YOLFTbeta
Pareto Bank ASA

Pareto Bank ASA

PARB · OL · Financial Services / Banks - Regional

49.80NOK-0.05 (-0.10%)

Price History

Full chart

Market Stats

Previous Close49.85
Open49.85
Day Range48.80 – 50.40
52-Week Range52.10 – 85.41
Volume140.56K
Market Cap4.03B
P/E (TTM)11.24
Forward P/E9.68
EPS4.67
Dividend Yield15.12%
Beta0.43
50-Day Avg58.38
200-Day Avg72.80

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

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMs. Tiril Haug Villum
  • Employees69
  • HeadquartersDronning Mauds gate 3, Oslo, Norway, 0123, Norway
  • 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: NOK2008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue95.80M154.28M230.00M366.67M443.61M247.10M308.00M356.60M455.40M535.97M558.80M690.35M748.89M848.97M963.64M1.12B1.25B1.30B
Growth (%)-+61.04%+49.08%+59.42%+20.98%-44.30%+24.65%+15.78%+27.71%+17.69%+4.26%+23.54%+8.48%+13.36%+13.51%+16.25%+11.84%+3.37%
Cost of Revenue------00000-------
Gross Profit------289.25M325.02M427.28M527.54M558.60M662.58M------
Gross Margin------93.91%91.14%93.82%98.43%99.97%95.98%------
Operating Expense-------195.82M82.68M98.81M112.58M119.87M138.05M------
Operating Income60.08M110.92M181.30M292.20M368.13M425.63M485.07M242.34M328.48M414.97M438.74M524.53M------
Operating Margin62.71%71.90%78.83%79.69%82.98%172.25%157.49%67.96%72.13%77.42%78.51%75.98%------
EBITDA-----429.50M488.80M455.70M535.53M592.50M644.71M802.02M800.66M827.93M----
EBITDA Margin-----173.82%158.70%127.79%117.60%110.55%115.37%116.18%106.91%97.52%----
Net Income-----116.20M162.00M174.60M247.31M312.59M330.78M397.63M428.37M504.54M555.50M605.46M687.27M675.61M
Net Income Margin-----47.03%52.60%48.96%54.31%58.32%59.19%57.60%57.20%59.43%57.65%54.05%54.85%52.16%
Interest Expense0000000000192.55M261.60M220.28M145.37M307.61M803.93M1.01B1.06B
Interest Expense % of Total Revenue0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%34.46%37.89%29.41%17.12%31.92%71.76%80.66%81.51%

Balance Sheet

Currency: NOK2007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets742.08M2.57B3.96B6.17B7.64B8.28B8.89B11.34B11.14B12.94B13.10B15.61B17.51B19.48B19.98B22.30B25.85B27.24B25.34B
Total Liabilities6.61M1.83B3.21B5.43B6.87B7.47B7.86B10.13B9.79B10.96B10.98B13.10B14.25B15.94B16.16B18.08B20.84B21.80B19.60B
Total Equity735.47M744.11M746.27M747.55M769.70M811.80M1.03B1.21B1.35B1.99B2.13B2.51B3.26B3.54B3.82B4.22B5.00B5.44B5.74B
Cash107.91M134.66M363.31M407.76M364.63M264.08M100.10M215.50M459.20M57.08M61.01M68.06M351.30M570.88M71.96M72.69M435.57M74.66M77.55M
Total Debt------1.64B2.50B3.17B6.37B7.09B5.28B5.89B5.21B6.36B----
Net Debt------1.54B2.29B2.71B3.10B3.46B5.21B5.54B4.63B6.29B7.53B8.02B7.97B7.37B

