ScoreWhy is Norion Bank AB ?
1
High Profitability with a Net Interest Margin of 11.04%
2
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 37.53%
3
Negative results in Jun 26
- OPERATING PROFIT(Q) Lowest at SEK 316 MM
- OPERATING PROFIT MARGIN(Q) Lowest at 24.86 %
- PRE-TAX PROFIT(Q) Lowest at SEK 329 MM
4
With ROA of 1.89%, it has a attractive valuation with a 1.02 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 1.22%, its profits have fallen by -2.7% ; the PEG ratio of the company is 1.5
5
Underperformed the market in the last 1 year
- The stock has generated a return of 1.22% in the last 1 year, much lower than market (OMX Stockholm 30) returns of 27.70%
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
1.22%
1.54
39.24%
OMX Stockholm 30
27.7%
1.79
15.50%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
16.89%
EBIT Growth (5y)
29.85%
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
8
Industry P/E
Price to Book Value
1.02
EV to EBIT
8.19
EV to EBITDA
7.78
EV to Capital Employed
1.01
EV to Sales
2.68
PEG Ratio
1.45
Dividend Yield
NA
ROCE (Latest)
12.38%
ROE (Latest)
13.42%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Bearish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend2What is working for the Company
GROSS NPA (%)
(Q
-17What is not working for the Company
OPERATING PROFIT(Q)
Lowest at SEK 316 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 24.86 %
PRE-TAX PROFIT(Q)
Lowest at SEK 329 MM
NET PROFIT(Q)
Lowest at SEK 220 MM
EPS(Q)
Lowest at SEK 1.19
Here's what is working for Norion Bank AB
Non Performing Loans (%)
Lowest at 16.42%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Depreciation
Highest at SEK 24 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (SEK MM)
Here's what is not working for Norion Bank AB
Operating Profit
Lowest at SEK 316 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite negative
Operating Profit (SEK MM)
Operating Profit Margin
Lowest at 24.86 % and Fallen
In each period in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at SEK 329 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (SEK MM)
Net Profit
Lowest at SEK 220 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very negative
Net Profit (SEK MM)
Net Profit
At SEK 220 MM has Fallen at -40.54%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very negative
Net Profit (SEK MM)
Pre-Tax Profit
Fallen at -30.3%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (SEK MM)
EPS
Lowest at SEK 1.19
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (SEK)
Capital Adequacy Ratio
Lowest at 14.5%
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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