year 2021 results: Revenue: kr.143.8m (up 18% from FY 2020). Net income: kr.25.4m (up 113% from FY 2020). Profit margin: 18% (up from 9.8% in FY 2020). The increase in margin was driven by higher revenue.
Reported Earnings • Feb 25First half 2021 earnings released: EPS kr.0.046 (vs kr.0.035 in 1H 2020)The company reported a strong first half result with improved earnings, revenues and profit margins. First half 2021 results: Revenue: kr.70.8m (up 7.4% from 1H 2020). Net income: kr.17.3m (up 31% from 1H 2020). Profit margin: 25% (up from 20% in 1H 2020).
Reported Earnings • Sep 27Full year earnings released - EPS €0.032Over the last 12 months the company has reported total profits of kr.11.9m, up 13% from the prior year. Total revenue was kr.122.0m over the last 12 months, down 6.6% from the prior year. Profit margins were 9.8%, which is higher than the 8.1% margin from last year. The increase in margin was driven by lower expenses.