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Page: Company Financials

Norion Bank AB

Ticker: NORION.ST | Industry: Financial - Credit Services | Sector: Financial Services
$67.10 -0.10 (-0.15%)
As of: 2026-01-23

Master Data Export

Enterprise Value

Metric 2025 2024 2023 2022
Stock Price 51.05 41.74 36.36 35.41
Market Capitalization 10,357.76M 8,572.09M 7,466.63M 7,272.54M
(-) Cash & Equivalents 0.00M 1,049.00M 801.00M 777.25M
(+) Total Debt 2,750.33M 2,230.25M 2,304.75M 4,204.00M
Enterprise Value 13,108.10M 9,753.34M 8,970.38M 10,699.29M

Income Statement

Metric TTM TTM-1 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31 2017-12-31 2016-12-31
Revenue 5,588M 5,563M 5,621M 4,966M 3,699M 2,998M 2,504M 2,272M 1,866M 1,562M 1,127M
Cost of Revenue 1,346M 1,867M 1,923M 1,318M 486M 361M 388M 352M 207M 144M 110M
Gross Profit 4,242M 3,696M 3,698M 3,648M 3,213M 2,637M 2,116M 1,920M 1,659M 1,418M 1,017M
Gross Profit Margin 75.9% 66.4% 65.8% 73.5% 86.9% 88.0% 84.5% 84.5% 88.9% 90.8% 90.2%
R&D Expenses 0M 0M 0M 0M 0M 0M 0M 0M 0M 0M 0M
SG&A Expenses 128M 169M 167M 174M 161M 156M 165M 100M 72M 298M 230M
Operating Expenses 1,522M 2,055M 2,088M 2,011M 1,771M 1,678M 1,714M 2,190M 1,011M 760M 631M
Operating Income (EBIT) 2,720M 1,641M 1,610M 1,637M 1,442M 959M 402M -270M 648M 658M 386M
Operating Income Margin 48.7% 29.5% 28.6% 33.0% 39.0% 32.0% 16.1% -11.9% 34.7% 42.1% 34.3%
Interest Income 3,969M 5,212M 5,236M 4,609M 3,385M 2,684M 2,198M 2,036M 2,019M 1,704M 1,296M
Interest Expense 1,346M 1,867M 1,923M 1,318M 486M 361M 388M 352M 207M 144M 110M
Net Interest Income 2,623M 3,345M 3,313M 3,291M 2,899M 2,323M 1,810M 1,684M 1,812M 1,560M 1,186M
Unusual Items -3,529M -3,345M -3,313M -3,291M -2,899M -2,323M -1,810M -1,684M -1,812M -1,560M -1,186M
EBT Excluding Unusual Items 5,343M 4,986M 4,923M 4,928M 4,341M 3,282M 2,212M 1,414M 2,460M 2,218M 1,572M
Pre-Tax Income 1,814M 1,641M 1,610M 1,637M 1,442M 959M 402M -270M 648M 658M 386M
Pre-Tax Margin 32.5% 29.5% 28.6% 33.0% 39.0% 32.0% 16.1% -11.9% 34.7% 42.1% 34.3%
Income Tax Expense 391M 349M 344M 342M 302M 204M 102M -52M 152M 149M 86M
Net Income 1,423M 1,290M 1,265M 1,294M 1,141M 753M 303M -219M 496M 510M 300M
Net Income Margin 25.5% 23.2% 22.5% 26.1% 30.8% 25.1% 12.1% -9.6% 26.6% 32.7% 26.6%
Depreciation & Amortization 60M 66M 71M 67M 63M 36M 45M 87M 67M 45M 26M
EBITDA 2,780M 1,707M 1,681M 1,704M 1,505M 995M 447M -183M 715M 703M 412M
EBITDA Margin 49.7% 30.7% 29.9% 34.3% 40.7% 33.2% 17.9% -8.1% 38.3% 45.0% 36.6%
NOPAT 2,134M 1,292M 1,266M 1,295M 1,140M 755M 300M -213M 496M 509M 300M
NOPAT Margin 38.2% 23.2% 22.5% 26.1% 30.8% 25.2% 12.0% -9.4% 26.6% 32.6% 26.6%
Owner's Earnings 1,428M 1,276M 1,259M 1,303M 1,165M 754M 310M -206M 437M 439M 238M
Owner's Earnings Margin 25.6% 22.9% 22.4% 26.2% 31.5% 25.2% 12.4% -9.1% 23.4% 28.1% 21.1%
EPS (Basic) 6.98 6.13 6.09 6.02 5.34 3.47 1.42 -0.05 3.78 3.46 2.92
EPS (Diluted) 6.98 6.28 6.16 6.30 5.56 3.67 1.48 -1.46 3.32 3.40 2.16
Shares (Basic) 204M 205M 205M 205M 205M 205M 205M 150M 150M 150M 139M
Shares (Diluted) 204M 205M 205M 205M 205M 205M 205M 150M 150M 150M 139M

