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    Banks - Regional
Instabank ASA

Instabank ASA

INSTA.OL
Instabank ASANO flagOslo Stock Exchange
4.38
NOK
+0.28
- -
1.65BMarket Cap
Instabank ASA
INSTA.OL
(Oslo Stock Exchange)

Recent

price

4.38

P/E

ratio

- -

div

yld

- -

ROIC.AI

2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
0.29
0.55
0.73
0.79
0.96
1.07
1.16
1.3
1.35
1.42
Revenue per Share
0.01
0.08
0.12
0.13
0.25
0.25
0.27
0.26
0.27
0.26
Basic EPS, GAAP
-0.32
-0.4
-0.05
0.03
0.26
-0.48
0.05
0.48
-0.89
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
0.07
- -
Dividend per Share
0.55
0.92
1.16
1
1
1
1
2
2.01
2.04
Book Value per Share
0.77
1.33
1.62
1.66
1.93
2.3
2.43
2.67
2.99
2.87
Tangible Book Value per Share
344
344
333
333
333
333
379
378
453
376
Basic Weighted Avg Shares
101
189
242
263
320
358
441
492
610
533
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
3
6
9
13
14
13
12
13
14
14
Depreciation Expense
2
26
41
43
83
82
101
98
123
98
Net Income, GAAP
43.22
23.37
24.98
25.14
25.61
20.41
23.13
23.61
20.13
23.6
Effective Tax Rate (%)
2.27
13.75
17.03
16.22
26.08
23
22.87
19.94
20.11
18.33
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
12
65
81
56
56
96
96
96
190
246
LT Debt
283
484
568
584
666
786
948
1,042
1,386
1,111
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
10.3
11.77
11.9
25.09
24.72
28.38
17.3
14.74
13.28
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
379
379
379
Market Capitalization
753
867
936

Working Capital

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
- -
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
19.14%
33.1%
Free Cash Flow
- -
184.5%
-321.26%
Net Income, GAAP
- -
27.83%
25.13%
Sales/Revenue/Turnover
- -
18.46%
24.03%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
117
121
128
126
492
2025
135
144
175
- -
610
2026
179
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.05
0.07
0.07
0.07
0.26
2025
0.06
0.06
0.11
- -
0.27
2026
0.07
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
0.07
2026
- -
- -
- -
- -
- -
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Business
Instabank ASA operates as a fully digital challenger bank providing consumer and business financing solutions across the Nordic region and Germany. Founded in 2016 and headquartered in Oslo, Norway, the company offers a range of products including savings accounts such as Sparekonto and Sparekonto Pluss; consumer loans, secured loans, refinancing options, vehicle and boat loans; credit cards; mortgages; payment, car, travel, contents, and dental health insurance; as well as business lending, kassekreditt, growth financing, and B2B finance solutions. Instabank serves private individuals and corporate customers primarily through its website and agents, targeting retail banking segments with fast, intuitive, and flexible digital services in Norway, Finland, Sweden, and Germany. Recent developments include the announcement on May 16, 2025, of the acquisition of a co-mortgage portfolio from an undisclosed Norwegian bank for NOK 2.53 million; expansion of product offerings in Germany in April 2025 to provide simple, transparent financial services beyond the Nordics; a subsequent offering completed in November 2025 with final allocation results; and an intra-group merger plan signed on June 27, 2025, to merge Instabank ASA into its wholly owned Finnish subsidiary Instafin Oy (to be renamed Instabank Finland), pending regulatory approvals from the European Central Bank and Norwegian Financial Supervisory Authority, with completion targeted for the first half of 2026 and a 1:1 share exchange ratio. These initiatives support Instabank's strategic shift toward a Finnish banking license and continued listing on Euronext Growth Oslo. The bank maintains approximately 53 employees and reports trailing twelve-month revenue of NOK 761.47 million and net income of NOK 97.80 million.