Cash Flow

Currency: NOK2013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow229.40M-135.10M423.30M-391.69M-254.43M-1.72B-382.15M1.00B-975.33M-1.09B332.28M2.17B414.85M
Investing Cash Flow--4.55M-6.04M-3.25M-71.67M-20.77M41.67M-3.46M-5.00M-5.45M-17.39M-6.09M-5.76M
Financing Cash Flow-46.00M36.50M-41.50M377.53M-181.47M1.71B945.23M-840.76M806.46M933.87M588.50M-1.17B-1.46B
Capital Expenditure1.00M4.50M6.00M3.25M11.91M12.42M5.72M7.41M13.13M874.00K18.81M11.13M9.09M
Free Cash Flow228.40M-139.60M417.30M-394.94M-266.33M-1.74B-387.87M993.76M-988.46M-1.10B313.47M2.16B405.75M
Dividends Paid25.50M25.50M25.50M10.38M58.62M93.79M41.03M139.70M209.56M260.88M269.63M299.45M318.65M
FCF to OCF99.56%103.33%98.58%100.83%104.68%100.72%101.50%99.26%101.35%100.81%94.34%99.49%97.81%
Dividend Paid to FCF11.16%-18.27%6.11%-2.63%-22.01%-5.40%-10.58%14.06%-21.20%-23.77%86.01%13.89%78.53%

Earnings

Report DateSep 3, 2014Dec 3, 2014Jan 29, 2015Apr 22, 2015Jul 16, 2015Oct 21, 2015Feb 4, 2016Apr 21, 2016Jul 20, 2016Oct 20, 2016Jan 26, 2017Apr 27, 2017Jul 20, 2017Oct 26, 2017Jan 25, 2018Apr 25, 2018Jul 19, 2018Oct 25, 2018Jan 24, 2019May 3, 2019Aug 9, 2019Oct 24, 2019Jan 23, 2020Apr 30, 2020Jul 16, 2020Oct 28, 2020Jan 27, 2021Apr 28, 2021Jul 20, 2021Oct 27, 2021Jan 27, 2022Apr 27, 2022Jul 20, 2022Oct 20, 2022Jan 25, 2023Apr 25, 2023Jul 18, 2023Oct 24, 2023Jan 25, 2024Apr 25, 2024Jul 19, 2024Oct 24, 2024Jan 24, 2025Apr 30, 2025Jul 18, 2025Oct 30, 2025Jan 29, 2026Apr 30, 2026Jul 16, 2026Oct 29, 2026
EPS Estimate----0.901.001.11-1.061.081.031.001.181.141.341.231.281.461.361.431.381.381.411.291.191.441.481.551.661.781.751.711.621.841.961.932.031.981.941.972.052.132.072.062.132.051.931.771.370.72
EPS Actual0.921.090.570.871.301.100.570.911.231.321.111.301.271.461.241.341.571.281.191.671.231.341.610.971.791.451.771.681.851.801.771.641.841.852.391.792.031.892.012.152.152.081.912.162.442.131.390.840.32-
Surprise----44.44%10.00%-48.65%-16.04%22.22%7.77%30.00%7.63%28.07%-7.46%8.94%22.66%-12.33%-12.50%16.78%-10.87%-2.90%14.18%-24.81%50.42%0.69%19.59%8.39%11.45%1.12%1.14%-4.09%13.58%0.54%21.94%-7.25%0.00%-4.55%3.61%9.14%4.88%-2.35%-7.73%4.85%14.55%3.90%-27.98%-52.54%-76.64%-
Timing--After-hoursAfter-hoursPre-marketAfter-hoursAfter-hours-Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursPre-market

Key Statistics & Ratios

Market Cap4.03B
Enterprise Value10.37B
Trailing P/E11.24
Forward P/E9.68
Price / Sales5.36
Price / Book0.81
EPS4.67
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 Outstanding76.78M
Shares Float72.06M
Beta0.43
Dividend Yield15.12%
Dividend Rate8.00
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
20151×
0.57Mar 27, 2015

Stock Splits

  • Jun 6, 20191001:999
  • Nov 25, 2016919:897
  • Feb 5, 2016690:671
  • May 4, 201550:1