Pareto Bank ASA

0RI3 · LSE

49.80NOK-1.00 (-1.97%)

Price History

Full chart

Market Stats

Previous Close50.80

Open50.80

Day Range49.73 – 50.80

52-Week Range53.00 – 84.91

Volume14.29K

Market Cap4.34B

P/E (TTM)0.08

Forward P/E0.00

EPS7.05

Dividend Yield9.09%

Beta0.40

50-Day Avg52.31

200-Day Avg52.65

About

Pareto Bank ASA provides various banking products and services in Norway. The company accepts corporate and private deposits. It also offers business financing, such as acquisition, buyout, recapitalization, owner, bridging, operating and working capital, and operating loans; and land, construction, top funding, bridge financing, liquidity, and other credits. Pareto Bank ASA was incorporated in 2007 and is headquartered in Oslo, Norway.

Company Details

CEOMs. Tiril Haug Villum
Employees69
HeadquartersDronning Mauds gate 3, Oslo, Norway, 0123, UK
Websitehttps://www.paretobank.no

Leadership

Ms. Tiril Haug VillumMD & CEO
Mr. Vegard ToverudChief Financial Officer
Mr. Erik SkarbøvigHead of Corporate Finance
Mr. Per Oyvind SchiongDirector of Credit & Legal
Mr. Erling MorkCRO & Director of Risk Management
Hallbjorn NydalBank Manager Credit
Mats PresterudCompliance Officer
Jon Henrik Solberg PielaHead of Custody & Loan Administration
Eivind Romberg KvaaleSenior Vice President of Sweden
Erik AbrahamsenSenior Vice President of Sweden

Financials

Income Statement

Currency: NOK	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Revenue	160.77M	227.87M	289.25M	325.02M	658.79M	713.50M	760.14M	905.75M	976.21M	1.00B	1.28B	62.05M	3.40B	2.36B
Growth (%)	-	+41.74%	+26.93%	+12.37%	+102.69%	+8.30%	+6.54%	+19.15%	+7.78%	+2.57%	+27.79%	-95.15%	+5377.33%	-30.57%
Cost of Revenue	-	263.70M	264.90M	203.37M	231.51M	185.96M	201.54M	243.16M	266.54M	170.72M	359.15M	-935.64M	2.27B	1.24B
Gross Profit	160.77M	227.87M	289.25M	325.02M	427.28M	527.54M	558.60M	662.58M	709.67M	830.52M	920.31M	997.69M	1.13B	1.12B
Gross Margin	100.00%	100.00%	100.00%	100.00%	64.86%	73.94%	73.49%	73.15%	72.70%	82.95%	71.93%	1608.01%	33.13%	47.54%
Operating Expense	66.40M	74.97M	79.82M	82.68M	98.81M	112.58M	119.87M	138.05M	150.15M	162.37M	186.52M	184.64M	225.93M	238.55M
Operating Income	94.37M	152.90M	209.43M	242.34M	328.48M	414.97M	438.74M	524.53M	559.52M	668.16M	733.80M	813.05M	899.81M	883.04M
Operating Margin	58.70%	67.10%	72.41%	74.56%	49.86%	58.16%	57.72%	57.91%	57.32%	66.73%	57.35%	1310.42%	26.48%	37.43%
EBITDA	94.82M	153.30M	209.69M	235.63M	330.21M	416.13M	441.95M	534.03M	568.95M	680.87M	748.05M	811.89M	909.33M	902.92M
EBITDA Margin	58.98%	67.28%	72.49%	72.50%	50.12%	58.32%	58.14%	58.96%	58.28%	68.00%	58.47%	1308.55%	26.76%	38.27%
Net Income	67.66M	109.73M	154.22M	174.65M	247.31M	312.59M	330.78M	397.63M	428.37M	504.54M	555.50M	605.46M	636.82M	675.61M
Net Income Margin	42.08%	48.16%	53.32%	53.73%	37.54%	43.81%	43.52%	43.90%	43.88%	50.39%	43.42%	975.84%	18.74%	28.63%
Interest Expense	-	263.70M	264.90M	203.37M	197.07M	167.68M	192.55M	142.32M	107.11M	77.47M	194.32M	434.43M	1.01B	1.06B
Interest Expense % of Total Revenue	-	115.72%	91.58%	62.57%	29.91%	23.50%	25.33%	15.71%	10.97%	7.74%	15.19%	700.18%	29.74%	45.05%

Balance Sheet

Currency: NOK	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Assets	8.28B	8.89B	11.34B	11.14B	12.94B	13.10B	15.61B	17.51B	19.48B	19.98B	22.30B	25.85B	27.24B	25.34B
Total Liabilities	7.45B	7.97B	10.29B	9.79B	11.12B	11.03B	13.30B	14.45B	16.14B	16.36B	18.38B	20.84B	22.35B	20.15B
Total Equity	837.30M	918.61M	1.05B	1.35B	1.83B	2.08B	2.31B	3.06B	3.34B	3.62B	3.92B	5.00B	4.89B	5.19B
Cash	264.08M	546.48M	443.33M	821.76M	804.35M	356.55M	319.59M	924.35M	1.08B	907.42M	747.28M	1.65B	74.66M	77.55M
Total Debt	-	1.75B	2.66B	2.50B	3.32B	3.76B	5.47B	6.12B	6.43B	6.56B	7.92B	8.58B	8.63B	8.06B
Net Debt	-264.08M	1.20B	2.22B	1.67B	2.52B	3.41B	5.15B	5.19B	5.34B	5.66B	7.17B	6.93B	8.56B	7.98B

