Instabank ASA (OSL:INSTA)
Norway · Delayed Price · Currency is NOK 4.950
-0.020 (-0.40%)
Aug 4, 2026, 4:25 PM CET
Instabank ASA Financials Overview
Financials in millions NOK. Fiscal year is January - December.
Millions NOK. Fiscal year is Jan - Dec.
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Revenue Revenue Growth | 978.08 | 922.2 | 793.14 | 656.41 | 440.69 | 366.58 |
Revenue Growth | 20.52% | 16.27% | 20.83% | 48.95% | 20.22% | 16.57% |
Gross Profit Gross Profit Growth | 655.38 | 610.43 | 492.18 | 441.08 | 357.58 | 319.99 |
Operating Income Operating Income Growth | 130.28 | 166.49 | 138.4 | 131.23 | 103.33 | 112.18 |
Net Income Net Income Growth | 132.41 | 122.79 | 98.12 | 100.87 | 82.24 | 83.45 |
Earnings Per Share EPS Growth | 0.30 | 0.29 | 0.25 | 0.26 | 0.23 | 0.24 |
EPS Growth | 11.11% | 16.00% | -3.85% | 13.04% | -4.17% | 100.00% |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 |
Unsecured Consumer Loans Unsecured Consumer Loans Growth | 190.61 | 174.22 | 161.01 | 174.5 |
Mortgages Mortgages Growth | 134.51 | 130.07 | 111.66 | 96.88 |
Business Lending Business Lending Growth | 94 | 79.92 | 29.34 | 1.24 |
Not Allocated Not Allocated Growth | 19.3 | 29.13 | 151.12 | 24.72 |
Total Total Growth | 438.42 | 413.35 | 453.12 | 297.35 |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash & Investments Cash & Investments Growth | 482.73 | 345.97 | 438.31 | 264.22 | 191.25 | 281.28 |
Total Debt Total Debt Growth | 9,277 | 8,497 | 6,928 | 6,223 | 4,948 | 4,103 |
Net Cash (Debt) Net Cash Growth | -8,794 | -8,151 | -6,489 | -5,958 | -4,757 | -3,822 |
Net Cash Growth | - | - | - | - | - | - |
Net Cash Per Share Net Cash Per Share Growth | -19.92 | -19.25 | -16.23 | -14.89 | -13.41 | -10.85 |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Dec '25 Dec 31, 2025 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Operating Cash Flow Operating Cash Flow Growth | -392.15 | -392.15 | 196.85 | 33.81 | -154.03 | 92.77 |
Capital Expenditures CapEx Growth | -0.18 | -0.18 | -0.27 | -0.82 | -0.11 | -0.07 |
Free Cash Flow Free Cash Flow Growth | -392.33 | -392.33 | 196.59 | 32.99 | -154.14 | 92.7 |
Free Cash Flow Growth | - | - | 495.93% | - | - | 350.88% |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Gross Margin | 67.01% | 66.19% | 62.05% | 67.20% | 81.14% | 87.29% |
Operating Margin | 13.32% | 18.05% | 17.45% | 19.99% | 23.45% | 30.60% |
Pretax Margin | 17.03% | 16.67% | 16.19% | 19.99% | 23.45% | 30.60% |
Profit Margin | 13.54% | 13.31% | 12.37% | 15.37% | 18.66% | 22.76% |
FCF Margin | 0.00% | -42.54% | 24.79% | 5.03% | -34.98% | 25.29% |
| Fiscal Year | Current | FY 2025 | FY 2024 |
|---|---|---|---|
| Period Ending | Aug '26 Aug 5, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 |
Dividend Per Share Dividend Per Share Growth | 0.090 | 0.090 | 0.080 |
Dividend Per Share Growth | 0% | 12.50% | - |
Dividend Yield | 1.81% | 2.16% | 0.00% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Aug '26 Aug 5, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
PE Ratio | 16.60 | 11.83 | 8.00 | 6.71 | 7.92 | 8.49 |
Forward PE | 13.22 | 9.82 | 6.03 | 8.28 | 8.21 | 6.94 |
P/FCF Ratio | - | - | 3.85 | 20.01 | - | 7.31 |
PS Ratio | 5.21 | 1.68 | 0.95 | 1.01 | 1.38 | 1.85 |