Instabank ASA

INSTA · OL · Financial Services / Banks - Regional

4.82NOK+0.00 (0.00%)

Price History

Full chart

Market Stats

Previous Close4.82

Open4.81

Day Range4.70 – 4.84

52-Week Range3.03 – 5.24

Volume338.58K

Market Cap2.30B

P/E (TTM)14.14

Forward P/E9.92

EPS0.35

Dividend Yield1.82%

Beta0.41

50-Day Avg4.96

200-Day Avg4.28

About

Instabank ASA provides various banking products and services in Norway. It accepts deposits and saving and investment accounts; offers consumer and secured loans, refinance, and credit cards, as well as loans for vehicles and boats; and provides credit cards. The company also provides payment, car, travel, contents, and dental health insurance products. Instabank ASA was incorporated in 2016 and is based in Oslo, Norway.

Company Details

SectorFinancial Services
IndustryBanks - Regional
CEOMr. Robert Berg
Employees62
HeadquartersDrammensveien 175, Oslo, Norway, 0277, Norway
Websitehttps://www.instabank.no

Leadership

Mr. Robert BergChief Executive Officer
Mr. Per-Kristian HaugChief Financial Officer
Anne JorgensenCOO
Mr. Farzad JalilyChief Technology Officer
Ms. Karen Therese EdelbergChief Compliance & Risk Officer
Jørgen RuiChief Marketing Officer
Mr. Kjetil Andre Welde KnudsenChief Risk Officer
Mr. Robert Leinders-KrogChief Commercial Officer

Financials

Income Statement

Currency: NOK	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	6.94M	119.33M	235.78M	295.32M	314.47M	358.60M	431.48M	645.78M	787.67M	610.43M
Growth (%)	-	+1618.43%	+97.59%	+25.26%	+6.48%	+14.03%	+20.32%	+49.67%	+21.97%	-22.50%
Cost of Revenue	-	17.95M	46.34M	53.16M	51.35M	38.61M	73.89M	204.69M	295.50M	-
Gross Profit	-	101.38M	189.43M	242.16M	263.13M	319.99M	357.58M	441.08M	492.18M	-
Gross Margin	-	84.96%	80.34%	82.00%	83.67%	89.23%	82.88%	68.30%	62.49%	-
Operating Expense	-	97.33M	155.44M	187.19M	206.12M	207.81M	254.25M	309.85M	363.73M	-
Operating Income	-26.79M	4.05M	34.00M	54.97M	57.01M	112.18M	103.33M	131.23M	128.45M	-
Operating Margin	-385.76%	3.39%	14.42%	18.61%	18.13%	31.28%	23.95%	20.32%	16.31%	-
EBITDA	-26.79M	6.83M	40.13M	63.69M	69.75M	126.28M	116.38M	143.67M	141.45M	-
EBITDA Margin	-385.76%	5.73%	17.02%	21.57%	22.18%	35.21%	26.97%	22.25%	17.96%	-
Net Income	-17.41M	2.30M	26.05M	41.24M	42.68M	83.45M	82.24M	100.87M	98.12M	122.79M
Net Income Margin	-250.68%	1.93%	11.05%	13.96%	13.57%	23.27%	19.06%	15.62%	12.46%	20.11%
Interest Expense	0	17.95M	46.34M	53.16M	51.35M	38.61M	73.89M	204.69M	295.50M	308.03M
Interest Expense % of Total Revenue	0.00%	15.04%	19.66%	18.00%	16.33%	10.77%	17.12%	31.70%	37.51%	50.46%

Balance Sheet

Currency: NOK	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	526.90M	2.11B	3.42B	3.54B	3.98B	4.83B	5.80B	7.28B	8.01B	9.89B
Total Liabilities	290.05M	1.83B	2.93B	2.97B	3.40B	4.17B	5.01B	6.33B	6.97B	8.50B
Total Equity	236.86M	282.67M	483.73M	567.63M	583.68M	666.11M	786.27M	948.14M	1.04B	1.39B
Total Debt	-	12.31M	65.00M	80.90M	56.00M	56.00M	96.00M	96.00M	96.00M	-
Net Debt	-	12.31M	65.00M	80.90M	56.00M	56.00M	96.00M	96.00M	96.00M	270.52M

