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Kraft Bank Asa

Kraft Bank Asa

KRAB · OL · Financial Services / Banks - Regional

12.15NOK+0.00 (0.00%)

Price History

Full chart

Market Stats

Previous Close12.15
Open11.80
Day Range11.80 – 12.15
52-Week Range9.68 – 14.37
Volume17.11K
Market Cap512.99M
P/E (TTM)8.26
Forward P/E5.11
EPS1.52
Dividend Yield10.04%
Beta0.45
50-Day Avg13.28
200-Day Avg13.43

About

Kraft Bank ASA provides refinancing of loans with mortgages on housing and loans without collateral to individuals in Norway. The company operates through two segments, Banking and Loan Brokerage. It also provides deposit and saving products, investment, and financial advice and aid services. Kraft Bank ASA was founded in 2016 and is based in Sandnes, Norway.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Svein Ivar Forland A.C.A.
  • Employees48
  • HeadquartersTrim Towers, Sandnes, Norway, 4313, Norway
  • Websitehttps://kraftbank.no

Leadership

  • Mr. Svein Ivar Forland A.C.A.CEO & GM · b. 1969
  • Mr. Ole Jacob OlsnesChief Financial Officer
  • Mr. Sune Svela MadlandDirector of Customer & Market
  • Sylvi MaldalEmployee Representative Board Member & Director of Business Development and Support
  • Cathrin SæterLawyer & Board Secretary

Financials

Income Statement

Currency: NOK2017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue-7.80M49.32M87.48M130.90M146.52M138.53M150.21M213.84M
Growth (%)--+532.26%+77.38%+49.64%+11.93%-5.45%+8.43%+42.36%
Net Income-4.13M-10.79M7.81M26.87M46.24M46.47M42.34M27.56M65.04M
Net Income Margin--138.35%15.83%30.71%35.33%31.71%30.56%18.35%30.41%
Interest Expense0611.00K16.10M25.41M25.44M53.09M132.55M184.11M201.43M
Interest Expense % of Total Revenue-7.83%32.64%29.05%19.44%36.24%95.68%122.57%94.19%

Balance Sheet

Currency: NOK2017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets1.75M459.77M1.21B2.02B2.88B3.72B3.78B4.38B4.42B
Total Liabilities435.00K178.54M920.97M1.70B2.51B3.32B3.34B3.93B3.91B
Total Equity1.31M281.22M291.35M318.21M364.45M400.21M442.43M457.39M506.89M
Net Debt-----40.33M40.34M40.37M40.35M

Cash Flow

Currency: NOK2017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-3.70M-8.70M14.24M45.70M58.99M72.41M117.90M147.48M233.15M
Investing Cash Flow0-34.67M-152.41M-217.03M-101.17M62.30M-56.25M-133.60M2.47M
Financing Cash Flow4.50M100.39M109.00M226.71M-2.96M-159.66M-2.36M18.23M-237.07M
Capital Expenditure05.67M1.45M2.64M4.31M1.89M3.79M9.83M9.46M
Free Cash Flow--14.36M12.78M43.05M54.68M70.52M114.11M137.65M223.69M
Dividends Paid--10.50M10.50M10.50M10.50M-12.60M15.54M
FCF to OCF-165.14%89.80%94.21%92.69%97.40%96.79%93.33%95.94%
Dividend Paid to FCF--82.13%24.39%19.20%14.89%-9.15%6.95%

Earnings

Report DateApr 23, 2021Aug 13, 2021Oct 28, 2021Feb 4, 2022Apr 29, 2022Aug 12, 2022Oct 31, 2022Feb 7, 2023Apr 28, 2023Aug 11, 2023Nov 4, 2023Feb 8, 2024Apr 26, 2024Aug 15, 2024Oct 25, 2024Feb 6, 2025May 12, 2025Oct 22, 2025Mar 23, 2026May 11, 2026Aug 14, 2026
EPS Estimate0.190.280.270.350.310.290.290.220.180.210.190.160.120.190.260.34-----
EPS Actual0.240.280.310.270.290.330.240.240.300.410.240.070.140.060.270.250.300.380.470.470.32
Surprise26.32%0.00%14.81%-22.86%-6.45%13.79%-17.24%9.09%66.67%95.24%26.32%-56.25%16.67%-68.42%3.85%-26.47%-----
Timing-Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-market-Pre-market-

Key Statistics & Ratios

Market Cap512.99M
Enterprise Value513.57M
Trailing P/E8.26
Forward P/E5.11
Price / Sales2.52
Price / Book1.02
EPS1.52
Book Value12.08
Revenue (TTM)203.57M
Gross Profit (TTM)203.57M
Profit Margin33.37%
Operating Margin37.32%
Return on Equity13.88%
Return on Assets1.38%
Shares Outstanding40.88M
Shares Float40.88M
Beta0.45
Dividend Yield10.04%
Dividend Rate1.26
Payout Ratio76.80%

Dividends

20262×
0.50Aug 20, 20260.76Mar 27, 2026
20251×
0.37Apr 9, 2025
20241×
0.30May 31, 2024
20221×
0.25May 19, 2022