XHELOMASP
Market cap356mUSD
Dec 20, Last price
10.30EUR
1D
1.98%
1Q
-22.09%
IPO
41.48%
Name
Oma Saastopankki Oyj
Chart & Performance
P/E
3.10
P/S
1.38
EPS
3.32
Div Yield, %
3.89%
Shrs. gr., 5y
4.20%
Rev. gr., 5y
26.78%
Revenues
229m
+58.71%
Net income
110m
+98.71%
CFO
-289m
L+130.52%
Dividend
Mar 27, 20240.33 EUR/sh
Earnings
Feb 03, 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.
Valuation
Title EUR in thousands, except ratios and share amounts | FY | FY | FY | FY | FY | FY | FY | FY | FY |
|---|---|---|---|---|---|---|---|---|---|
| 2023‑12 | 2022‑12 | 2021‑12 | 2020‑12 | 2019‑12 | 2018‑12 | 2017‑12 | 2016‑12 | 2015‑12 | |
| Income | |||||||||
Revenues | 229,241 58.71% | 144,442 -2.34% | 147,910 32.22% | ||||||
Cost of revenue | 24,030 | 5,169 | 4,126 | ||||||
Unusual Expense (Income) | |||||||||
NOPBT | 205,211 | 139,273 | 143,784 | ||||||
NOPBT Margin | 89.52% | 96.42% | 97.21% | ||||||
Operating Taxes | 27,997 | 13,847 | 17,019 | ||||||
Tax Rate | 13.64% | 9.94% | 11.84% | ||||||
NOPAT | 177,214 | 125,426 | 126,765 | ||||||
Net income | 110,051 98.71% | 55,382 -16.29% | 66,158 114.63% | ||||||
Dividends | (13,270) | (15,010) | (12,699) | ||||||
Dividend yield | 1.97% | 2.66% | 2.47% | ||||||
Proceeds from repurchase of equity | (2,054) | (367) | (2,863) | ||||||
BB yield | 0.30% | 0.07% | 0.56% | ||||||
| Debt | |||||||||
Debt current | 154,765 | 372,521 | |||||||
Long-term debt | 2,125,504 | 1,778,512 | |||||||
Deferred revenue | 170 | 118 | |||||||
Other long-term liabilities | (2,151,846) | (31,240) | |||||||
Net debt | (1,503,225) | 1,217,021 | 1,228,568 | ||||||
| Cash flow | |||||||||
Cash from operating activities | (288,570) | (125,184) | (469,770) | ||||||
CAPEX | (6,559) | (3,554) | (5,976) | ||||||
Cash from investing activities | (9,829) | (4,066) | (180) | ||||||
Cash from financing activities | 687,662 | 578,370 | 709,343 | ||||||
FCF | 339,179 | 335,431 | (230,542) | ||||||
| Balance | |||||||||
Cash | 873,922 | 484,660 | 253,781 | ||||||
Long term investments | 629,303 | 578,588 | 668,684 | ||||||
Excess cash | 1,491,763 | 1,056,026 | 915,070 | ||||||
Stockholders' equity | 541,052 | 364,961 | 401,294 | ||||||
Invested Capital | 7,101,854 | 5,685,116 | 5,296,823 | ||||||
ROIC | 2.77% | 2.28% | 2.72% | ||||||
ROCE | 2.68% | 2.29% | 2.51% | ||||||
| EV | |||||||||
Common stock shares outstanding | 31,715 | 30,263 | 30,072 | ||||||
Price | 21.25 14.12% | 18.62 8.89% | 17.10 61.32% | ||||||
Market cap | 673,943 19.60% | 563,504 9.58% | 514,228 63.98% | ||||||
EV | (829,282) | 1,780,525 | 1,743,318 | ||||||
EBITDA | 213,692 | 146,857 | 154,097 | ||||||
EV/EBITDA | 12.12 | 11.31 | |||||||
Interest | 125,462 | 16,946 | 4,779 | ||||||
Interest/NOPBT | 61.14% | 12.17% | 3.32% | ||||||