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NOBA Bank

NOBA Bank

NOBA · ST · Financial Services / Banks - Diversified

94.60SEK+0.20 (+0.21%)

Price History

Full chart

Market Stats

Previous Close94.40
Open94.40
Day Range93.40 – 95.00
52-Week Range72.34 – 121.20
Volume492.54K
Market Cap43.05B
P/E (TTM)11.31
Forward P/E8.66
EPS7.61
Dividend Yield1.89%
50-Day Avg86.87
200-Day Avg90.90

About

NOBA Bank Group AB (publ) provides financial and banking products and services in Sweden, Norway, Finland, Denmark, Germany, Spain, Ireland, and the Netherlands. It operates through three brands namely, Nordax Bank, Bank Norwegian and Svensk Hypotekspension. The company's services include private loans, credit cards, specialist mortgages, equity release mortgages, cross-border lending, and deposits for retail customers. The company was formerly known as Nordax Bank AB (publ) and changed its name to NOBA Bank Group AB (publ) in June 2023. NOBA Bank Group AB (publ) was incorporated in 2003 and is based in Stockholm, Sweden.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Diversified
  • CEOMr. Carl Jacob Lundblad
  • Employees746
  • HeadquartersGävlegatan 22, Stockholm, Sweden, 113 30, Sweden
  • Websitehttps://www.noba.bank

Leadership

  • Mr. Carl Jacob LundbladChief Executive Officer · b. 1978
  • Mr. Mats LagerqvistCo-Founder & Data Scientist Manager · b. 1964
  • Mr. Patrick MacArthurChief Financial Officer · b. 1980
  • Ms. Malin JönssonChief Operating Officer · b. 1971
  • Mr. Adam WimanChief Technology Officer · b. 1986
  • Rickard StrandHead of Investor Relations
  • Elin Oberg ShayaChief Compliance Officer · b. 1985
  • Matthias FrostChief Legal Officer · b. 1979
  • Oliver HofmannHead of Communication & ESG
  • Mr. Samer SamirHead of Sales

Financials

Income Statement

Currency: SEK2020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue2.24B3.05B7.80B11.63B14.44B15.16B
Growth (%)-+36.28%+155.80%+49.04%+24.14%+5.06%
Cost of Revenue-479.00M1.28B3.51B4.85B3.88B
Gross Profit-2.57B6.52B8.11B9.59B11.28B
Gross Margin-84.30%83.62%69.78%66.42%74.38%
Operating Expense-2.60B5.20B6.60B6.71B6.67B
Operating Income704.00M-33.00M1.33B1.51B2.88B4.61B
Operating Margin31.46%-1.08%17.03%13.03%19.94%30.40%
EBITDA704.00M29.00M1.78B1.80B3.08B4.61B
EBITDA Margin31.46%0.95%22.79%15.48%21.31%30.40%
Net Income549.00M-40.00M882.00M1.07B2.00B3.41B
Net Income Margin24.53%-1.31%11.30%9.18%13.85%22.51%
Interest Expense-479.00M1.28B3.51B4.85B3.88B
Interest Expense % of Total Revenue-15.70%16.38%30.22%33.58%25.62%

Balance Sheet

Currency: SEK2020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets33.07B108.58B119.33B138.06B159.14B162.91B
Total Liabilities29.72B89.63B99.57B118.07B136.47B139.58B
Total Equity3.35B18.95B19.75B19.99B22.68B23.32B
Cash-1.92B3.72B1.17B9.31B1.15B
Total Debt5.34B19.21B19.69B18.30B20.29B28.46B
Net Debt5.34B17.28B15.96B17.13B10.98B27.31B

Cash Flow

Currency: SEK2020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow1.57B5.22B2.68B-2.68B6.85B10.24B
Investing Cash Flow-3.25B-13.65B-60.00M-75.00M-134.00M-18.80B
Financing Cash Flow2.31B11.23B-431.00M-56.00M17.84B2.93B
Capital Expenditure13.00M10.00M41.00M75.00M134.00M214.00M
Free Cash Flow1.56B5.21B2.64B-2.75B6.72B7.84B
Dividends Paid-150.00M81.00M121.00M202.00M196.00M
FCF to OCF99.17%99.81%98.47%102.80%98.04%76.60%
Dividend Paid to FCF-2.88%3.07%-4.39%3.01%2.50%

Earnings

Report DateNov 11, 2025Feb 4, 2026May 7, 2026Aug 18, 2026Nov 3, 2026
EPS Estimate1.941.821.932.142.29
EPS Actual2.021.921.942.16-
Surprise4.12%5.49%0.52%0.93%-
TimingPre-marketPre-marketPre-marketPre-marketPre-market

Key Statistics & Ratios

Market Cap43.05B
Enterprise Value72.77B
Trailing P/E11.31
Forward P/E8.66
Price / Sales5.25
Price / Book1.56
EPS7.61
Book Value48.39
Revenue (TTM)8.19B
Gross Profit (TTM)8.19B
Profit Margin49.05%
Operating Margin66.11%
Return on Equity15.53%
Return on Assets2.37%
Shares Outstanding500.00M
Shares Float352.25M
Dividend Yield1.89%
Dividend Rate1.60
Payout Ratio38.56%

Dividends

20261×
3.10May 22, 2026