Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Alisa Bank Plc is a technology-driven Finnish financial services company offering seamless banking through digital channels. It primarily serves small and medium-sized enterprises (SMEs) with financing solutions like business loans, invoice financing, and corporate accounts, alongside competitive deposit products for savers and integrated Banking-as-a-Service (BaaS) offerings for partners. The bank focuses on embedding services into customers' daily digital platforms, such as collaborations with Nordea for entrepreneur financing and Visma Solutions for over 45,000 Netvisor users, enhancing accessibility and efficiency. Recently, Alisa Bank completed the sale of approximately 75% of its consumer loan portfolio to a Swedish bank in early 2026, generating EUR 51 million in proceeds and a EUR 2.4 million positive impact on 2025 results, aligning with its strategic shift away from consumer lending toward SME growth and deposit expansion. Formed in 2022 from the merger of Fellow Finance and Evli Bank, and renamed in 2023 after acquiring PURO Finance in 2024, Alisa Bank manages a loan portfolio of EUR 127 million, deposits of EUR 299 million, and serves 63,000 customers, operating under the Finnish Financial Supervisory Authority's license. This positions it as a key player in digital SME banking in the Nordics.
€0.13
€0.00 (-1.14%)
Price from 20 days ago
Revenue grew 45.6%, still solid.
Even for strong businesses, today's 0x P/E means the stock needs to keep delivering. There's no margin of safety if growth disappoints.
0.1x earnings, 0.0x FCF. The multiple is below average. Either the market is pricing in deterioration you should investigate, or there's genuine value here.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
€116M
▲ +45.6% YoY
Net Income (TTM)
€43M
▲ +85.3% YoY
Op. Margin
—
ROIC
—
Cash Flow & Balance Sheet
FCF (TTM)
€77M
▲ +76.4% YoY
Op. Cash Flow (TTM)
€77M
▲ +76.1% YoY
Net Debt
-€286M
Net Cash Position
Cash & Equiv.
€384M
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At a P/E of 0.1 and a price-to-free-cash-flow of 0.0, Alisa Bank (ALISA.XHEL) trades below a two-stage DCF intrinsic value of about €67.26 per share, so at €0.13 the stock looks undervalued (51,440.2% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Alisa Bank scores 56/100 on Intrinsiqq's quality scorecard (a mixed business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 553.0%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about €67.26 per share for ALISA.XHEL, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around €50.44. At today's €0.13, that puts the stock about 51,440.2% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Alisa Bank scores 56 out of 100 on Intrinsiqq's quality score, a weighted blend of 6 metrics each scored 0 to 100, which makes it a mixed business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, Alisa Bank pays a regular dividend of about €0.72 per share per year (typically in quarterly installments), a yield of roughly 553.0% at the current price. That is a payout ratio of about 40.5% of earnings, so the dividend is well covered. Alisa Bank has grown the dividend at roughly 9.9% a year over the past few years. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For ALISA.XHEL's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. ALISA.XHEL currently trades below its estimated intrinsic value and scores 56/100 on quality (mixed). It also yields about 553.0%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.