Instabank ASA (INSTA) - Net Assets
Based on the latest financial reports, Instabank ASA (INSTA) has net assets worth Nkr1.11 Billion NOK (≈ $116.90 Million USD) 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 ≈ $970.40 Million USD) and total liabilities (Nkr8.11 Billion ≈ $853.50 Million USD). 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. Check INSTA goodwill-adjusted equity ratio to evaluate the tangible quality of the company's equity base.
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. See INSTA defensive asset coverage days to measure how many days the company can operate on defensive assets alone.
Annual Net Assets for Instabank ASA (2016–2024)
The table below shows the annual net assets of Instabank ASA from 2016 to 2024. For live valuation and market cap data, see how much is Instabank ASA worth.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | Nkr1.04 Billion ≈ $109.61 Million |
+9.86% |
| 2023-12-31 | Nkr948.14 Million ≈ $99.77 Million |
+20.59% |
| 2022-12-31 | Nkr786.27 Million ≈ $82.74 Million |
+18.04% |
| 2021-12-31 | Nkr666.11 Million ≈ $70.09 Million |
+14.12% |
| 2020-12-31 | Nkr583.68 Million ≈ $61.42 Million |
+2.83% |
| 2019-12-31 | Nkr567.63 Million ≈ $59.73 Million |
+17.34% |
| 2018-12-31 | Nkr483.73 Million ≈ $50.90 Million |
+71.13% |
| 2017-12-31 | Nkr282.67 Million ≈ $29.75 Million |
+19.34% |
| 2016-12-31 | Nkr236.86 Million ≈ $24.92 Million |
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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 |
|---|---|
|
AurosTechnology Inc.
KQ:322310
|
$184.91 Million |
|
Naturelgaz Sanayi ve Ticaret AS
IS:NTGAZ
|
$184.99 Million |
|
Summit Securities Limited
NSE:SUMMITSEC
|
$185.03 Million |
|
IM Vinaria Purcari SRL
RO:WINE
|
$185.04 Million |
|
Urbana Corporation
TO:URB-A
|
$184.87 Million |
|
Taita Chemical Co Ltd
TW:1309
|
$184.76 Million |
|
Globa Terra Acquisition Corporation Class A Ordinary Shares
NASDAQ:GTERA
|
$184.66 Million |
|
XRF Scientific Ltd
AU:XRF
|
$184.65 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: 1.44x
- 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 3.10x to 1.44x 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 | Nkr3.97 | x |
| 2017-12-31 | Nkr0.85 | Nkr3.97 | x |
| 2018-12-31 | Nkr1.45 | Nkr3.97 | x |
| 2019-12-31 | Nkr1.71 | Nkr3.97 | x |
| 2020-12-31 | Nkr1.75 | Nkr3.97 | x |
| 2021-12-31 | Nkr2.00 | Nkr3.97 | x |
| 2022-12-31 | Nkr2.36 | Nkr3.97 | x |
| 2023-12-31 | Nkr2.51 | Nkr3.97 | x |
| 2024-12-31 | Nkr2.75 | Nkr3.97 | 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: $9,288,546,846
- Average return on equity (ROE) among peers: 9.94%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Instabank ASA (INSTA) | Nkr1.11 Billion | -7.35% | 7.30x | $184.90 Million |
| Aasen Sparebank (AASB) | $439.20 Million | 9.23% | 7.84x | $24.75 Million |
| Aurskog Sparebank (AURG) | $422.45 Million | 13.01% | 15.92x | $125.01 Million |
| Bien Sparebank ASA (BIEN) | $694.19 Million | 8.04% | 6.36x | $96.23 Million |
| DnB ASA (DNB) | $75.98 Billion | 19.45% | 18.40x | $44.54 Billion |
| Grong Sparebank (GRONG) | $580.78 Million | 7.93% | 9.14x | $82.73 Million |
| Helgeland Sparebank (HELG) | $1.56 Billion | 6.34% | 10.77x | $453.81 Million |
| Holand og Setskog Sparebank (HSPG) | $658.62 Million | 8.51% | 8.62x | $11.33 Million |
| Jaeren Sparebank (JAREN) | $2.81 Billion | 10.94% | 6.46x | $175.99 Million |
| Kraft Bank Asa (KRAB) | $457.39 Million | 6.03% | 8.58x | $58.93 Million |
About 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