Aprila Bank ASA
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.
At 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
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.
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.
- 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-assistedIn focus — financials by report
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Estimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- Net cash is negative after subtracting total debt.
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- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- 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
- APRILA.NFF Market data — financials · 2026-05-27
- Aprila Bank ASA Market data — analyst estimates · 2026-05-27
Ownership & reference
Leadership
- Kjetil Sørlien BarliCEO