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Norion Bank AB (NORION.ST)
SEK55.30
+0.30 (+0.55%)
SE STO Financial Services Financial - Credit Services
Address
Lilla Bommens Torg 11 411 04
Gothenburg, SE
Gothenburg, SE
CEO
Martin Nossman
Website
norionbank.se
IPO
2022-08-15
ISIN SE0017831795
Also trades on
Stockholm Stock Exchange · COLL.ST (SEK)
Stockholm Stock Exchange · NORION.ST (SEK)
Description
Headquartered in Gothenburg, Sweden, Norion Bank AB, established in 1999 and formerly known as Collector Bank AB until its rebranding in September 2023, delivers comprehensive financial solutions. The bank primarily serves small and medium-sized enterprises (SMEs) alongside individual customers across Sweden, Finland, Norway, and beyond. Its business activities are organized into distinct Corporate, Real Estate, Consumer, and Payments divisions. The institution's diverse product portfolio encompasses various forms of credit, including personal, corporate, real estate, and unsecured loans, in addition to credit card facilities and factoring services. Norion Bank also provides payment processing and checkout systems for both e-commerce and brick-and-mortar retail, along with invoicing and installment payment services for private individuals.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
SEK55.30
+0.30 (+0.55%)
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Volume Profile
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Liquidity & share structure
Average Volume
898.8K
Beta
0.51
Float Shares
158.82M
Free Float %
83.7%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +3.24% | +4.31% | +17.25% | +8.42% | -11.81% | -10.50% | +26.57% | +90.85% | +59.63% | +59.63% | +59.63% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
55.30
DCF (Unlevered)
66.07
+19.5%
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.
Ratings Trend (MoM)
67% Bullish
| Rating | 2026-06 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 2 | 0 |
| Hold | 1 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
-0.46
Distress
Piotroski F-Score
5 / 9
Average
MOAT Score
6 / 10
Developing
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
4 / 5
High
ROA Score
4 / 5
High
D/E Score
3 / 5
Medium
P/E Score
3 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
✗ Below peers
-
Revenue growth Financial - Credit Services: +13.2%-2.5% Q2'26: -0.2% (vs Q2'25)
-
EPS growth Financial - Credit Services: +24.0%+16.9% Q2'26: -34.3% (vs Q2'25)
-
FCF margin FCF growth · Financial - Credit Services: +70.9%-22.5% Q2'26: +29.7% (vs Q2'25)
-
EBIT margin Financial - Credit Services: +28.7%+33.5% ★ Q2'26: +23.6% (vs Q2'25)
-
ROIC Financial - Credit Services: +5.0%+17.6% ★ Q2'26: +7.2% (vs Q2'25)
-
Share dilution Financial - Credit Services: +0.0%-2.2% ★ Q2'26: -10.2% (vs Q2'25)
-
Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×1.80× ★ Q2'26: 2.06× (vs Q2'25)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* 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.
Consensus Estimates
| Metric |
Dec 2015 actual |
Dec 2016 actual |
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 3 Rev. Ana. 2 EPS Ana. |
Dec 2027 3 Rev. Ana. 3 EPS Ana. |
Dec 2028 3 Rev. Ana. 3 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
1.14B
est.
|
1.13B
est: 1.35B (-16.2%)
|
1.56B
est: 1.62B (-3.7%)
|
1.87B
est: 1.81B (+3.2%)
|
2.27B
est: 2.24B (+1.6%)
|
2.50B
est: 2.11B (+18.8%)
|
3.00B
est: 2.58B (+16.3%)
|
3.70B
est: 3.13B (+18.3%)
|
4.97B
est: 2.65B (+87.4%)
|
5.62B
est: 3.66B (+53.4%)
|
5.48B
est: 3.86B (+41.9%)
|
3.95B
3.94B – 3.96B
+2.3% YoY
|
4.28B
4.18B – 4.48B
+8.4% YoY
|
4.54B
4.51B – 4.58B
+6.1% YoY
|
| EBITDA |
354.10M
est.
|
412.00M
est: 419.70M (-1.8%)
|
703.00M
est: 505.83M (+39.0%)
|
715.00M
est: 563.81M (+26.8%)
|
-183.00M
est: 697.15M (-126.2%)
|
447.00M
est: 657.31M (-32.0%)
|
995.00M
est: 804.05M (+23.7%)
|
1.51B
est: 974.97M (+54.4%)
|
1.70B
est: 917.43M (+85.7%)
|
1.68B
est: 1.27B (+32.5%)
|
1.92B
est: 1.34B (+43.5%)
|
1.37B
1.36B – 1.37B
+2.3% YoY
|
1.48B
1.45B – 1.55B
+8.4% YoY
|
1.57B
1.56B – 1.59B
+6.1% YoY
|
| EBIT |
337.50M
est.
