Instabank ASA INSTA
Oslo Børs · Financial Services · Banks - Regional
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Annual accounts for Instabank
| NOK million | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Income statement | ||||
| Revenue | 358 | 441 | 492 | 610 |
| EBITDA | – | – | – | – |
| Net income | 82 | 101 | 98 | 123 |
| Balance sheet | ||||
| Equity | 786 | 948 | 1,042 | 1,386 |
| Total debt | 96 | 96 | 96 | 190 |
| Cash | – | – | – | – |
| Net debt | – | – | – | – |
| Ratios and per share | ||||
| EBITDA margin | – | – | – | – |
| Profit margin | 23.0% | 22.9% | 19.9% | 20.1% |
| Return on equity | 10.5% | 10.6% | 9.4% | 8.9% |
| Earnings/share (NOK) | 0.25 | 0.27 | 0.26 | 0.27 |
| Book value/share (NOK) | 2.36 | 2.50 | 2.75 | 3.06 |
| Shares outstanding (M) | 333 | 379 | 379 | 453 |
From the annual statements (Yahoo Finance), in the currency the company reports in. Per-share figures use the shares at the year end. Charts and annual figures →
Quarterly figures from the reports
BetaFrom the company's own reports: 32 reports read by AI, every figure checked against the report's page and arithmetic.
Source: the Q3 2026 report, page 11, published 2026-11-06.
| Quarter | Total income | Profit before losses | Profit | EPS | Adj. EPS | Source |
|---|---|---|---|---|---|---|
| Q3 2026 | 231 | 55 | 41 | 0.08 | … | Q3 2026, p. 11 |
| Q2 2026 | 204 | 62 | 47 | 0.10 | … | Q2 2026, p. 10 |
| Q1 2026 | 0 | 0 | 0 | 0.07 | … | Q1 2026, p. 8 |
| Q4 2025 | 176 | 53 | 48 | 0.11 | … | Q4 2025, p. 8 |
| Q3 2025 | 156 | 40 | 30 | 0.08 | … | Q3 2025, p. 8 |
| Q2 2025 | 144 | 29 | 22 | 0.06 | … | Q2 2025, p. 8 |
| Q1 2025 | 134 | 31 | 23 | 0.06 | … | Q1 2025, p. 8 |
| Q4 2024 | 126 | 33 | 27 | 0.07 | … | Q4 2024, p. 8 |
| Q3 2024 | 128 | 35 | 26 | 0.07 | … | Q3 2024, p. 7 |
| Q2 2024 | 121 | 36 | 27 | 0.07 | … | Q2 2024, p. 7 |
| Q1 2024 | 116 | 24 | 18 | 0.05 | … | Q1 2024, p. 7 |
| Q4 2023 | 125 | 33 | 25 | 0.07 | … | Q4 2023, p. 6 |
Amounts in NOK million, EPS in NOK. Each quarter as first reported, as a backtest would have seen it. Adjusted EPS (without one-off items) is shown once the one-off items have been checked against the companies' own adjusted figures.
One-off items in the reports
- 2026-06-30 One-off net release of loan loss provisions from IFRS 9 model updates in Q2 2026 (excluded from underlying profit comparison): +11.8 NOK million (Q3 2026, p. 4)
- 2026-06-30 estimated impact of the change [in methodology]: +1.4 NOK million (Q2 2026, p. 24)
- 2026-06-30 net effect of the IFRS 9 model updates: +11.8 NOK million (Q2 2026, p. 6)
- 2025-12-31 year-end tax calculations: +866.0 NOK million (Q4 2025, p. 5)
- 2025-12-31 net positive effect from the sale of NPLs: +301.0 NOK million (Q4 2025, p. 2)
- 2025-12-31 year-end tax adjustments: +17.2 NOK million (Q4 2025, p. 2)
- 2025-03-31 one-time effects from CRR3 (expected): +120.0 NOK million (Q1 2025, p. 6)
- 2025-03-31 costs associated with the Finnish banking license application process and the launch of a new credit card offering in the German market: +62.1 NOK million (Q1 2025, p. 5)
Found by AI and still being validated: hover for the report's own words.
Sign in for free to open each report on the page a figure comes from.
Extracted by an AI model from the reports and can be wrong. Not investment advice.
Key figures
| P/E | 18.1 |
| P/B | 1.6 |
| EV / EBITDA | – |
| Net debt / EBITDA | – |
| Return on equity | 8.9% |
| Profit margin | 20.1% |
| Beta 1Y | 0.25 |
| Revenue growth 1Y | +24.0% |
| Revenue CAGR 3Y | +19.5% |
| Earnings/share CAGR 3Y | +3.2% |
| ROE avg. 3Y | 9.6% |
Ratios use the latest annual report that was public 90 days after the year end.
Dividends per share (NOK)
| 2026 | 0.09 |
| 2025 | 0.08 |
Not investment advice. Figures may contain errors from the data source.