Cash Flow

Currency: NOK	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	-21.68M	-97.49M	-121.92M	-6.66M	20.56M	92.77M	-154.03M	33.81M	196.85M	-392.15M
Investing Cash Flow	-400.85M	-11.09M	-16.13M	-10.71M	-9.74M	-7.22M	-6.91M	-16.45M	-14.19M	-12.01M
Financing Cash Flow	532.07M	39.96M	239.42M	58.08M	8.77M	-6.87M	70.91M	54.89M	-9.53M	310.88M
Capital Expenditure	1.44M	11.09M	16.13M	10.71M	9.74M	7.22M	6.91M	16.45M	14.19M	12.01M
Free Cash Flow	-23.12M	-108.58M	-138.05M	-17.37M	10.82M	85.55M	-160.94M	17.36M	182.66M	-404.16M
Dividends Paid	-	-	-	-	-	-	-	-	-	30.26M
FCF to OCF	106.65%	111.37%	113.23%	260.96%	52.62%	92.22%	104.48%	51.36%	92.79%	103.06%
Dividend Paid to FCF	-	-	-	-	-	-	-	-	-	-7.49%

Earnings

Report Date	Oct 19, 2017	Feb 8, 2018	May 2, 2018	Aug 12, 2018	Oct 29, 2018	Feb 8, 2019	Apr 26, 2019	Aug 15, 2019	Oct 28, 2019	Feb 11, 2020	May 7, 2020	Aug 12, 2020	Oct 28, 2020	Feb 9, 2021	May 6, 2021	Aug 13, 2021	Nov 5, 2021	Feb 10, 2022	May 6, 2022	Aug 11, 2022	Nov 3, 2022	Feb 7, 2023	Apr 26, 2023	Aug 10, 2023	Nov 1, 2023	Feb 8, 2024	Apr 30, 2024	Aug 15, 2024	Oct 31, 2024	Feb 7, 2025	May 9, 2025	Aug 15, 2025	Oct 31, 2025	Feb 6, 2026	May 7, 2026	Aug 13, 2026
EPS Estimate	0.02	0.02	0.03	0.05	0.04	0.06	0.04	0.03	0.03	0.03	-0.01	0.02	0.01	0.02	0.04	0.04	0.05	0.08	0.08	0.07	0.06	0.05	0.04	0.07	0.05	0.06	0.05	0.04	0.05	0.08	0.07	0.07	0.07	0.09	0.07	0.07
EPS Actual	0.02	0.01	0.02	0.05	0.02	0.02	0.02	0.03	0.03	0.04	0.01	0.02	0.04	0.04	0.04	0.06	0.07	0.08	0.06	0.12	0.17	0.08	0.07	0.05	0.07	0.06	0.05	0.07	0.07	0.07	0.06	0.05	0.08	0.10	0.07	0.10
Surprise	0.00%	-50.00%	-33.33%	0.00%	-50.00%	-66.67%	-50.00%	0.00%	0.00%	33.33%	200.00%	0.00%	300.00%	100.00%	0.00%	50.00%	40.00%	0.00%	-25.00%	71.43%	183.33%	60.00%	75.00%	-28.57%	40.00%	0.00%	0.00%	75.00%	40.00%	-12.50%	-14.29%	-28.57%	14.29%	11.11%	0.00%	42.86%
Timing	Pre-market	After-hours	After-hours	After-hours	Pre-market	Pre-market	Pre-market	After-hours	Pre-market	After-hours	Pre-market	After-hours	After-hours	After-hours	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	After-hours	After-hours	After-hours	After-hours	Pre-market	Pre-market	Pre-market	After-hours	Pre-market	Pre-market	Pre-market	After-hours	Pre-market	After-hours	After-hours

Key Statistics & Ratios

Market Cap2.30B

Enterprise Value2.46B

Trailing P/E14.14

Forward P/E9.92

Price / Sales4.72

Price / Book1.55

EPS0.35

Book Value2.79

Revenue (TTM)487.81M

Gross Profit (TTM)487.81M

Profit Margin32.26%

Operating Margin43.63%

Return on Equity12.38%

Return on Assets1.50%

Shares Outstanding464.82M

Shares Float129.57M

Beta0.41

Dividend Yield1.82%

Dividend Rate0.09

Payout Ratio25.71%

Dividends

20261×

0.09Apr 10, 2026

20251×

0.08Apr 11, 2025