Alisa Pankki Oyj
ALISA.HE operates as a bank within the Financials sector, providing banking and investment services to its clients.
Business. ALISA.HE is a bank operating within the Banking & Investment Services industry, primarily generating revenue through interest income. The company is listed on the Nasdaq Helsinki exchange under the ticker ALISA.HE. Specific details regarding its operating segments, headquarters location, and geographic presence are not available in the provided data.
Analyst recommendations
1 analysts · consensus SellAt a glance
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- Peers
- DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
ALISA.HE is a bank operating within the Banking & Investment Services industry, primarily generating revenue through interest income. The company is listed on the Nasdaq Helsinki exchange under the ticker ALISA.HE. Specific details regarding its operating segments, headquarters location, and geographic presence are not available in the provided data.
ALISA.HE's capital structure is characterized by a debt-to-equity ratio of 0.19, indicating a relatively low level of leverage compared to the industry median. The company's liquidity position is assessed as medium, with a negative net cash position after subtracting total debt. The company's free cash flow is negative at -1.24 million EUR, and operating cash flow is also negative at -68.63 million EUR, suggesting cash flow challenges.
Profitability metrics for ALISA.HE are weak, with a return on equity of -6.07% and a return on assets of -0.69%. These figures are below the industry median for banks, indicating underperformance in generating returns from equity and total assets. The company reported a net loss of 2.11 million EUR, further highlighting its financial difficulties.
The company's revenue is concentrated in a single business segment, as disclosed in its financial statements, with no geographic diversification provided in the available data. This lack of segment and geographic diversification could pose a concentration risk, particularly if the bank's primary market experiences economic downturns.
Looking ahead, ALISA.HE's growth trajectory appears uncertain. The company's revenue for the latest period was 12.26 million EUR, but no specific growth rate or outlook is provided in the available data. Analysts have assigned a mean price target of 0.16 EUR, with all recommendations categorized as neutral, indicating a lack of strong buy or sell sentiment.
Risk factors for ALISA.HE include its negative net cash position and weak profitability. The company's dilution potential is assessed as low, with no significant dilution events reported in the available data. However, the negative operating and free cash flows suggest potential liquidity constraints that could impact the company's ability to service debt or fund operations.
Recent events related to ALISA.HE include the publication of its latest financial results, which show a net loss and negative cash flows. No recent filings or transcripts are available to provide additional context on the company's strategic direction or operational performance.
- ALISA.HE is a bank with a weak profitability profile, as evidenced by a negative return on equity and return on assets.
- The company's liquidity position is medium, with a negative net cash position after subtracting total debt.
- ALISA.HE's capital structure is relatively unleveraged, with a debt-to-equity ratio of 0.19.
- Analysts have assigned a neutral outlook, with a mean price target of 0.16 EUR and no strong buy or sell recommendations.
- The company's financial performance is underperforming relative to industry medians, with a net loss and negative cash flows.
- ALISA.HE's lack of geographic and segment diversification could pose a concentration risk.
Bull / Bear case
Generated · model-assistedIn focus — financials by report
Valuation
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Business relationships
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Peer comparison
Market position
Stress test
Predictor forecast
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | -0,01 |
| Revenue | —no estimate | —no estimate | 10,0M EUR |
| Operating income | —no estimate | —no estimate | -2,0M EUR |
Options
Short squeeze
Earnings-call key lines
Consensus distribution
sell-side coverageEstimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- Net cash is negative after subtracting total debt.
Benchmarks vs cohort
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- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Capex To Revenuecapital_expenditure / revenue
- Return On Equitynet_income / total_equity
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Cash Conversion Ratiooperating_cash_flow / net_income
- ALISA.HE Market data — financials · 2026-05-27
- Alisa Pankki Oyj Market data — analyst estimates · 2026-05-27