SpareBank 1 SMN (OSL:MING)
Norway · Delayed Price · Currency is NOK 195.00
+1.28 (0.66%)
Jul 27, 2026, 4:25 PM CET
SpareBank 1 SMN 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 | 17,719 | 8,928 | 8,947 | 7,501 | 5,768 | 4,806 |
Revenue Growth | -0.62% | -0.21% | 19.28% | 30.04% | 20.02% | 10.15% |
Net Income Net Income Growth | 12,870 | 4,117 | 4,339 | 3,489 | 2,593 | 1,873 |
Earnings Per Share EPS Growth | 18.22 | 19.08 | 20.10 | 16.87 | 12.82 | 13.31 |
EPS Growth | -8.16% | -5.08% | 19.15% | 31.59% | -3.68% | 50.06% |
| 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 |
Retail Market Retail Market Growth | 3,141 | 3,205 | 3,039 | 2,804 | 2,283 | 2,074 |
Corporate Market Corporate Market Growth | 2,996 | 3,053 | 2,877 | 1,770 | 1,804 | 1,386 |
EiendomsMegler 1 Midt-Norge AS EiendomsMegler 1 Midt-Norge AS Growth | 593 | 569 | 512 | 435 | 429 | 453 |
SpareBank 1 Finans Midt- Norge SpareBank 1 Finans Midt- Norge Growth | 465 | 459 | 453 | 311 | 329 | 364 |
SpareBank 1 Regnskapshuset SMN AS SpareBank 1 Regnskapshuset SMN AS Growth | 858 | 850 | 808 | 720 | 607 | 562 |
Other Segment Other Segment Growth | 1,039 | 1,017 | 1,254 | 379 | 466 | 701 |
Eliminations Eliminations Growth | -98 | -86 | 179 | 270 | -158 | 246 |
| 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 & Equivalents Cash Growth | 4,965 | 56 | 654 | 1,172 | 1,171 | 1,252 |
Total Debt Total Debt Growth | 46,410 | 47,361 | 52,657 | 48,079 | 99,064 | 84,256 |
Net Cash (Debt) Net Cash Growth | -46,410 | -47,361 | -52,657 | -48,079 | -99,064 | -84,256 |
Net Cash Growth | - | - | - | - | - | - |
Net Cash Per Share Net Cash Per Share Growth | -321.85 | -328.46 | -365.20 | -348.13 | -766.06 | -651.43 |
| 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 |
Operating Cash Flow Operating Cash Flow Growth | 10,136 | 9,902 | 877 | 8,016 | -8,658 | -1,825 |
Capital Expenditures CapEx Growth | -136 | -148 | -241 | -207 | 187 | -141 |
Free Cash Flow Free Cash Flow Growth | 10,000 | 9,754 | 636 | 7,809 | -8,471 | -1,966 |
Free Cash Flow Growth | 381.93% | 1433.65% | -91.86% | - | - | - |
| 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 |
Pretax Margin | 79.75% | 61.03% | 63.12% | 59.78% | 57.65% | 50.89% |
Profit Margin | 74.02% | 49.03% | 51.34% | 47.73% | 45.20% | 39.18% |
FCF Margin | 56.44% | 109.25% | 7.11% | 104.11% | -146.86% | -40.91% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jul '26 Jul 28, 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 |
Dividend Per Share Dividend Per Share Growth | 13.500 | 13.500 | 12.500 | 12.000 | 6.500 | 7.500 |
Dividend Per Share Growth | 8.00% | 8.00% | 4.17% | 84.61% | -13.33% | 70.45% |
Dividend Yield | 6.97% | 6.07% | 7.00% | 4.29% | 5.89% | 2.95% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jul '26 Jul 28, 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 | 10.59 | 10.80 | 8.52 | 8.41 | 9.94 | 11.19 |
Forward PE | 10.99 | 11.19 | 9.68 | 8.53 | 8.47 | 12.19 |
P/FCF Ratio | 2.28 | 3.05 | 38.85 | 2.51 | - | - |
PS Ratio | 3.21 | 3.33 | 2.76 | 2.61 | 2.86 | 4.01 |