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XHEL
OMASP
Market cap343mUSD
May 02, Last price  
9.15EUR
1D
0.55%
1Q
-18.16%
IPO
25.69%
Name

Oma Saastopankki Oyj

Chart & Performance

D1W1MN
P/E
5.09
P/S
1.12
EPS
1.80
Div Yield, %
3.61%
Shrs. gr., 5y
2.54%
Rev. gr., 5y
23.72%
Revenues
270m
+17.92%
54,353,00060,339,00074,088,00075,464,00093,244,000111,870,000147,910,000144,442,000229,241,000270,324,000
Net income
60m
-45.89%
14,778,00016,044,00024,208,00020,203,00027,579,00030,824,00066,158,00055,382,000110,051,00059,548,000
CFO
197m
P
58,638,000-71,312,000276,252,000-290,444,000-203,921,000-129,630,000-469,770,000-125,184,000-288,570,000197,429,000
Dividend
Mar 27, 20240.33 EUR/sh
Earnings
Jul 28, 2025

Profile

Oma Säästöpankki Oyj, a savings bank, provides banking services to private customers, small and medium-sized enterprises, and agriculture and forestry entrepreneurs in Finland. The company offers accounts; cards mortgage, car, renovation, student, business, and other loans, as well as guarantee facilities; savings and investment products; and asset management, payment, insurance, brokerage, and legal and other advisory services, as well as mobile and online banking services. It operates 32 branches. The company was founded in 2009 and is headquartered in Lappeenranta, Finland.
IPO date
Nov 30, 2018
Employees
380
Domiciled in
FI
Incorporated in
FI

Valuation

Title
EUR in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFYFY
2024‑122023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
270,324
17.92%
229,241
58.71%
144,442
-2.34%
Cost of revenue
24,030
5,169
Unusual Expense (Income)
NOPBT
270,324
205,211
139,273
NOPBT Margin
100.00%
89.52%
96.42%
Operating Taxes
15,041
27,997
13,847
Tax Rate
5.56%
13.64%
9.94%
NOPAT
255,283
177,214
125,426
Net income
59,548
-45.89%
110,051
98.71%
55,382
-16.29%
Dividends
(33,139)
(13,270)
(15,010)
Dividend yield
9.32%
1.97%
2.66%
Proceeds from repurchase of equity
(2,054)
(367)
BB yield
0.30%
0.07%
Debt
Debt current
154,765
Long-term debt
2,125,504
Deferred revenue
170
Other long-term liabilities
(2,151,846)
Net debt
(1,292,106)
(1,503,225)
1,217,021
Cash flow
Cash from operating activities
197,429
(288,570)
(125,184)
CAPEX
(8,141)
(6,559)
(3,554)
Cash from investing activities
(79,258)
(9,829)
(4,066)
Cash from financing activities
(313,405)
687,662
578,370
FCF
246,827
339,179
335,431
Balance
Cash
678,688
873,922
484,660
Long term investments
613,418
629,303
578,588
Excess cash
1,278,590
1,491,763
1,056,026
Stockholders' equity
418,232
541,052
364,961
Invested Capital
7,290,858
7,101,854
5,685,116
ROIC
3.55%
2.77%
2.28%
ROCE
3.51%
2.68%
2.29%
EV
Common stock shares outstanding
33,531
31,715
30,263
Price
10.60
-50.12%
21.25
14.12%
18.62
8.89%
Market cap
355,428
-47.26%
673,943
19.60%
563,504
9.58%
EV
(936,678)
(829,282)
1,780,525
EBITDA
279,176
213,692
146,857
EV/EBITDA
12.12
Interest
136,491
125,462
16,946
Interest/NOPBT
50.49%
61.14%
12.17%