Alisa Pankki Oyj

Alisa Pankki Oyj has a liquidity risk profile of medium severity, with a debt-to-equity ratio of 0.19 and negative net cash after subtracting total debt. The company’s liquidity position is further challenged by a free cash flow of -1.24 million EUR and an operating cash flow of -68.63 million EUR, indicating significant cash outflows. Profitability metrics are negative, with a return on equity of -6.07% and a return on assets of -0.69%, both well below the typical performance of banks in the industry. These figures suggest the company is not generating returns that meet the cost of capital or asset utilization expectations. The company’s revenue is concentrated in Finland, as disclosed in its business description, with no material geographic diversification. It serves personal and business customers, particularly small and medium-sized companies, but does not disclose segment-specific revenue contributions. This lack of segment detail limits visibility into the drivers of performance. Growth trajectory is uncertain, with no forward-looking revenue guidance provided in the input data. The company reported revenue of 12.26 million EUR in the latest period, but net income was negative at -2.11 million EUR. Analysts have assigned a mean price target of 0.16 EUR, with no strong buy or buy recommendations, indicating limited near-term upside. Risk factors include liquidity constraints and negative cash flows, with a key flag noting that net cash is negative after subtracting total debt. The company has a low dilution risk, with no near-term pressure for share issuance, and no adjustments to valuation metrics have been applied. Recent events include the rebranding from Fellow Pankki Oyj to Alisa Pankki Oyj, as disclosed in the company description. No recent filings or transcripts are included in the input data, limiting visibility into management commentary or strategic updates.