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Instabank ASA (OSL:INSTA)
Norway flag Norway · Delayed Price · Currency is NOK
4.820
0.00 (0.00%)
Nov 13, 2026, 4:25 PM CET

Instabank ASA Financials Overview

Millions NOK. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
519.73413.35334.87297.34257.35239.11
Revenue Growth
34.37%23.44%12.62%15.54%7.63%40.47%
Net Income
168.29122.7998.12100.8782.2483.45
Earnings Per Share
0.350.290.250.260.230.24
EPS Growth
45.11%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 EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
2.29327.4417.85243.67193.03282.49
Total Debt
194.21200.51111.01133.01100.3762.6
Net Cash (Debt)
-191.92126.89306.85110.6692.65219.89
Net Cash Growth
--58.65%177.28%19.44%-57.86%56.38%
Net Cash Per Share
-0.400.300.770.280.260.62

Cash Flow & CapEx
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '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 EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
32.38%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 EndingNov '26 Dec '25 Dec '24
Dividend Per Share
0.0900.0900.080
Dividend Per Share Growth
0%12.50%-
Dividend Yield
1.87%2.62%4.00%

Valuation
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingNov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
13.9012.647.716.547.388.13
Forward PE
10.789.826.038.288.216.94
PS Ratio
4.283.762.262.222.362.84