YOLFTbeta
Alisa Pankki Oyj

Alisa Pankki Oyj

ALISA · HE · Financial Services / Banks - Regional

0.11EUR-0.00 (-2.65%)

Price History

Full chart

Market Stats

Previous Close0.113
Open0.113
Day Range0.1055 – 0.113
52-Week Range0.1025 – 0.245
Volume69.23K
Market Cap20.55M
P/E (TTM)0.00
Forward P/E9.00
EPS-0.01
Dividend Yield0.00%
Beta0.67
50-Day Avg0.1396
200-Day Avg0.1602

About

Alisa Pankki Oyj provides various banking and financial services to personal and business customers in Finland, Denmark, Sweden, and Germany. The company offers saving accounts, fixed-term deposits, personal and corporate loans, credit cards, invoice financing, corporate financing, and payment services, as well as mobile and online banking. The company was formerly known as Fellow Pankki Oyj and changed its name to Alisa Pankki Oyj in April 2023. Alisa Pankki Oyj was incorporated in 1983 and is headquartered in Helsinki, Finland.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Aki Gynther B.Sc.
  • Employees73
  • HeadquartersBulevardi 21 A, Helsinki, Finland, 00180, Finland
  • Websitehttps://www.alisapankki.fi

Leadership

  • Mr. Aki Gynther B.Sc.Chief Executive Officer · b. 1977
  • Mr. Sari SalmiInterim Chief Financial Officer
  • Ms. Satu UskiChief Information Officer · b. 1977
  • Ms. Katja VahasiltaDeputy CEO & General Counsel · b. 1969
  • Mr. Marko AholaChief Risk & Compliance Officer · b. 1981
  • Ms. Christina Wallenius B.B.A.Director of HR & Communications · b. 1978
  • Ms. Kukka Lehtimaki M.Sc.Deputy CEO & CFO (Leave of Absence) · b. 1988

Financials

Income Statement

Currency: EUR2009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue64.71M68.11M62.81M51.50M58.30M61.52M65.44M61.30M73.60M71.30M79.20M82.20M7.91M12.29M21.90M31.45M22.36M
Growth (%)-+5.27%-7.79%-18.00%+13.20%+5.52%+6.38%-6.33%+20.07%-3.13%+11.08%+3.79%-90.37%+55.28%+78.24%+43.62%-28.91%
Cost of Revenue---3.30M2.70M1.79M1.19M1.20M2.20M2.80M3.20M2.70M765.00K2.05M5.31M14.46M9.90M
Gross Profit---48.20M55.60M59.72M64.25M60.10M71.40M68.50M76.00M79.50M7.15M10.24M16.59M16.99M12.46M
Gross Margin---93.59%95.37%97.08%98.18%98.04%97.01%96.07%95.96%96.72%90.33%83.34%75.73%54.02%55.73%
Operating Expense---44.90M48.70M49.69M48.88M48.00M49.60M47.00M52.50M50.00M8.61M19.92M16.73M18.31M14.55M
Operating Income5.26M4.17M-778.00K3.30M6.90M10.03M15.37M12.10M21.80M21.50M23.50M29.50M-1.46M-9.68M-140.00K-1.32M-2.09M
Operating Margin8.13%6.13%-1.24%6.41%11.84%16.30%23.48%19.74%29.62%30.15%29.67%35.89%-18.50%-78.82%-0.64%-4.19%-9.36%
EBITDA5.26M4.17M-778.00K7.70M11.60M13.71M18.60M15.00M24.10M23.50M27.10M35.10M-969.00K-9.11M544.00K-33.00K299.00K
EBITDA Margin8.13%6.13%-1.24%14.95%19.90%22.29%28.43%24.47%32.74%32.96%34.22%42.70%-12.25%-74.17%2.48%-0.10%1.34%
Net Income2.89M2.36M2.85M1.60M5.00M6.81M11.48M9.60M16.70M16.00M17.20M21.90M-1.56M-10.59M-138.00K-1.20M-2.10M
Net Income Margin4.46%3.46%4.53%3.11%8.58%11.07%17.55%15.66%22.69%22.44%21.72%26.64%-19.77%-86.15%-0.63%-3.83%-9.41%
R&D------------0----
R&D as % of Total Revenue------------0.00%----
Interest Expense---3.30M2.70M1.79M1.19M1.20M2.20M2.80M3.20M2.70M765.00K2.05M5.31M14.46M6.59M
Interest Expense % of Total Revenue---6.41%4.63%2.92%1.82%1.96%2.99%3.93%4.04%3.28%9.67%16.66%24.27%45.98%29.47%