Cash Flow

Currency: NOK	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Operating Cash Flow	-450.09M	229.42M	-135.12M	425.96M	325.36M	317.17M	356.27M	-382.15M	1.00B	-968.90M	-1.09B	707.15M	873.00M	689.59M
Investing Cash Flow	-4.67M	-1.08M	-4.55M	-6.04M	-1.80B	-607.69M	-2.53B	41.67M	-3.46M	-5.00M	-5.45M	-2.68B	-497.27M	749.76M
Financing Cash Flow	354.21M	-46.02M	36.51M	-41.49M	1.46B	-157.28M	2.14B	945.23M	-840.76M	800.03M	933.87M	2.88B	613.71M	-2.49B
Capital Expenditure	137.00K	130.00K	37.00K	646.00K	3.25M	11.91M	12.42M	999.00K	3.08M	4.77M	874.00K	1.21M	3.87M	605.00K
Free Cash Flow	-450.23M	229.29M	-135.15M	425.31M	322.11M	305.26M	343.85M	-383.14M	998.09M	-973.67M	-1.09B	705.94M	869.13M	688.98M
Dividends Paid	-	25.50M	25.50M	36.27M	10.38M	58.62M	93.79M	52.51M	149.81M	218.46M	260.88M	308.62M	299.45M	318.65M
FCF to OCF	100.03%	99.94%	100.03%	99.85%	99.00%	96.25%	96.51%	100.26%	99.69%	100.49%	100.08%	99.83%	99.56%	99.91%
Dividend Paid to FCF	-	11.12%	-18.87%	8.53%	3.22%	19.20%	27.28%	-13.70%	15.01%	-22.44%	-23.95%	43.72%	34.45%	46.25%

Earnings

Report Date	Mar 31, 2017	Jun 30, 2017	Sep 30, 2017	Dec 31, 2017	Mar 31, 2018	Jun 30, 2018	Sep 30, 2018	Dec 31, 2018	Mar 31, 2019	Jun 30, 2019	Sep 30, 2019	Dec 31, 2019	Mar 31, 2020	Jun 30, 2020	Sep 30, 2020	Dec 31, 2020	Mar 31, 2021	Jun 30, 2021	Sep 30, 2021	Dec 31, 2021	Mar 31, 2022	Jun 30, 2022	Sep 30, 2022	Dec 31, 2022	Mar 31, 2023	Jun 30, 2023	Sep 30, 2023	Jan 25, 2024	Apr 25, 2024	Jul 19, 2024	Oct 24, 2024	Jan 24, 2025	Mar 31, 2025	Jun 30, 2025	Oct 30, 2025	Dec 31, 2025	Apr 30, 2026	Jul 17, 2026	Oct 29, 2026
EPS Estimate	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2.05	-	1.66	1.38	0.72
EPS Actual	1.33	1.28	1.46	1.25	1.35	1.59	1.31	1.22	1.70	1.25	1.38	1.64	1.02	1.83	1.47	1.81	1.71	1.88	1.83	1.80	1.67	1.90	1.91	2.46	1.87	2.21	2.02	2.15	2.29	2.32	2.26	1.91	2.32	2.44	2.13	1.39	0.84	0.32	-
Surprise	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	4.01%	-	-49.47%	-77.14%	-
Timing	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	Pre-market	After-hours	After-hours	After-hours	Pre-market	-	-	After-hours	-	After-hours	After-hours	After-hours

Key Statistics & Ratios

Market Cap4.34B

Enterprise Value10.51B

Trailing P/E0.08

Forward P/E0.00

Price / Sales3.88

Price / Book0.00

EPS7.05

Book Value60.77

Revenue (TTM)751.64M

Gross Profit (TTM)751.64M

Profit Margin54.55%

Operating Margin45.91%

Return on Equity7.67%

Return on Assets1.58%

Shares Outstanding58.62M

Shares Float45.92M

Beta0.40

Dividend Yield9.09%

Dividend Rate0.00

Payout Ratio1.71%

Dividends

20261×

8.00Apr 10, 2026

20251×

4.15Apr 4, 2025

20241×

3.90Apr 5, 2024

20231×

3.86Mar 31, 2023

20221×

3.50Apr 1, 2022

20211×

3.00Nov 26, 2021

20201×

2.00Oct 30, 2020

20191×

0.70Mar 29, 2019

20181×

1.60Mar 23, 2018

20171×

1.00Mar 24, 2017

Stock Splits

Jun 6, 20191001:999