Instabank ASA Ratios and Metrics

Market cap in millions NOK. Fiscal year is January - December.

Millions NOK. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Apr '26 Apr 1, 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
Market Capitalization	1,810	1,552	757	660	607	679
Market Cap Growth	119.55%	105.21%	14.61%	8.73%	-10.54%	20.71%
Last Close Price	4.00	3.43	1.93	1.68	1.75	1.95
PE Ratio	13.79	12.64	7.71	6.54	7.38	8.13
PS Ratio	4.38	3.76	2.26	2.22	2.36	2.84
PB Ratio	1.31	1.12	0.73	0.70	0.77	1.02
Debt / Equity Ratio	0.14	0.14	0.11	0.14	0.13	0.09
Net Debt / Equity Ratio	-0.09	-0.09	-0.29	-0.12	-0.12	-0.33
Net Debt / FCF Ratio	0.07	0.07	0.73	0.09	0.10	0.34
Return on Equity (ROE)	10.11%	10.11%	9.86%	11.63%	11.33%	13.35%
Return on Assets (ROA)	1.37%	1.37%	1.28%	1.54%	1.55%	1.89%
Earnings Yield	6.78%	7.91%	12.97%	15.28%	13.55%	12.30%
FCF Yield	-99.87%	-116.47%	-55.97%	-188.06%	-158.02%	-95.85%
Dividend Yield	2.25%	2.62%	4.15%	-	-	-
Payout Ratio	24.65%	24.64%	-	-	-	-
Buyback Yield / Dilution	-5.87%	-5.87%	0.03%	-12.80%	-0.68%	0.11%
Total Shareholder Return	-3.62%	-3.24%	4.17%	-12.80%	-0.68%	0.11%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.