Instabank ASA INSTA

Hvad selskabet siger, at det forventer, og hvor ofte det har leveret på det.

Guidance i seneste rapport

• Lending growth (gross loans) target (2026)
  “We reiterate the targeted lending growth in the range of 3,000 –3,500 MNOK for 2026” (s. 9)
• Profit after tax guidance (2026)
  “and the guidance for profit after tax of 160 –185 MNOK for 2026” (s. 9)
• Expected return on equity for the year (2026)
  “We further expect a return on equity of approximately 13 % and a cost-to-income ratio of approximately 37 % for the year” (s. 9)
• Expected cost-to-income ratio for the year (2026)
  “We further expect a return on equity of approximately 13 % and a cost-to-income ratio of approximately 37 % for the year” (s. 9)
• Mortgage lending growth expected to pick up from Q4 after relaunch (Q4 2026)
  “The mortgage offering was relaunched in October 2026, and growth is expected to pick up from the fourth quarter.” (s. 6)
• Rising interest rates expected to increase funding costs (outlook)
  “Rising interest rates in Norway and the euro area are expected to increase funding costs and may put pressure on customers’ debt -servicing capacity.” (s. 9)
• Ambition for gross loans (not guidance) (2030)
  “The Board has endorsed an ambition to grow gross loans to approximately 30 billion NOK by 2030” (s. 8)
• Ambition for return on equity (not guidance) (2030)
  “with a return on equity above 22 %, a cost-to-income ratio of at most 30 % and profit after tax above 800 MNOK” (s. 8)
• Ambition for cost-to-income ratio (not guidance) (2030)
  “a cost-to-income ratio of at most 30 % and profit after tax above 800 MNOK” (s. 8)
• Ambition for profit after tax (not guidance) (2030)
  “a cost-to-income ratio of at most 30 % and profit after tax above 800 MNOK” (s. 8)
• Ambition for loan book (not guidance) (2035)
  “Towards 2035, the ambition is a loan book of 50 billion NOK.” (s. 8)

Forventninger mod udfald

Beløb i NOK millioner. Hvert udfald tæller fra den dag, rapporten med det faktiske tal blev offentliggjort, sådan som en backtest ser det. Hold musen over et nøgletal for rapportens egne ord; klik på datoen eller det faktiske tal for at åbne rapporten på den rigtige side.

Forventninger tæller kun, når de nævner et år eller kvartal og et tal, rapporterne viser: omsætning, driftsresultat, marginer, EPS samt nøgletal for bank og forsikring. Læst af en AI-model og kan være forkert. Ikke investeringsrådgivning.