Balance Sheet

Metric MRQ MRQ-1 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31 2017-12-31 2016-12-31
Cash & Cash Equivalents 0.00M 0.00M 4,196.00M 3,204.00M 3,109.00M 5,309.00M 3,793.00M 4,899.00M 1,815.00M 1,460.00M 962.00M
Short-Term Investments 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Cash & Short-Term Investments 0.00M 0.00M 4,196.00M 3,204.00M 3,109.00M 5,309.00M 3,793.00M 4,899.00M 1,815.00M 1,460.00M 962.00M
Net Receivables 0.00M 0.00M 172.00M 91.00M 31.00M 34.00M 18.00M 139.00M 0.00M 170.00M 140.00M
Inventory 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Other Current Assets 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Total Current Assets 0.00M 0.00M 4,368.00M 3,295.00M 3,140.00M 5,343.00M 3,811.00M 5,038.00M 1,815.00M 1,630.00M 1,102.00M
Property, Plant & Equipment 55.00M 61.00M 75.00M 109.00M 137.00M 0.00M 0.00M 1.00M 1.00M 2.00M 3.00M
Goodwill 0.00M 0.00M 0.00M 0.00M 0.00M 19.00M 19.00M 19.00M 19.00M 23.00M 0.00M
Intangible Assets 155.00M 150.00M 140.00M 105.00M 79.00M 70.00M 96.00M 108.00M 263.00M 187.00M 115.00M
Long-Term Investments 0.00M 53,592.00M 50,297.00M 45,518.00M 41,490.00M 36,214.00M 32,361.00M 30,229.00M 26,485.00M 19,727.00M 13,307.00M
Tax Assets 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 2.00M 9.00M 0.00M 0.00M 0.00M
Other Non-Current Assets -210.00M 16,072.00M 12,254.00M 4,970.00M 3,774.00M 2,623.00M 1,434.00M 1,406.00M 1,009.00M 642.00M 317.00M
Other Assets 69,381.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Total Non-Current Assets 69,381.00M 69,875.00M 62,766.00M 50,702.00M 45,480.00M 38,926.00M 33,912.00M 31,772.00M 27,777.00M 20,581.00M 13,742.00M
Total Assets 69,381.00M 69,875.00M 67,134.00M 53,997.00M 48,620.00M 44,269.00M 37,723.00M 36,810.00M 29,592.00M 22,211.00M 14,844.00M
Accounts Payable 0.00M 0.00M 427.00M 330.00M 137.00M 101.00M 83.00M 100.00M 55.00M 26.00M 27.00M
Short-Term Debt 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Tax Payables 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 1.00M 37.00M 92.00M 65.00M
Deferred Revenue 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Other Current Liabilities 0.00M 55,376.00M 53,116.00M 42,669.00M 36,842.00M 31,351.00M 31,079.00M 29,643.00M 22,577.00M 15,390.00M 11,412.00M
Total Current Liabilities 0.00M 55,376.00M 53,543.00M 42,999.00M 36,979.00M 31,452.00M 31,162.00M 29,744.00M 22,669.00M 15,508.00M 11,504.00M
Long-Term Debt 2,896.00M 2,678.00M 2,991.00M 1,357.00M 3,473.00M 5,729.00M 1,215.00M 3,592.00M 3,268.00M 3,332.00M 832.00M
Capital Lease Obligations 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Deferred Tax Liabilities 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Other Non-Current Liabilities -2,896.00M 2,205.00M 1,621.00M 1,397.00M 1,154.00M 1,197.00M 654.00M 409.00M 382.00M 460.00M 225.00M
Total Non-Current Liabilities 0.00M 4,883.00M 4,612.00M 2,754.00M 4,627.00M 6,926.00M 1,869.00M 4,001.00M 3,650.00M 3,792.00M 1,057.00M
Total Liabilities 0.00M 60,259.00M 58,155.00M 45,753.00M 41,606.00M 38,378.00M 33,031.00M 33,745.00M 26,319.00M 19,300.00M 12,561.00M
Preferred Stock 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Common Stock 149.00M 149.00M 149.00M 149.00M 149.00M 149.00M 149.00M 149.00M 149.00M 149.00M 149.00M
Retained Earnings 9,525.00M 9,595.00M 8,904.00M 7,654.00M 6,418.00M 5,266.00M 4,562.00M 3,003.00M 3,222.00M 2,899.00M 1,975.00M
Accumulated OCI -7.00M -7.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Minority Interest 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Total Shareholders’ Equity 9,667.00M 9,737.00M 9,053.00M 7,803.00M 6,567.00M 5,415.00M 4,711.00M 3,152.00M 3,371.00M 3,048.00M 2,124.00M
Total Equity 9,667.00M 9,737.00M 9,053.00M 7,803.00M 6,567.00M 5,415.00M 4,711.00M 3,152.00M 3,371.00M 3,048.00M 2,124.00M
Total Liabilities & Equity 9,667.00M 69,996.00M 67,208.00M 53,556.00M 48,173.00M 43,793.00M 37,742.00M 36,897.00M 29,690.00M 22,348.00M 14,685.00M
Tangible Assets 69,226.00M 69,725.00M 66,994.00M 53,892.00M 48,541.00M 44,180.00M 37,608.00M 36,683.00M 29,310.00M 22,001.00M 14,729.00M
Tangible Equity 9,512.00M 9,587.00M 8,913.00M 7,698.00M 6,488.00M 5,326.00M 4,596.00M 3,025.00M 3,089.00M 2,838.00M 2,009.00M
Tangible Book Value 9,512.00M 9,587.00M 8,913.00M 7,698.00M 6,488.00M 5,326.00M 4,596.00M 3,025.00M 3,089.00M 2,838.00M 2,009.00M
Total Investments 0.00M 53,592.00M 50,297.00M 45,518.00M 41,490.00M 36,214.00M 32,361.00M 30,229.00M 26,485.00M 19,727.00M 13,307.00M
Net Debt 2,896.00M 2,678.00M -1,205.00M -1,847.00M 364.00M 420.00M -2,578.00M -1,307.00M 1,453.00M 1,872.00M -130.00M