Balance Sheet

Currency: EUR2009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets690.81M652.76M581.92M595.60M576.00M490.05M632.25M755.00M960.70M815.50M923.20M772.60M22.42M291.66M312.40M450.60M305.96M
Total Liabilities631.13M595.95M531.30M546.50M527.30M437.85M562.01M691.40M888.20M738.10M841.40M677.20M10.63M265.68M286.68M413.94M271.29M
Total Equity58.43M55.29M49.98M48.20M47.70M50.98M69.01M63.20M71.60M76.30M80.10M92.40M11.79M25.98M25.72M36.66M34.67M
Cash---118.70M61.00M104.00M127.99M203.10M383.20M239.70M305.70M331.60M3.46M126.47M134.82M288.06M210.74M
Total Debt210.83M84.28M80.98M61.90M55.70M33.30M35.87M46.40M97.80M166.90M153.70M140.80M8.52M6.31M6.71M7.07M6.20M
Net Debt210.83M84.28M80.98M-56.80M-5.30M-70.70M-92.12M-156.70M-285.40M-72.80M-152.00M-190.80M8.52M-120.16M-128.11M-280.99M-204.54M

Cash Flow

Currency: EUR2009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow123.90M25.70M34.87M-81.80M14.20M42.08M43.32M41.80M172.90M-125.80M87.20M44.50M6.12M114.46M9.14M170.35M-68.63M
Investing Cash Flow-71.98M-41.24M130.87M-1.00M-4.90M-491.00K-8.07M-10.20M-2.50M-2.20M-5.90M-900.00K-1.31M-1.76M-637.00K1.56M-572.00K
Financing Cash Flow-1.57M-565.00K-840.00K-3.70M-6.00M-4.20M6.25M-8.40M-10.20M-13.10M-17.40M-16.80M-5.25M10.32M-147.00K-18.67M-348.00K
Capital Expenditure6.98M3.35M5.00M1.60M2.10M773.00K1.73M3.06M1.90M2.20M5.90M800.00K1.31M994.00K746.00K23.00K572.00K
Free Cash Flow116.92M22.34M29.87M-83.40M12.10M41.31M41.60M38.70M171.00M-128.00M81.30M43.70M4.81M113.47M8.39M169.76M-69.20M
Dividends Paid2.83M5.72M5.27M2.70M5.50M4.63M8.58M7.60M9.20M12.20M14.40M15.30M17.40M----
FCF to OCF94.37%86.95%85.66%101.96%85.21%98.16%96.02%92.58%98.90%101.75%93.23%98.20%78.59%99.13%91.84%99.66%100.83%
Dividend Paid to FCF2.42%25.62%17.66%-3.24%45.45%11.21%20.63%19.64%5.38%-9.53%17.71%35.01%361.67%----

Earnings

Report DateDec 31, 2015Mar 31, 2016Jun 30, 2016Sep 30, 2016Jan 24, 2017Apr 24, 2017Jul 14, 2017Oct 26, 2017Jan 25, 2018Apr 25, 2018Jul 13, 2018Oct 30, 2018Jan 23, 2019Apr 26, 2019Jul 12, 2019Oct 22, 2019Jan 24, 2020Apr 16, 2020Jul 14, 2020Oct 23, 2020Jan 22, 2021Apr 15, 2021Jul 14, 2021Oct 20, 2021Jan 25, 2022Apr 21, 2022Jul 15, 2022Oct 20, 2022Feb 16, 2023Jun 29, 2023Aug 18, 2023Oct 26, 2023Jan 23, 2024Apr 18, 2024Jul 17, 2024Nov 29, 2024Feb 28, 2025May 16, 2025
EPS Estimate--------0.15-0.19-0.09-0.15-0.20-0.15-0.29-0.29-0.32--0.08-0.32-0.01----0.02-0.01-
EPS Actual0.250.000.080.000.070.000.160.000.200.000.160.000.070.000.160.000.240.000.180.000.420.000.250.000.460.00-0.080.00-0.030.000.460.000.000.000.000.000.000.00
Surprise--------33.33%--15.79%--22.22%-6.67%-20.00%-20.00%-44.83%--13.79%-43.75%-5.75%--108.66%-4500.00%---100.00%--100.00%-
Timing----Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-market--After-hoursAfter-hoursAfter-hoursPre-marketAfter-hours------

Key Statistics & Ratios

Market Cap20.55M
Enterprise Value59.23M
Trailing P/E0.00
Forward P/E9.00
PEG Ratio0.08
Price / Sales1.31
Price / Book0.59
EPS-0.01
Book Value0.219
Revenue (TTM)15.67M
Gross Profit (TTM)6.63M
EBITDA1.59M
Profit Margin-14.70%
Operating Margin-2.33%
Return on Equity-6.79%
Return on Assets0.38%
Shares Outstanding150.02M
Shares Float99.19M
Beta0.67
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%