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.
Instabank ASA is a Norwegian digital bank primarily focused on offering financial products and services tailored to meet the needs of modern consumers. Specializing in loans, deposits, and mobile banking solutions, it provides an accessible and streamlined banking experience ingeniously integrated with technology. Instabank's operations revolve around unsecured personal loans, refinancing, savings accounts, and point-of-sale financing, making it a vital service provider in consumer finance. Instabank notably impacts the financial services sector by addressing the demands for flexible credit options and convenient digital banking. By employing advanced technological tools and data analysis, it ensures efficient and personalized user experiences tailored to individual financial requirements. Established to leverage the growing need for digital banking solutions, Instabank ASA plays a crucial role in broadening financial accessibility while promoting competitiveness within the banking industry of Norway and the Nordic region. As a dynamic and tech-focused institution, Instabank capitalizes on digital transformation trends and consumer shifts towards online banking, thereby holding an influential position in shaping the future of financial services and consumer banking preferences.
NOK 0.35
+NOK 0.00 (+0.00%)
EOD Jul 1, 2026
20.11% net margin is respectable. The institution appears to be managing its interest spread and credit risk adequately.
Revenue grew 24.0% YoY.
Financial stocks carry unique risks (credit cycles, regulatory changes, interest rate sensitivity) that aren't captured by standard quality metrics.
1.2x earnings. Below the sector average, the market may be pricing in credit losses or regulatory headwinds, or there's genuine value here.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
NOK 655M
▲ +24.0% YoY
Net Income (TTM)
NOK 132M
▲ +25.1% YoY
Net Margin
20.20%
P/E
1.2x
Balance Sheet
Total Assets
NOK 9.89B
Equity
NOK 1.39B
Total Debt
NOK 190M
Cash & Equiv.
N/A
3Y CAGR: +19.5%
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At a P/E of 1.2, Instabank ASA (INSTA.XOSL)'s valuation is best read against its own history, its peers, and the growth its price implies. A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in .
On quality, Instabank ASA scores 67/100 on Intrinsiqq's quality scorecard (a solid business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 18.4%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Instabank ASA scores 67 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a solid 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, Instabank ASA pays a regular dividend of about NOK 0.06 per share per year (typically in quarterly installments), a yield of roughly 18.4% at the current price. That is a payout ratio of about 22.9% of earnings, so the dividend is amply covered by earnings. 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 INSTA.XOSL's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. you should weigh INSTA.XOSL's valuation and scores 67/100 on quality (solid). It also yields about 18.4%. 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.