XICE
ISB
Market cap1.57bUSD
Apr 09, Last price
113.00ISK
1D
0.00%
1Q
-10.32%
IPO
14.14%
Name
Islandsbanki hf
Chart & Performance
P/E
8.37
P/S
3.26
EPS
13.50
Div Yield, %
5.54%
Shrs. gr., 5y
-28.14%
Rev. gr., 5y
7.21%
Revenues
62.23b
-2.48%
Net income
24.25b
-1.38%
CFO
32.04b
+22.22%
Dividend
Mar 22, 20246.26 ISK/sh
Earnings
Apr 30, 2025
Profile
Íslandsbanki hf., together with its subsidiaries, provides commercial banking products and services to the retail and corporate sectors in Iceland. The company provides personal banking services comprising online banking, online chat, personal advisory, digital and personalized services to retail customers. It also offers business banking products and services to small and medium-sized enterprises, and asset financing services under the Ergo brand. In addition, the company provides corporate and investment banking services consisting of financial and investment banking services to large companies, pension and investment funds, institutional investors, and high net worth individuals. Further, the company offers securities and foreign currency, investment advice, corporate finance, lending, and private banking services. The company was founded in 1905 and is headquartered in Kópavogur, Iceland.
Valuation
Title ISK in thousands, except ratios and share amounts | FY | FY | FY | FY | FY | FY | FY | FY | FY | FY |
|---|---|---|---|---|---|---|---|---|---|---|
| 2024‑12 | 2023‑12 | 2022‑12 | 2021‑12 | 2020‑12 | 2019‑12 | 2018‑12 | 2017‑12 | 2016‑12 | 2015‑12 | |
| Income | ||||||||||
Revenues | 62,226,000 -2.48% | 63,811,000 11.82% | 57,068,000 14.25% | |||||||
Cost of revenue | 4,590,000 | 5,593,000 | 4,067,000 | |||||||
Unusual Expense (Income) | ||||||||||
NOPBT | 57,636,000 | 58,218,000 | 53,001,000 | |||||||
NOPBT Margin | 92.62% | 91.24% | 92.87% | |||||||
Operating Taxes | 9,426,000 | 9,198,000 | 8,485,000 | |||||||
Tax Rate | 16.35% | 15.80% | 16.01% | |||||||
NOPAT | 48,210,000 | 49,020,000 | 44,516,000 | |||||||
Net income | 24,246,000 -1.38% | 24,585,000 0.20% | 24,535,000 3.38% | |||||||
Dividends | (12,303,000) | (12,254,000) | (11,900,000) | |||||||
Dividend yield | ||||||||||
Proceeds from repurchase of equity | (9,053,000) | (2,310,000) | ||||||||
BB yield | ||||||||||
| Debt | ||||||||||
Debt current | 136,821,000 | |||||||||
Long-term debt | 405,679,000 | 509,541,000 | ||||||||
Deferred revenue | 1,344,275,000 | |||||||||
Other long-term liabilities | (402,559,000) | (506,370,000) | ||||||||
Net debt | (241,875,000) | 134,249,000 | 393,961,000 | |||||||
| Cash flow | ||||||||||
Cash from operating activities | 32,044,000 | 26,218,000 | (39,439,000) | |||||||
CAPEX | (426,000) | (696,000) | (743,000) | |||||||
Cash from investing activities | (922,000) | (322,000) | (1,811,000) | |||||||
Cash from financing activities | (68,918,000) | (78,408,000) | 49,683,000 | |||||||
FCF | (645,527,000) | 112,724,000 | 101,718,000 | |||||||
| Balance | ||||||||||
Cash | 64,902,000 | 87,020,000 | 94,424,000 | |||||||
Long term investments | 176,973,000 | 184,410,000 | 157,977,000 | |||||||
Excess cash | 238,763,700 | 268,239,450 | 249,547,600 | |||||||
Stockholders' equity | 165,253,000 | 164,610,000 | 163,874,000 | |||||||
Invested Capital | 1,442,554,000 | 632,289,000 | 675,426,000 | |||||||
ROIC | 4.65% | 7.50% | 6.97% | |||||||
ROCE | 3.58% | 7.31% | 6.29% | |||||||
| EV | ||||||||||
Common stock shares outstanding | 1,915,526 | 1,992,000 | 2,000,000 | |||||||
Price | ||||||||||
Market cap | ||||||||||
EV | ||||||||||
EBITDA | 59,298,000 | 59,838,000 | 54,401,000 | |||||||
EV/EBITDA | ||||||||||
Interest | 94,077,000 | 88,531,000 | 50,887,000 | |||||||
Interest/NOPBT | 163.23% | 152.07% | 96.01% | |||||||