|
386.00M
est: 400.02M (-3.5%)
|
658.00M
est: 482.10M (+36.5%)
|
648.00M
est: 537.37M (+20.6%)
|
-270.00M
est: 664.46M (-140.6%)
|
402.00M
est: 626.49M (-35.8%)
|
959.00M
est: 766.34M (+25.1%)
|
1.44B
est: 929.25M (+55.2%)
|
1.64B
est: 880.36M (+85.9%)
|
1.61B
est: 1.22B (+32.3%)
|
1.84B
est: 1.28B (+43.2%)
|
1.31B
1.31B – 1.32B
+2.3% YoY
|
1.42B
1.39B – 1.49B
+8.4% YoY
|
1.51B
1.50B – 1.52B
+6.1% YoY
|
| Net Income |
408.73M
est.
|
300.00M
est: 573.24M (-47.7%)
|
510.00M
est: 734.15M (-30.5%)
|
496.00M
est: 776.54M (-36.1%)
|
-219.00M
est: 853.05M (-125.7%)
|
303.00M
est: 294.75M (+2.8%)
|
753.00M
est: 656.95M (+14.6%)
|
1.14B
est: 1.05B (+9.0%)
|
1.29B
est: 1.26B (+2.9%)
|
1.27B
est: 1.21B (+4.4%)
|
1.44B
est: 1.50B (-4.0%)
|
1.45B
1.44B – 1.46B
-3.3% YoY
|
1.83B
1.76B – 1.89B
+26.2% YoY
|
2.12B
1.90B – 2.33B
+15.8% YoY
|
| SGA |
51.36M
est.
|
230.00M
est: 60.88M (+277.8%)
|
298.00M
est: 73.37M (+306.2%)
|
72.00M
est: 81.78M (-12.0%)
|
100.00M
est: 101.12M (-1.1%)
|
165.00M
est: 95.34M (+73.1%)
|
156.00M
est: 116.63M (+33.8%)
|
161.00M
est: 141.42M (+13.8%)
|
174.00M
est: 104.49M (+66.5%)
|
167.00M
est: 144.46M (+15.6%)
|
202.00M
est: 152.31M (+32.6%)
|
155.78M
155.31M – 156.14M
+2.3% YoY
|
168.94M
164.84M – 176.60M
+8.4% YoY
|
179.17M
177.66M – 180.67M
+6.1% YoY
|
| EPS |
1.99
est.
|
2.92
est: 2.79 (+4.6%)
|
3.46
est: 3.57 (-3.2%)
|
3.78
est: 3.78 (0.0%)
|
-0.05
est: 4.15 (-101.3%)
|
1.42
est: 1.44 (-1.0%)
|
3.47
est: 3.20 (+8.5%)
|
5.34
est: 5.09 (+4.8%)
|
6.02
est: 6.12 (-1.6%)
|
6.09
est: 5.99 (+1.7%)
|
7.12
est: 7.40 (-3.8%)
|
7.20
7.15 – 7.26
-2.6% YoY
|
9.09
8.76 – 9.43
+26.1% YoY
|
10.31
9.48 – 11.58
+13.5% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-06-12 | B+ | 3/5 | 1/5 | 4/5 | 4/5 | 3/5 | 3/5 | 3/5 |
| 2026-06-11 | B+ | 3/5 | 1/5 | 4/5 | 4/5 | 3/5 | 3/5 | 3/5 |
| 2026-06-10 | B+ | 3/5 | 1/5 | 4/5 | 4/5 | 3/5 | 3/5 | 3/5 |
| 2026-06-09 | B+ | 3/5 | 1/5 | 4/5 | 4/5 | 3/5 | 3/5 | 3/5 |
| 2026-06-08 | B+ | 3/5 | 1/5 | 4/5 | 4/5 | 3/5 | 3/5 | 3/5 |
| 2026-06-05 | B+ | 3/5 | 1/5 | 4/5 | 4/5 | 3/5 | 3/5 | 3/5 |
| 2026-06-04 | B+ | 3/5 | 1/5 | 4/5 | 4/5 | 3/5 | 3/5 | 3/5 |
| 2026-06-03 | B+ | 3/5 | 1/5 | 4/5 | 4/5 | 3/5 | 3/5 | 3/5 |
| 2026-06-02 | B+ | 3/5 | 1/5 | 4/5 | 4/5 | 3/5 | 3/5 | 3/5 |
| 2026-06-01 | B+ | 3/5 | 1/5 | 4/5 | 4/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-29 | B+ | 3/5 | 1/5 | 4/5 | 4/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-28 | B+ | 3/5 | 1/5 | 4/5 | 4/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-27 | B+ | 3/5 | 1/5 | 4/5 | 4/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-26 | B+ | 3/5 | 1/5 | 4/5 | 4/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-25 | B+ | 3/5 | 1/5 | 4/5 | 4/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-22 | B+ | 3/5 | 1/5 | 4/5 | 4/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-21 | B+ | 3/5 | 1/5 | 4/5 | 4/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-20 | B+ | 3/5 | 1/5 | 4/5 | 4/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-19 | B+ | 3/5 | 1/5 | 4/5 | 4/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-18 | B+ | 3/5 | 1/5 | 4/5 | 4/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-15 | B+ | 3/5 | 1/5 | 4/5 | 4/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-13 | B+ | 3/5 | 1/5 | 4/5 | 4/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-12 | B+ | 3/5 | 1/5 | 4/5 | 4/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-11 | B+ | 3/5 | 1/5 | 4/5 | 4/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-08 | A- | 4/5 | 1/5 | 4/5 | 5/5 | 3/5 | 4/5 | 3/5 |
