Instabank ASA

OB:INSTA Stock Report

Market Cap: NOK 754.6m

Instabank Past Earnings Performance

Past criteria checks 2/6

Instabank has been growing earnings at an average annual rate of 19.8%, while the Banks industry saw earnings growing at 15.1% annually. Revenues have been growing at an average rate of 14.6% per year. Instabank's return on equity is 9.5%, and it has net margins of 30.3%.

Key information

19.8%

Earnings growth rate

17.3%

EPS growth rate

Banks Industry Growth10.2%
Revenue growth rate14.6%
Return on equity9.5%
Net Margin30.3%
Next Earnings Update07 Feb 2025

Recent past performance updates

Recent updates

Is Now The Time To Put Instabank (OB:INSTA) On Your Watchlist?

Sep 01
Is Now The Time To Put Instabank (OB:INSTA) On Your Watchlist?

Instabank ASA's (OB:INSTA) CEO Will Probably Find It Hard To See A Huge Raise This Year

Apr 01
Instabank ASA's (OB:INSTA) CEO Will Probably Find It Hard To See A Huge Raise This Year

Chief Executive Officer Robert Berg Just Bought 2.0% More Shares In Instabank ASA (OB:INSTA)

Feb 21
Chief Executive Officer Robert Berg Just Bought 2.0% More Shares In Instabank ASA (OB:INSTA)

I Ran A Stock Scan For Earnings Growth And Instabank (OB:INSTA) Passed With Ease

Dec 23
I Ran A Stock Scan For Earnings Growth And Instabank (OB:INSTA) Passed With Ease

Revenue & Expenses Breakdown

How Instabank makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

OB:INSTA Revenue, expenses and earnings (NOK Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 24319971810
30 Jun 24310981710
31 Mar 24298951650
31 Dec 232971011580
30 Sep 232851011490
30 Jun 23268911440
31 Mar 23262851450
31 Dec 22257821460
30 Sep 22257821350
30 Jun 22260881310
31 Mar 22254901230
31 Dec 21239831150
30 Sep 21224721240
30 Jun 21206611210
31 Mar 21187511150
31 Dec 20170431100
30 Sep 20165431030
30 Jun 20164441030
31 Mar 20163431090
31 Dec 19171411130
30 Sep 19162351130
30 Jun 19155281140
31 Mar 19153251090
31 Dec 18142261050
30 Sep 1813020990
30 Jun 1811315890
31 Mar 18989820
31 Dec 17792730
30 Sep 1757-8690
30 Jun 1734-17580
31 Mar 1714-20430
31 Dec 162-17290

Quality Earnings: INSTA has high quality earnings.

Growing Profit Margin: INSTA's current net profit margins (30.3%) are lower than last year (35.5%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: INSTA's earnings have grown by 19.8% per year over the past 5 years.

Accelerating Growth: INSTA's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: INSTA had negative earnings growth (-4.3%) over the past year, making it difficult to compare to the Banks industry average (18.2%).

Return on Equity

High ROE: INSTA's Return on Equity (9.5%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/23 06:13
End of Day Share Price 2024/12/20 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Instabank ASA is covered by 2 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Vegard ToverudPareto Securities
Herman ZahlPareto Securities