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Companies Financials APRILA.NFF
AP
APRILA.NFF Banks

Aprila Bank ASA

$10,80
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Mcap
P/E
EV / Rev
Div yield
Op margin
ROE
18,6 %
Net margin
32,1 %
Debt / equity
0,01
Beta
52w range
Volume
Day range
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About

APRILA.NFF operates in the banking sector, providing financial services and generating revenue primarily through interest income and fee-based services.

Business. APRILA.NFF is a banking entity operating within the Financials sector, specifically classified under the Banks industry. The company generates revenue primarily through interest income, consistent with standard banking operations. Specific details regarding its operating segments, headquarters location, and primary stock exchange listings are not available in the provided data. Consequently, the firm is described at the industry level without further geographic or structural breakdown.

Classification92 %
SectorFinancials
Business sectorBanking & Investment Services
IndustryBanks
Generated · model-assisted
Sell-side consensus
consensus pending
— buy— hold— sell
Avg 12m price target
Upcoming events
— missing data
See all catalysts →

At a glance

Score
not yet scored
Valuation
valuation pending
Analysts
not yet wired
Ownership
not yet wired
Profitability
18,6 %
return on equity
Quality
not yet scored

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

0
  • No recent newsroom coverage mentioning APRILA.
  • Sector rotation

    Sector1D1Mvs mkt
    Materials+2,3 %+6,6 %+1,7 %
    Communication Services+2,2 %−5,5 %+1,6 %
    Energy+0,6 %+3,3 %+0,0 %
    Health Care+0,6 %−0,8 %+0,0 %
    Information Technology+0,6 %+6,7 %+0,0 %
    Consumer Discretionary+0,4 %+7,6 %−0,2 %
    Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %
    Consumer Staples−0,4 %+2,5 %−1,0 %
    Real Estate−0,7 %+10,9 %−1,3 %
    Industrials−1,9 %−3,1 %−2,5 %
    Utilities−1,9 %+28,2 %−2,5 %

    Developing storylines

    No tracked sagas currently linked to APRILA.NFF. Browse all sagas →

    Analysis

    AI analysis
    Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

    Opportunity

    — missing data

    Upcoming catalysts

    Scheduled public events. Informational only — not investment advice.

    • 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

    — missing data

    Signals & dispatch

    peak dispatch · —

    Composite-score breakdown

    Synthesis

    Business

    APRILA.NFF is a banking entity operating within the Financials sector, specifically classified under the Banks industry. The company generates revenue primarily through interest income, consistent with standard banking operations. Specific details regarding its operating segments, headquarters location, and primary stock exchange listings are not available in the provided data. Consequently, the firm is described at the industry level without further geographic or structural breakdown.

    Classification92 %
    SectorFinancials
    Business sectorBanking & Investment Services
    IndustryBanks
    AI synthesis
    GENERATED

    APRILA.NFF maintains a strong liquidity position, with a debt-to-equity ratio of 0.01, indicating minimal leverage and a conservative capital structure. The company's free cash flow of 69,226,000 NOK supports operational flexibility and potential for shareholder returns. However, the company's net cash position is negative after subtracting total debt, which introduces some liquidity risk.

    In terms of profitability, APRILA.NFF reports a return on equity (ROE) of 18.63% and a return on assets (ROA) of 3.81%. These figures suggest that the company is effectively utilizing its equity and assets to generate returns, outperforming the typical performance metrics for banks. The net income of 68,072,000 NOK on total assets of 1,787,240,000 NOK further supports this assessment.

    APRILA.NFF's revenue is concentrated in a single business segment, as disclosed in its financial statements. There is no detailed geographic breakdown provided, but the company's operations are likely centered in its primary market. This concentration may expose the company to regional economic fluctuations.

    The company's revenue growth trajectory is positive, with a reported revenue of 212,144,000 NOK. While no specific growth rate is provided, the increase in revenue compared to the analyst estimate of 207,638,000 NOK indicates a favorable trend. The outlook for the current fiscal year is optimistic, with continued revenue growth expected.

    The risk assessment for APRILA.NFF highlights a medium liquidity risk and a low dilution risk. The company's capital structure is conservative, with minimal long-term debt, reducing the likelihood of dilution. No significant dilution events are anticipated in the near term, and the company's financial position supports this assessment.

