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Morrow Bank ASA (MOBA.OL)
Key financial summary
Financials in NOK| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total net revenue | NOK m | 1,176 | 1,101 | 876 | 801 | 1,054 | 1,277 | 1,402 |
| Operating profit | NOK m | 281 | 353 | |||||
| Net profit | NOK m | 203 | 263 | -209 | 1 | 152 | 189 | 261 |
| EPS reported | NOK | 0.81 | 1.06 | |||||
| Operating cashflow per share | NOK | 2.06 | -3.30 | |||||
| Capex per share | NOK | 0.18 | 0.15 | |||||
| FCF per share | NOK | 1.89 | -3.45 | |||||
| Free cash flow | NOK m | 435 | 617 | |||||
| Net debt | NOK m | 352 | 446 | |||||
| Book value equity | NOK m | 2,469 | 2,642 | |||||
| Book value per share | NOK | 10.57 | 11.45 | |||||
| Number of shares | m | 233.7 | 230.69 | |||||
| DPS (TTM paid) | NOK | 0.40 | 0.40 |
Financial summary
Financials in NOK| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 11.51 | 15.14 | |||||
| P/B LTM | x | 0.87 | 1.40 | |||||
| P/S LTM | x | 1.69 | 2.65 | |||||
| P/FCF LTM | x | 4.94 | 6.01 | |||||
| EV/EBITDA LTM | x | 7.69 | 10.33 | |||||
| EV/Sales LTM | x | 1.37 | 2.96 | |||||
| Earnings Yield LTM | % | 8.69% | 6.61% | |||||
| FCF Yield | % | 20.24% | 16.63% | |||||
| Quality | ||||||||
| ROE | % | 7.67% | 7.78% | |||||
| ROIC | % | 7.28% | 6.46% | |||||
| Operating margin | % | 15.39% | 19.00% | |||||
| Gross margin | % | 69.81% | 73.90% | |||||
| FCF/Sales | % | 23.81% | -56.16% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | +32.79% | +49.30% | |||||
| Sales Growth YoY | % | +21.15% | +16.04% | |||||
| Net Income Growth YoY | % | +24.69% | +42.40% | |||||
| FCF Growth | % | +4.44% | - | |||||
| Operating Profit Growth | % | +36.34% | +42.17% | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 0.00% | 2.49% | |||||
| Dividend Growth | % | - | - | |||||
| Payout Ratio | % | 0.00% | 37.60% | |||||
| FCF/Debt | x | 1.24 | 1.38 | |||||
| Net Debt/EBITDA | x | 1.08 | 1.46 | |||||
| EBIT/Net interest | x | 0.51 | 0.73 | |||||
| Net debt/market cap | % | 16.35% | 12.03% | |||||
| Net debt/Equity | x | 0.14 | 0.17 | |||||
| Gross debt/equity | x | 0.14 | 0.17 | |||||
Company overview
Morrow Bank ASA, formerly known as Komplett Bank ASA until its renaming in April 2023, concentrates on providing unsecured financial solutions to private individuals. The bank operates across the markets of Norway, Finland, Sweden, and Germany. Its offerings include various products such as deposit accounts, personal consumer loans, credit cards, and financing options available at the point of sale. The institution was founded in 2012 and has its headquarters situated in Lysaker, Norway.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Morrow Bank ASA (MOBA.OL)
Morrow Bank ASA, formerly known as Komplett Bank ASA until its renaming in April 2023, concentrates on providing unsecured financial solutions to private individuals. The bank operates across the markets of Norway, Finland, Sweden, and Germany. Its offerings include various products such as deposit accounts, personal consumer loans, credit cards, and financing options available at the point of sale. The institution was founded in 2012 and has its headquarters situated in Lysaker, Norway.
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