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Instabank ASA (INSTA.OL)
Oslo, NO
Operating within Norway, Instabank ASA specializes in a comprehensive array of financial services. The institution gathers funds through customer deposits and issues diverse lending products, which encompass personal loans, collateral-backed financing, debt refinancing solutions, and credit cards. Additionally, they provide specific financing for automotive and marine vessel purchases. Beyond traditional banking, Instabank also offers various insurance coverage options, such as payment protection, vehicle insurance, and oral health plans. This financial establishment was founded in 2016 and maintains its primary base of operations in Oslo, Norway.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.00% | -2.27% | +6.97% | +2.38% | +29.13% | +23.21% | +76.95% | +172.15% | +133.70% | +186.67% | +186.67% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 1 | 0 |
| Buy | 0 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth+16.6%
-
EPS growth-24.0%
-
FCF margin—
-
EBIT margin—
-
ROIC—
-
Share dilution+61.6%
-
Debt / EBITDA—
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 1 Rev. Ana. 1 EPS Ana. |
Dec 2027 1 Rev. Ana. 1 EPS Ana. |
Dec 2028 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
119.33M
est: 101.00M (+18.1%)
|
235.78M
est: 191.00M (+23.4%)
|
295.32M
est: 240.57M (+22.8%)
|
314.47M
est: 263.53M (+19.3%)
|
358.60M
est: 315.49M (+13.7%)
|
431.48M
est: 345.47M (+24.9%)
|
645.78M
est: 428.06M (+50.9%)
|
787.67M
est: 503.03M (+56.6%)
|
918.46M
est: 611.89M (+50.1%)
|
854.28M
854.28M – 854.28M
+39.6% YoY
|
1.03B
1.03B – 1.03B
+20.9% YoY
|
1.17B
1.17B – 1.17B
+13.2% YoY
|
| EBITDA |
6.84M
est: 25.16M (-72.8%)
|
40.13M
est: 47.59M (-15.7%)
|
63.69M
est: 59.94M (+6.3%)
|
69.75M
est: 65.66M (+6.2%)
|
126.28M
est: 78.60M (+60.7%)
|
116.38M
est: 86.07M (+35.2%)
|
143.67M
est: 106.65M (+34.7%)
|
141.45M
est: 121.38M (+16.5%)
|
167.66M
est: 147.64M (+13.6%)
|
206.13M
206.13M – 206.13M
+39.6% YoY
|
249.27M
249.27M – 249.27M
+20.9% YoY
|
282.07M
282.07M – 282.07M
+13.2% YoY
|
| EBIT |
4.05M
est: 22.22M (-81.8%)
|
34.00M
est: 42.02M (-19.1%)
|
54.97M
est: 52.92M (+3.9%)
|
57.01M
est: 57.97M (-1.7%)
|
112.18M
est: 69.40M (+61.6%)
|
103.33M
est: 75.99M (+36.0%)
|
131.23M
est: 94.16M (+39.4%)
|
128.45M
est: 109.25M (+17.6%)
|
153.72M
est: 132.90M (+15.7%)
|
185.54M
185.54M – 185.54M
+39.6% YoY
|
224.37M
224.37M – 224.37M
+20.9% YoY
|
253.90M
253.90M – 253.90M
+13.2% YoY
|
| Net Income |
2.30M
est: 3.97M (-42.0%)
|
26.05M
est: 39.68M (-34.3%)
|
41.24M
est: 43.49M (-5.2%)
|
42.68M
est: 38.25M (+11.6%)
|
83.45M
est: 88.48M (-5.7%)
|
82.24M
est: 79.36M (+3.6%)
|
100.87M
est: 98.85M (+2.0%)
|
98.12M
est: 161.23M (-39.1%)
|
122.79M
est: 169.01M (-27.4%)
|
242.59M
242.59M – 242.59M
+43.5% YoY
|
318.04M
318.04M – 318.04M
+31.1% YoY
|
374.82M
374.82M – 374.82M
+17.9% YoY
|
| SGA |
44.41M
est: 15.39M (+188.6%)
|
66.75M
est: 29.11M (+129.3%)
|
62.99M
est: 36.66M (+71.8%)
|
54.09M
est: 40.16M (+34.7%)
|
57.29M
est: 48.08M (+19.2%)
|
78.94M
est: 52.65M (+50.0%)
|
78.51M
est: 65.23M (+20.4%)
|
98.97M
est: 74.55M (+32.8%)
|
138.73M
est: 90.68M (+53.0%)
|
126.60M
126.60M – 126.60M
+39.6% YoY
|
153.09M
153.09M – 153.09M
+20.9% YoY
|
173.24M
173.24M – 173.24M
+13.2% YoY
|
| EPS |
0.01
est: 0.01 (+0.8%)
|
0.09
est: 0.10 (-9.3%)
|
0.12
est: 0.11 (+10.4%)
|
0.13
est: 0.10 (+35.9%)
|
0.25
est: 0.22 (+13.0%)
|
0.25
est: 0.20 (+26.0%)
|
0.27
est: 0.25 (+9.2%)
|
0.26
est: 0.25 (+4.2%)
|
0.20
est: 0.26 (-23.5%)
|
0.38
0.38 – 0.38
+43.5% YoY
|
0.49
0.49 – 0.49
+31.1% YoY
|
0.58
0.58 – 0.58
+17.9% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-08 | B+ | 3/5 | 3/5 | 3/5 | 4/5 | 3/5 | 2/5 | 3/5 |
| 2026-05-07 | B+ | 3/5 | 3/5 | 3/5 | 4/5 | 3/5 | 2/5 | 3/5 |
| 2026-05-06 | B+ | 3/5 | 3/5 | 3/5 | 4/5 | 3/5 | 2/5 | 3/5 |
| 2026-05-05 | B+ | 3/5 | 3/5 | 3/5 | 4/5 | 3/5 | 2/5 | 3/5 |
| 2026-05-04 | B+ | 3/5 | 3/5 | 3/5 | 4/5 | 3/5 | 2/5 | 3/5 |
| 2026-04-30 | B+ | 3/5 | 3/5 | 3/5 | 4/5 | 3/5 | 2/5 | 3/5 |
| 2026-04-29 | B+ | 3/5 | 3/5 | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-28 | B+ | 3/5 | 3/5 | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-27 | B+ | 3/5 | 3/5 | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-24 | B+ | 3/5 | 3/5 | 3/5 | 4/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-23 | B+ | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-22 | B+ | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-21 | B+ | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-20 | B+ | 3/5 | 3/5 | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-17 | A- | 4/5 | 4/5 | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-16 | A- | 4/5 | 4/5 | 3/5 | 5/5 | 2/5 | 3/5 | 3/5 |
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Robert Berg | Chief Executive Officer | 4M | male |
| Per Kristian Haug | Chief Financial Officer | 2M | male |
| Kjetil Andre Welde Knudsen | Chief Risk Officer | 2M | male |
| Anne Jorgensen | Chief Operating Officer & Employee Representative Director | 2M | — |
| Farzad Jalily | Chief Technology Officer | 2M | male |
| Jørgen Rui | Chief Marketing Officer | 2M | — |
| Robert Leinders-Krog | Chief Commercial Officer | 758.0K | male |
| Karen Therese Edelberg | Chief Compliance & Risk Officer | — | female |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for INSTA.OL
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
