ScoreWhy is Norion Bank AB ?
1
High Profitability with a Net Interest Margin of 7.43%
2
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 46.97%
3
Flat results in Jun 25
- OPERATING CASH FLOW(Y) Lowest at SEK -4,046 MM
- CREDIT DEPOSIT RATIO(HY) Lowest at 106.92%
- NET SALES(Q) Lowest at SEK 1,276 MM
4
With ROA of 1.95%, it has a very attractive valuation with a 1.41 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 62.96%, its profits have risen by 10.7% ; the PEG ratio of the company is 0.9
5
Market Beating Performance
- The stock has generated a return of 62.96% in the last 1 year, much higher than market (OMX Stockholm 30) returns of 8.01%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Norion Bank AB should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Norion Bank AB for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
Norion Bank AB
62.96%
1.41
41.88%
OMX Stockholm 30
8.01%
0.44
18.11%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
16.79%
EBIT Growth (5y)
64.76%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
1.41
EV to EBIT
9.62
EV to EBITDA
9.21
EV to Capital Employed
1.32
EV to Sales
3.10
PEG Ratio
0.92
Dividend Yield
NA
ROCE (Latest)
13.71%
ROE (Latest)
14.29%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
No Trend
OBV
Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend0What is working for the Company
NO KEY POSITIVE TRIGGERS
-6What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at SEK -4,046 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 106.92%
NET SALES(Q)
Lowest at SEK 1,276 MM
Here's what is not working for Norion Bank AB
Operating Cash Flow
Lowest at SEK -4,046 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (SEK MM)
Credit Deposit Ratio
Lowest at 106.92% and Fallen
In each half year in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
Net Sales
Lowest at SEK 1,276 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (SEK MM)
Capital Adequacy Ratio
Lowest at 15.4%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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