| 2026-05-07 | A- | 4/5 | 1/5 | 4/5 | 5/5 | 3/5 | 4/5 | 3/5 |
| 2026-05-06 | A- | 4/5 | 1/5 | 4/5 | 5/5 | 3/5 | 4/5 | 3/5 |
| 2026-05-05 | A- | 4/5 | 1/5 | 4/5 | 5/5 | 3/5 | 4/5 | 3/5 |
| 2026-05-04 | A- | 4/5 | 1/5 | 4/5 | 5/5 | 3/5 | 4/5 | 3/5 |
| 2026-04-30 | B+ | 3/5 | 1/5 | 4/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-29 | B+ | 3/5 | 1/5 | 4/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-28 | B+ | 3/5 | 1/5 | 4/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-27 | B+ | 3/5 | 1/5 | 4/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-24 | B+ | 3/5 | 1/5 | 4/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-23 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-22 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-21 | B | 3/5 | 1/5 | 4/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-20 | B | 3/5 | 1/5 | 4/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-17 | B | 3/5 | 1/5 | 4/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-16 | B | 3/5 | 1/5 | 4/5 | 5/5 | 2/5 | 3/5 | 2/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
-857.46M
OE per share TTM
-4.50
Owner's Yield
-7.47%
Maintenance CapEx ratio
6.79%
Maint CapEx / Avg PPE
1.4%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
Held by 93 ETFs in our universe
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | Tweedy, Browne International Insider + Value ETF ICPY | 1.30% | 899.1K | 0.80% |
| 2 | Tweedy, Browne Insider + Value ETF COPY | 0.92% | 2.89M | 0.89% |
| 3 | Amundi MSCI Europe Small Cap ESG Broad Transition UCITS ETF Acc CEM.PA | 0.05% | 158.2K | 0.23% |
| 4 | Amundi MSCI Europe Small Cap ESG Broad Transition UCITS ETF Dist X026.DE | 0.05% | 158.2K | 0.23% |
| 5 | State Street SPDR MSCI Europe Small Cap Value Weighted UCITS ETF EUR Acc ZPRX.DE | 0.03% | 261.8K | 0.30% |
| 6 | Dimensional - International Small Cap Value ETF DISV | 0.03% | 1.39M | 0.42% |
| 7 | Schwab International Small-Cap Equity ETF SCHC | 0.03% | 1.37M | 0.06% |
| 8 | Xtrackers - Xtrackers MSCI World Swap UCITS ETF 4C - EUR Hedged XWEH.DE | 0.02% | 3.44M | 0.39% |
| 9 | Xtrackers MSCI World Swap UCITS ETF 1C XMWD.L | 0.02% | 3.44M | 0.45% |
| 10 | iShares MSCI Europe Small-Cap ETF IEUS | 0.02% | 32.1K | 0.41% |
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
4.61M
Shares Outstanding
189.78M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Martin Nossman | Chief Executive Officer | 8M | male |
| Anna-Klara Heldring | Head of Compliance | — | female |
| Jessica Almgren | IR Manager | — | female |
| Jonas Bjorkman | Chief Information Officer | — | male |
| Josefin Eriksson | Head of Chief Executive Officer Office | — | female |
| Peter Olsson | Chief Financial Officer | — | male |
| Tarek Omeirat | Group Chief Credit Officer | — | male |
| Alexandra Kaber | Chief Operating Officer | — | female |
| Teresa Akemar | Chief HR Officer | — | female |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for NORION.ST
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.
