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Instabank ASA (OSL:INSTA)
Norway flag Norway · Delayed Price · Currency is NOK
4.900
-0.010 (-0.20%)
Oct 23, 2026, 4:25 PM CEST

Instabank ASA Financials Overview

Millions NOK. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
487.81413.35334.87297.34257.35239.11
Revenue Growth
32.30%23.44%12.62%15.54%7.63%40.47%
Net Income
157.34122.7998.12100.8782.2483.45
Earnings Per Share
0.350.290.250.260.230.24
EPS Growth
38.82%16.00%-3.85%13.04%-4.17%100.00%

Revenue by Segment
Chart
Fiscal Year
FY 2025FY 2024FY 2023
Period EndingDec '25 Dec '24 Dec '23
Unsecured Consumer Loans
174.22161.01174.5
Mortgages
130.07111.6696.88
Business Lending
79.9229.341.24
Not Allocated
29.13151.1224.72
Total
413.35453.12297.35

Cash & Debt
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
18.11327.4417.85243.67193.03282.49
Total Debt
191.24200.51111.01133.01100.3762.6
Net Cash (Debt)
-173.13126.89306.85110.6692.65219.89
Net Cash Growth
--58.65%177.28%19.44%-57.86%56.38%
Net Cash Per Share
-0.380.300.770.280.260.62

Cash Flow & CapEx
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
--1,808-423.13-1,240-959.18-650.37
Capital Expenditures
--0.18-0.27-0.82-0.11-0.07
Free Cash Flow
--1,808-423.4-1,241-959.29-650.43
Free Cash Flow Growth
------

Margins
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
32.26%29.70%29.30%33.92%31.96%34.90%
FCF Margin
--437.43%-126.44%-417.47%-372.75%-272.02%

Dividends
Chart
Fiscal Year
CurrentFY 2025FY 2024
Period EndingOct '26 Dec '25 Dec '24
Dividend Per Share
0.0900.0900.080
Dividend Per Share Growth
0%12.50%-
Dividend Yield
1.84%2.62%4.00%

Valuation
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingOct '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
14.1112.647.716.547.388.13
Forward PE
11.619.826.038.288.216.94
PS Ratio
4.633.762.262.222.362.84