Financials / Banks - RegionalUpdated 2026-05-10 22:07 UTC

OSL/INSTA stock hub

OSL/INSTA has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

Oslo Børs

Market data

Live price

Current market quote for this ticker.

Current price

OSL/INSTA

In the news

Latest news · OSL/INSTA

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Fetching the latest headlines.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E10.7

P25 n/aP50 n/aP75 n/a

Trailing P/E14.8

P25 n/aP50 n/aP75 n/a

ROE10.7

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All OSL/INSTA market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

161

Groups with data

Currency

NOK

Showing 161 of 161 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Country	Norway
Country code	NO
Employees	64
Employees Change	-1%
Employees Change Percent	-1.54
Exchange	Oslo Børs
Financial currency	NOK
First seen	2026-05-10
Industry	Banks - Regional
Isin	NO0010762792
Last refreshed	2026-05-10
Market cap	NOK 2B
Price	NOK 4.34
Price currency	NOK
Rev Per Employee	7,303,389.83x
Sector	Financials
Sic	6020
Symbol	osl/INSTA
Website	https://www.instabank.no

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	6.74%
Forward P/E	10.73x
P/B ratio	1.39x
P/E ratio	14.84x
P/S ratio	4.56x
PE Ratio10 Y	18.35x
PE Ratio3 Y	8.59x
PE Ratio5 Y	8.94x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Gross Profit	NOK 430.9M
Net Income	NOK 132.4M
Net Income Growth	28.49%
Net Income Growth Q	41.65%
Net Income Growth3 Y	15.8%
Net Income Growth5 Y	20.85%
Pretax Margin	38.65%
Profit Margin	30.73%
Profit Per Employee	NOK 2.2M
ROA	1.4
Roa5y	1.53
ROE	10.69
Roe5y	11.26

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr1y	92.26%
Cagr3y	42.49%
Cagr5y	19.39%
EPS Growth	13.03
EPS Growth Q	20.52
EPS Growth3 Y	6.89
EPS Growth5 Y	16.46
Revenue Growth	20.52x
Revenue Growth Q	-1.94x
Revenue Growth3 Y	17.98x
Revenue Growth5 Y	18.2x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Assets	NOK 10.7B
Cash	NOK 2.6M
Debt	NOK 206M
Equity	NOK 1.4B
Liabilities	NOK 9.3B
Net Cash	NOK -203.4M
Net Cash By Market Cap	NOK -10.36
Net Debt Equity	NOK 0.14
Tangible Book Value	NOK 1.4B
Tangible Book Value Per Share	NOK 3.06
WACC	5.78

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	NOK -8.9B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	-11.67%
Dividend Growth	0%
Dividend Growth Years	1%
Dividend per share	NOK 0.09
Dividend Years	2
Dividend Yield	2.07%
Ex Div Date	2026-04-10
Last Dividend	NOK 0.09
Payout Frequency	Annual

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
1Y total return	92.17%
200-day SMA	3.5
3Y total return	189.34%
50-day SMA	4.11
50-day SMA vs 200-day SMA	50over200
5Y total return	142.53%
All Time High	4.49
All Time High Change	-3.34%
All Time High Date	2026-02-26
All Time Low	0.5
All Time Low Change	768%
All Time Low Date	2020-05-05
ATR	0.13
Beta	0.39
Beta1y	0.27
Beta2y	0.2
Ch YTD	26.53
High	4.4
High52	4.49
High52 Date	2026-02-26
High52ch	-3.34%
Low	4.27
Low52	2.24
Low52 Date	2025-05-09
Low52ch	93.75%
Ma50ch	5.49%
Price vs 200-day SMA	23.86%
RSI	60.71
RSI Monthly	78.14
RSI Weekly	70.25
Sharpe ratio	2.86x
Sortino ratio	4.83
Total Return	-9.59%
Tr YTD	29.42
Tr1m	10.98%
Tr1w	-0.91%
Tr3m	14.12%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	NOK 166.6M
Operating margin	38.65

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	142,695,260%
Shares Insiders	16.2%
Shares Institutions	11.6%
Shares Out	452,606,339
Shares Qo Q	-4.85%
Shares Yo Y	11.67%

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Average Volume	1,124,146.8x
Bv Per Share	3.13
Ch1m	8.5
Ch1w	-0.91
Ch1y	87.88
Ch3m	11.57
Ch3y	173
Ch5y	127.2
Ch6m	26.53
Change	-1.36%
Change From Open	-0.46
Close	4.4
Days Gap	-0.91
Dollar Volume	2,213,847
Earnings Date	2026-05-08
EPS	NOK 0.29
F Score	2
Fiscal Year End	December
Founded	2,016
Graham Number	4.53715
Graham Upside	4.54
Income Tax	NOK 34.1M
Is Primary Listing	1
Last Earnings Date	2026-05-08
Last Report Date	2026-03-31
Lynch Fair Value	NOK 6.1
Lynch Upside	40.57
Ma150	3.7
Ma150ch	17.17%
Ma20	4.18
Ma20ch	3.85%
Next Earnings Date	2026-08-14
Open	4.36
Payment Date	2026-04-20
Position In Range	53.85
Ppne	9,335,000
Price Date	2026-05-08
Ptbv Ratio	1.42
Relative Volume	0.65x
Revenue	430,900,000x
Tax By Revenue	7.92x
Tax Rate	20.5%
Tr6m	29.42%
Volume	510,103

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

OSL/INSTA dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+2.1%

$0.09 annual per share

Payout ratio

n/a

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

n/a

1 consecutive years of growth

Total shareholder yield

-9.6%

Next ex-dividend date: 2026-04-10

Performance

OSL/INSTA stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns OSL/INSTA?

Insider, institutional, and short-interest positioning.

Institutional ownership

+11.6%

Share of float held by funds and institutions

Insider ownership

+16.2%

Stake held by company insiders. Higher generally signals alignment.

Short interest

n/a

Float sold short by bearish positioning

Y/Y dilution

+11.7%

Negative means the company is buying back shares.

Technical

OSL/INSTA momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

60.7

Neutral momentum band

Price vs 200-day MA

+23.9%

50/200-day relationship not available

Beta (5Y)

0.39

Less volatile than the market

Sharpe ratio

2.86

Risk-adjusted return — higher is better; >1.0 is solid.

Questions

About OSL/INSTA

Hub-level FAQ points readers to the deeper analysis pages.

What is the current osl/INSTA stock rating?

osl/INSTA is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full osl/INSTA analysis?

The full report lives at /stocks/osl/INSTA/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for osl/INSTA?

The latest report frames osl/INSTA around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the osl/INSTA page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.