Capital Metrics

Metric MRQ MRQ-1 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31 2017-12-31 2016-12-31
Working Capital 0.0M -55,250.0M -49,103.0M -39,645.0M -33,783.0M -26,084.0M -27,336.0M -24,622.0M -20,759.0M -13,751.0M -10,105.0M
Total Capital 12,568.0M 12,420.0M 12,042.0M 9,660.0M 10,543.0M 11,645.0M 5,922.0M 6,741.0M 6,636.0M 6,370.0M 3,412.0M
Capital Employed 69,381.0M 14,625.0M 13,663.0M 11,057.0M 11,697.0M 12,842.0M 6,576.0M 7,150.0M 7,018.0M 6,830.0M 3,637.0M
Invested Capital 12,568.0M 12,420.0M 7,846.0M 6,456.0M 7,434.0M 6,336.0M 2,129.0M 1,842.0M 4,821.0M 4,910.0M 2,450.0M

Cash Flow Statement

Metric TTM TTM-1 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31 2017-12-31 2016-12-31
Net Income 1,720.00M 1,639.00M 1,609.00M 1,636.00M 1,442.00M 963.00M 416.00M -241.00M 648.00M 665.00M 503.00M
Depreciation & Amortization 0.00M 0.00M 71.00M 67.00M 63.00M 36.00M 0.00M 0.00M 67.00M 45.00M 26.00M
Deferred Income Tax 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Stock-Based Compensation 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Change in Working Capital -1,566.00M -1,403.00M -2,490.00M -374.00M -1,871.00M -5,136.00M -1,603.00M 2,449.00M 562.00M -6,102.00M -4,614.00M
Accounts Receivable 0.00M 0.00M -7,248.00M -1,019.00M -999.00M -944.00M -1,414.00M -109.00M 31.00M -6,195.00M -98.00M
Inventory 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Accounts Payable 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Other Working Capital -1,566.00M -1,403.00M 4,758.00M 645.00M -872.00M -4,192.00M -189.00M 2,558.00M 531.00M 93.00M -4,516.00M
Other Non-Cash Items 705.00M 1,005.00M 709.00M 1,033.00M 643.00M 626.00M 1,233.00M 1,025.00M -275.00M 32.00M -234.00M
Net Cash from Operating Activities 859.00M 1,241.00M -101.00M 2,362.00M 277.00M -3,511.00M 46.00M 3,233.00M 1,002.00M -5,360.00M -4,319.00M
Capital Expenditures (PPE) -72.00M -62.00M -1.00M -1.00M -1.00M -35.00M -38.00M -74.00M -126.00M -116.00M -2.00M
Acquisitions (Net) 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M -295.00M 0.00M 0.00M
Purchases of Investments 0.00M 0.00M -62.00M 0.00M 0.00M -4.00M 0.00M -589.00M -249.00M -573.00M -918.00M
Sales / Maturities of Investments 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 90.00M 179.00M 85.00M 37.00M 746.00M
Other Investing Activities -62.00M -18.00M -76.00M -57.00M -38.00M 0.00M 0.00M 0.00M 0.00M 0.00M -86.00M
Net Cash from Investing Activities -134.00M -80.00M -139.00M -58.00M -39.00M -39.00M 52.00M -484.00M -585.00M -652.00M -260.00M
Net Debt Issuance 332.00M 784.00M 1,638.00M -2,083.00M -2,445.00M 5,006.00M -2,377.00M 325.00M -65.00M 514.00M 0.00M
Long-Term Debt Issuance 112.00M 784.00M 1,638.00M -2,083.00M -2,445.00M 5,006.00M -2,377.00M 325.00M -65.00M 514.00M 0.00M
