Instabank ASA
Instabank ASA provides various banking products and services in Norway. The company accepts deposits and saving account; and offers consumer and secured loans, refinance, and credit cards, as well as loans for vehicles and boats. It also provides payment, car, travel, contents, and dental health insurance products; and credit cards. Instabank ASA was incorporated in 2016 and is based in Oslo, Nor… Read more
Instabank ASA (INSTA) - Net Assets
Latest net assets as of June 2025: Nkr1.11 Billion NOK
Based on the latest financial reports, Instabank ASA (INSTA) has net assets worth Nkr1.11 Billion NOK as of June 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (Nkr9.22 Billion) and total liabilities (Nkr8.11 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | Nkr1.11 Billion |
| % of Total Assets | 12.05% |
| Annual Growth Rate | 20.34% |
| 5-Year Change | 78.46% |
| 10-Year Change | N/A |
| Growth Volatility | 19.48 |
Instabank ASA - Net Assets Trend (2016–2024)
This chart illustrates how Instabank ASA's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Instabank ASA (2016–2024)
The table below shows the annual net assets of Instabank ASA from 2016 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | Nkr1.04 Billion | +9.86% |
| 2023-12-31 | Nkr948.14 Million | +20.59% |
| 2022-12-31 | Nkr786.27 Million | +18.04% |
| 2021-12-31 | Nkr666.11 Million | +14.12% |
| 2020-12-31 | Nkr583.68 Million | +2.83% |
| 2019-12-31 | Nkr567.63 Million | +17.34% |
| 2018-12-31 | Nkr483.73 Million | +71.13% |
| 2017-12-31 | Nkr282.67 Million | +19.34% |
| 2016-12-31 | Nkr236.86 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Instabank ASA's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 39531800000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | Nkr377.91 Million | 36.28% |
| Other Components | Nkr663.69 Million | 63.72% |
| Total Equity | Nkr1.04 Billion | 100.00% |
Instabank ASA Competitors by Market Cap
The table below lists competitors of Instabank ASA ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Thailand Prime Property Freehold and Leasehold Real Estate Investment Trust
BK:TPRIME
|
$40.59 Million |
|
TegoScience Inc
KQ:191420
|
$40.59 Million |
|
Effecten-Spiegel AG
STU:EFS
|
$40.60 Million |
|
CB Industrial Product Holding
KLSE:7076
|
$40.60 Million |
|
ESAF Small Finance Bank
NSE:ESAFSFB
|
$40.58 Million |
|
Emperor Energy Ltd
AU:EMP
|
$40.57 Million |
|
Reach Ten Holdings Berhad
KLSE:5332
|
$40.56 Million |
|
PW MEDTECH GROUP DL-0001
F:PWE
|
$40.56 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Instabank ASA's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 948,139,000 to 1,041,603,000, a change of 93,464,000 (9.9%).
- Net income of 98,124,000 contributed positively to equity growth.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | Nkr98.12 Million | +9.42% |
| Other Changes | Nkr-4.66 Million | -0.45% |
| Total Change | Nkr- | 9.86% |
Book Value vs Market Value Analysis
This analysis compares Instabank ASA's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.45x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 3.11x to 1.45x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2016-12-31 | Nkr1.28 | Nkr3.98 | x |
| 2017-12-31 | Nkr0.85 | Nkr3.98 | x |
| 2018-12-31 | Nkr1.45 | Nkr3.98 | x |
| 2019-12-31 | Nkr1.71 | Nkr3.98 | x |
| 2020-12-31 | Nkr1.75 | Nkr3.98 | x |
| 2021-12-31 | Nkr2.00 | Nkr3.98 | x |
| 2022-12-31 | Nkr2.36 | Nkr3.98 | x |
| 2023-12-31 | Nkr2.51 | Nkr3.98 | x |
| 2024-12-31 | Nkr2.75 | Nkr3.98 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Instabank ASA utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 9.42%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 19.94%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 7.69x
- Recent ROE (9.42%) is above the historical average (6.27%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2016 | -7.35% | 0.00% | 0.00x | 2.22x | Nkr-41.09 Million |
| 2017 | 0.81% | 2.27% | 0.05x | 7.47x | Nkr-25.97 Million |
| 2018 | 5.39% | 13.75% | 0.06x | 7.06x | Nkr-22.32 Million |
| 2019 | 7.27% | 17.03% | 0.07x | 6.24x | Nkr-15.52 Million |
| 2020 | 7.31% | 16.22% | 0.07x | 6.85x | Nkr-15.69 Million |
| 2021 | 12.53% | 26.08% | 0.07x | 7.25x | Nkr16.84 Million |
| 2022 | 10.46% | 23.00% | 0.06x | 7.38x | Nkr3.61 Million |
| 2023 | 10.64% | 22.87% | 0.06x | 7.68x | Nkr6.06 Million |
| 2024 | 9.42% | 19.94% | 0.06x | 7.69x | Nkr-6.04 Million |
Industry Comparison
This section compares Instabank ASA's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $1,366,000,667
- Average return on equity (ROE) among peers: 8.02%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Instabank ASA (INSTA) | Nkr1.11 Billion | -7.35% | 7.30x | $40.58 Million |
| Aasen Sparebank (AASB) | $827.45 Million | 9.55% | 7.18x | $16.20 Million |
| Aurskog Sparebank (AURG) | $330.39 Million | 10.56% | 15.15x | $106.30 Million |
| Bien Sparebank ASA (BIEN) | $694.19 Million | 8.04% | 6.36x | $71.28 Million |
| Flekkefjord Sparebank (FFSB) | $704.85 Million | 8.01% | 7.79x | $11.92 Million |
| Grong Sparebank (GRONG) | $921.66 Million | 9.32% | 7.58x | $55.44 Million |
| Helgeland Sparebank (HELG) | $5.22 Billion | 10.93% | 6.46x | $400.97 Million |
| Haugesund Sparebank (HGSB) | $1.55 Billion | 7.63% | 6.85x | $63.52 Million |
| Holand og Setskog Sparebank (HSPG) | $160.35 Million | 0.00% | 8.28x | $8.64 Million |
| Jaeren Sparebank (JAREN) | $1.89 Billion | 8.15% | 6.69x | $35.81 Million |