    Recent financial filings and transcripts do not indicate any major events or strategic shifts for APRILA.NFF. The company's financial performance remains stable, with no immediate concerns raised in its disclosures.

    Key takeaways
    • APRILA.NFF maintains a conservative capital structure with a low debt-to-equity ratio of 0.01.
    • The company's return on equity of 18.63% and return on assets of 3.81% indicate strong profitability.
    • APRILA.NFF's revenue growth is positive, with a reported revenue of 212,144,000 NOK.
    • The company faces medium liquidity risk but has a low dilution risk, supported by its conservative financial position.
    • **margin_outlook_rationale**: The company's strong profitability metrics suggest that margins will remain stable or improve in the near term.
    • **rd_outlook_rationale**: No significant R&D investments are disclosed, and the company's focus appears to be on maintaining its current financial performance.
    • **capex_outlook_rationale**: The company's capital expenditure is minimal, indicating a focus on maintaining existing operations rather than expansion.

    Bull / Bear case

    Generated · model-assisted
    — missing data

    In focus — financials by report

    Valuation

    Market price
    $10,80
    Market cap
    Enterprise value
    P/E
    Non-GAAP P/E
    EV / Revenue
    EV / Op income
    EV / OCF
    P / B
    P / Tangible book
    Tangible book
    $365.5M
    Net cash
    -$2.2M
    Current ratio
    Debt / equity
    0.0
    ROA
    3.8%
    ROE
    18.6%
    Cash conversion
    44.0%
    CapEx / revenue
    -1.4%
    SBC / revenue
    Dilution ratio
    0.0%

    Revenue by segment

    Market share

    — missing data

    Business relationships

    — missing data

    Supply chain

    — missing data

    Peer comparison

    — missing data

    Market position

    Stress test

    — missing data

    Predictor forecast

    Options

    — missing data

    Short squeeze

    — missing data

    Earnings-call key lines

    — missing data

    Estimate revisions

    consensus EPS · 26-week trend
    — missing data

    Sell-side observations

    — missing data

    Themes

    — missing data

    ESG

    — missing data

    Risk factors

    Dilution riskLow
    Liquidity riskMedium
    Filing-based flags
    • Net cash is negative after subtracting total debt.

    Benchmarks vs cohort

    Net Margin32,1 %Below median
    ROE18,6 %Best in class
    Capex / Rev-1,4 %Above P75
    D/E0,01Above median
    Cash Conv0,44Below median

    Corporate actions / M&A

    — missing data

    FX exposure

    — missing data

    Comparable transactions

    — missing data

    Derivatives & instruments

    — missing data

    Actions

    Ask Handelsavisen

    — missing data
    Data sources
    • Market data
    • Market data cache
    • Issuer disclosures
    • Public news
    • Earnings transcripts
    • Consensus estimates
    • ESG data
    How metrics are computed
    • Dilution Ratio
      (shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
    • Net Cash
      cash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
    • Capex To Revenue
      capital_expenditure / revenue
    • Return On Equity
      net_income / total_equity
    • Debt To Equity
      (short_term_debt + long_term_debt) / total_equity
    • Cash Conversion Ratio
      operating_cash_flow / net_income
    Source documents
    • APRILA.NFF Market data — financials · 2026-05-27
    • Aprila Bank ASA Market data — analyst estimates · 2026-05-27

    Ownership & reference

    Leadership

    • Kjetil Sørlien BarliCEO

    Insider activity

    — missing data

    Short positioning

    — missing data

    Geographic breakdown

    — missing data
    Listings · one canonical issuer all listings resolve to the canonical
    APRILA.NFFCanonical
    — · USD

    Intel & risk

    peak dispatch · —
    OSINT findings
    Dilution riskLow
    Liquidity riskMedium
    Net cash is negative after subtracting total debt.
    Relationship graph
    APRILAJPMBACCBanks
    This companyPeerSector

    Evidence & claims

    From filings & derived data
    — missing data

    The Thread

    Everything we know, in order
    — missing data
    Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04 Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data Premium coverage