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Instabank ASAOB:INSTA Stock Report

Market Cap NOK 1.5b
Share Price
NOK 3.46
My Fair Value
n/a
1Y86.0%
7D6.8%
Portfolio Value
​
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Instabank ASA

OB:INSTA Stock Report

Market Cap: NOK 1.5b

Instabank (INSTA) Stock Overview

Provides various banking products and services in Norway. More details

INSTA fundamental analysis
Snowflake Score
Valuation1/6
Future Growth5/6
Past Performance2/6
Financial Health4/6
Dividends2/6

Rewards

Trading at 5.8% below our estimate of its fair value

Earnings are forecast to grow 35.61% per year

Risk Analysis

Shareholders have been diluted in the past year


INSTA Community Fair Values

Create Narrative

See what 7 others think this stock is worth. Follow their fair value or set your own to get alerts.

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Instabank ASA Competitors

Price History & Performance

Summary of share price highs, lows and changes for Instabank
Historical stock prices
Current Share PriceNOK 3.46
52 Week HighNOK 3.48
52 Week LowNOK 1.84
Beta0.27
1 Month Change8.13%
3 Month Change23.57%
1 Year Change86.02%
3 Year Change116.25%
5 Year Change189.54%
Change since IPO38.40%

Recent News & Updates

Recent updates

Increases to CEO Compensation Might Be Put On Hold For Now at Instabank ASA (OB:INSTA)

Apr 04
Increases to CEO Compensation Might Be Put On Hold For Now at Instabank ASA (OB:INSTA)

Is Now The Time To Put Instabank (OB:INSTA) On Your Watchlist?

Sep 01
Is Now The Time To Put Instabank (OB:INSTA) On Your Watchlist?

Instabank ASA's (OB:INSTA) CEO Will Probably Find It Hard To See A Huge Raise This Year

Apr 01
Instabank ASA's (OB:INSTA) CEO Will Probably Find It Hard To See A Huge Raise This Year

Chief Executive Officer Robert Berg Just Bought 2.0% More Shares In Instabank ASA (OB:INSTA)

Feb 21
Chief Executive Officer Robert Berg Just Bought 2.0% More Shares In Instabank ASA (OB:INSTA)

I Ran A Stock Scan For Earnings Growth And Instabank (OB:INSTA) Passed With Ease

Dec 23
I Ran A Stock Scan For Earnings Growth And Instabank (OB:INSTA) Passed With Ease

Shareholder Returns

INSTANO BanksNO Market
7D6.8%-0.04%-0.3%
1Y86.0%15.2%6.0%

Return vs Industry: INSTA exceeded the Norwegian Banks industry which returned 15% over the past year.

Return vs Market: INSTA exceeded the Norwegian Market which returned 7% over the past year.

Price Volatility

Is INSTA's price volatile compared to industry and market?
INSTA volatility
INSTA Average Weekly Movement2.7%
Banks Industry Average Movement2.7%
Market Average Movement4.4%
10% most volatile stocks in NO Market10.5%
10% least volatile stocks in NO Market2.5%

Stable Share Price: INSTA has not had significant price volatility in the past 3 months compared to the Norwegian market.

Volatility Over Time: INSTA's weekly volatility (3%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
201658Robert Bergwww.instabank.no

Instabank ASA provides various banking products and services in Norway. The company accepts deposits and saving account; and offers consumer and secured loans, refinance, and credit cards, as well as loans for vehicles and boats. It also provides payment, car, travel, contents, and dental health insurance products; and credit cards.

Instabank ASA Fundamentals Summary

How do Instabank's earnings and revenue compare to its market cap?
INSTA fundamental statistics
Market capNOK 1.53b
Earnings (TTM)NOK 97.80m
Revenue (TTM)NOK 368.72m
15.7x
P/E Ratio
1.4x
P/B Ratio

Is INSTA overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
INSTA income statement (TTM)
RevenueNOK 368.72m
Cost of RevenueNOK 0
Gross ProfitNOK 368.72m
Other ExpensesNOK 270.92m
EarningsNOK 97.80m

Last Reported Earnings

Jun 30, 2025

Next Earnings Date

Feb 06, 2026

Earnings per share (EPS)0.22
Gross Margin100.00%
Net Profit Margin26.52%
Debt/Equity Ratio17.2%

How did INSTA perform over the long term?

See historical performance and comparison

Dividends

2.3%
Current Dividend Yield
31%
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/11/06 00:16
End of Day Share Price 2025/11/06 00:00
Earnings2025/06/30
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Instabank ASA is covered by 1 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Herman ZahlPareto Securities