Instabank ASA (INSTA.XOSL) Quality Score
Business quality is the primary weakness (avg 40/100). Valuation is the relative bright spot.
Broad-market heuristics · Not a buy/sell signal
Valuation and growth
Valuation
Growth
Under 20x, reasonable relative to earnings
1.6x book, reasonable for a financial
Above 10% CAGR, strong compounder
5–8% BVPS CAGR, steady compounding
Business Quality & Capital Allocation
Heavy dilution above 5%
5–10%, adequate but not exceptional
14.0% equity/assets, well-capitalized
Net margin compressed >2pp, profitability pressure
Instabank ASA (INSTA.XOSL) quality: score, margins and returns
Instabank ASA (INSTA.XOSL) scores 64/100 on Intrinsiqq's quality score (a solid business), a weighted blend of 8 metrics each scored 0 to 100. Every metric is computed from company filings; this is analysis, not investment advice.
Frequently asked
Is Instabank ASA (INSTA.XOSL) a high-quality business?+
Instabank ASA scores 64 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which rates it a solid business on these measures. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.
What does Instabank ASA's quality score measure?+
Intrinsiqq's quality score weighs profitability, returns on capital, revenue growth, and balance-sheet strength, using measures suited to banks, insurers and other financial companies (where free-cash-flow and operating-margin metrics do not apply), each computed from INSTA.XOSL's company filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where Instabank ASA scores well and where it falls behind.
How profitable is Instabank ASA?+
Instabank ASA runs a net margin of about 20.1%. Revenue has grown at roughly 17.5% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from company filings, not investment advice.
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Data sourced from company filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.