Short-Term Debt Issuance 220.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Net Stock Issuance -500.00M 0.00M 0.00M 0.00M 0.00M 0.00M 1,250.00M 0.00M 0.00M 0.00M 513.00M
Common Stock Issuance 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 1,250.00M 0.00M 0.00M 0.00M 513.00M
Common Stock Repurchased -500.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Preferred Stock Issuance 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Net Dividends Paid 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Common Dividends Paid 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Preferred Dividends Paid 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Other Financing Activities -31.00M -528.00M -515.00M -58.00M -44.00M -51.00M -30.00M 0.00M -6.00M 5,963.00M 4,257.00M
Net Cash from Financing Activities -199.00M 256.00M 1,123.00M -2,141.00M -2,489.00M 4,955.00M -1,157.00M 325.00M -71.00M 6,477.00M 4,770.00M
Effect of FX on Cash 54.00M -13.00M 78.00M -10.00M 73.00M 30.00M -47.00M 10.00M 9.00M 0.00M 0.00M
Net Change in Cash 580.00M 1,404.00M 961.00M 153.00M -2,178.00M 1,435.00M -1,106.00M 3,084.00M 355.00M 465.00M 191.00M
Cash at Beginning of Period 12,327.00M 12,618.00M 3,203.00M 3,050.00M 5,228.00M 3,793.00M 4,899.00M 1,815.00M 1,460.00M 995.00M 771.00M
Cash at End of Period 12,907.00M 14,022.00M 4,164.00M 3,203.00M 3,050.00M 5,228.00M 3,793.00M 4,899.00M 1,815.00M 1,460.00M 962.00M
Operating Cash Flow 859.00M 1,241.00M -101.00M 2,362.00M 277.00M -3,511.00M 46.00M 3,233.00M 1,002.00M -5,360.00M -4,319.00M
Capital Expenditure -55.00M -80.00M -77.00M -58.00M -39.00M -35.00M -38.00M -74.00M -126.00M -116.00M -88.00M
Free Cash Flow 804.00M 1,161.00M -178.00M 2,304.00M 238.00M -3,546.00M 8.00M 3,159.00M 876.00M -5,476.00M -4,407.00M

Free Cash Flow

Metric TTM TTM-1 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31 2017-12-31 2016-12-31
EBITDA 4,174.00M 3,593.00M 3,602.00M 3,541.00M 3,115.00M 2,517.00M 1,996.00M 1,907.00M 1,654.00M 1,165.00M 813.00M
(-) Tax Adjustment 899.69M 764.14M 769.62M 739.78M 652.38M 535.42M 506.45M 367.27M 387.98M 263.81M 181.13M
(-) Change In Working Capital -1,566.00M -1,403.00M -2,490.00M -374.00M -1,871.00M -5,136.00M -1,603.00M 2,449.00M 562.00M -6,102.00M -4,614.00M
(-) Capital Expenditure -55.00M -80.00M -77.00M -58.00M -39.00M -35.00M -38.00M -74.00M -126.00M -116.00M -88.00M
Unlevered Free Cash Flow 4,785.31M 4,151.86M 5,245.38M 3,117.22M 4,294.62M 7,082.58M 3,054.55M -983.27M 578.02M 6,887.19M 5,157.87M
(-) Net Interest Income After Taxes 2,057.62M 2,633.60M 2,605.13M 2,603.45M 2,291.86M 1,828.85M 1,350.75M 1,359.67M 1,386.96M 1,206.75M 921.76M
Net Debt Issuance 332.00M 784.00M 1,638.00M -2,083.00M -2,445.00M 5,006.00M -2,377.00M 325.00M -65.00M 514.00M 0.00M
Levered Free Cash Flow 3,059.69M 2,302.26M 4,278.25M -1,569.23M -442.24M 10,259.73M -673.19M -2,017.95M -873.94M 6,194.45M 4,236.10M