Instabank ASA
Research Instabank ASA (INSTA) on Bullrun: valuation model: 8.5% overvalued, market cap NOK 2.29B, P/E 14.2, dividend yield 1.8%. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerINSTA
- ExchangeOL
- CountryNorway
- SectorFinancial Services
- IndustryBanks - Regional
- CurrencyNOK
- Valuation signal8.5% overvalued
- Market capNOK 2.29B
- P/E14.2
- Dividend yield1.8%
- Financial periodQ1 2026
- RevenueNOK 179.48M
- Net incomeNOK 32.73M
- Gross margin100.0%
Valuation Snapshot
Bullrun's latest valuation model marks Instabank ASA as 8.5% overvalued; latest market cap is NOK 2.29B; P/E is 14.2; dividend yield is 1.8%.
Peer valuation comparison
Latest P/E is 14.2x versus a Financial Services sector median of 13.84x (2.6% above).
Latest dividend yield is 1.77% versus a Financial Services sector median of 3.86% (54.1% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | NOK 690.55M | NOK 122.79M | n/a | 88.4% | n/a | NOK 345.97M | NOK 190.00M | NOK 1.39B |
| FY2024 | NOK 641.54M | NOK 98.12M | n/a | 76.7% | n/a | NOK 438.31M | NOK 96.00M | NOK 1.04B |
| FY2023 | NOK 656.40M | NOK 100.87M | n/a | 67.2% | n/a | NOK 264.22M | n/a | n/a |
| FY2022 | NOK 440.68M | NOK 82.24M | n/a | 81.1% | n/a | NOK 191.25M | n/a | n/a |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-08-25 | NOK 2.29B | 14.2 | 1.8% | 0.09 |
Dividend history
Latest trailing dividend snapshot: annual dividend/share 0.09 NOK, yield 1.8%.
About Instabank ASA
Instabank ASA provides various banking products and services in Norway. It accepts deposits and saving and investment accounts; offers consumer and secured loans, refinance, and credit cards, as well as loans for vehicles and boats; and provides credit cards. The company also provides payment, car, travel, contents, and dental health insurance products. Instabank ASA was incorporated in 2016 and is based in Oslo, Norway.
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Frequently asked questions
Is Instabank ASA overvalued or undervalued?
Bullrun's valuation model currently marks Instabank ASA as 8.5% overvalued.
What is Instabank ASA's market cap?
Instabank ASA's market capitalization is NOK 2.29B.
What is Instabank ASA's P/E ratio?
Instabank ASA's price-to-earnings (P/E) ratio is 14.2.
Does Instabank ASA pay a dividend?
Instabank ASA has a dividend yield of 1.8%.
What does Instabank ASA do?
Instabank ASA provides various banking products and services in Norway. It accepts deposits and saving and investment accounts; offers consumer and secured loans, refinance, and credit cards, as well as loans for vehicles and boats; and provides credit cards. The company also provides payment, car, travel, contents, and dental health insurance products. Instabank ASA was incorporated in 2016 and is based in Oslo, Norway.