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.
Kraft Bank ASA is a specialized financial institution that operates in the banking sector. It primarily focuses on extending unsecured personal loans, debt refinancing, and related financial services to individual clients. The bank plays a significant role in addressing the niche market of customers who require debt consolidation solutions. With its headquarters in Norway, Kraft Bank ASA serves clients across the nation, providing tailored financial products designed to meet specific needs, particularly for those with complex debt portfolios. Notably, the bank distinguishes itself with a customer-centric approach, leveraging technology to streamline its service delivery. Kraft Bank ASA contributes to financial inclusivity by offering manageable debt restructuring options, thus facilitating better financial health among its clientele. Its operations align with Norway's stringent regulatory framework, ensuring transparency and stability within the market. This institution stands out as a significant player in the consumer banking landscape, where its specialized services help mitigate financial strains for numerous individuals.
NOK 1.16
+NOK 0.01 (+0.43%)
EOD Jul 1, 2026
30.41% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue grew 42.4% YoY.
Financial stocks carry unique risks (credit cycles, regulatory changes, interest rate sensitivity) that aren't captured by standard quality metrics.
0.8x 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 214M
▲ +42.4% YoY
Net Income (TTM)
NOK 65M
▲ +136.0% YoY
Net Margin
30.41%
P/E
0.8x
Balance Sheet
Total Assets
NOK 4.42B
Equity
NOK 507M
Total Debt
NOK 48M
Cash & Equiv.
N/A
3Y CAGR: +13.4%
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At a P/E of 0.8 and a price-to-free-cash-flow of 0.2, Kraft Bank ASA (KRAB.XOSL) trades below a two-stage DCF intrinsic value of about NOK 267.72 per share, so at NOK 1.16 the stock looks undervalued (23,078.8% 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, Kraft Bank ASA scores 82/100 on Intrinsiqq's quality scorecard (a high-quality business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 32.0%; 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 NOK 267.72 per share for KRAB.XOSL, 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 NOK 200.79. At today's NOK 1.16, that puts the stock about 23,078.8% 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.
Kraft Bank ASA scores 82 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a high-quality 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, Kraft Bank ASA pays a regular dividend of about NOK 0.37 per share per year (typically in quarterly installments), a yield of roughly 32.0% at the current price. That is a payout ratio of about 23.9% of earnings, so the dividend is amply covered by earnings. Kraft Bank ASA has grown the dividend at roughly 21.7% 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 KRAB.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. KRAB.XOSL currently trades below its estimated intrinsic value and scores 82/100 on quality (high-quality). It also yields about 32.0%. 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.