What is Instabank ASA's (INSTA.OL) StockRank?

MoatMap's StockRank for Instabank ASA (INSTA.OL) is 49/100, with a Hold signal. This is a composite score combining Quality (40), Value (35), and Momentum (64) factor ranks across MoatMap's 20,000+ stock universe.

Does Instabank ASA have an economic moat?

Instabank ASA (INSTA.OL) has a Quality factor score of 40/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Instabank ASA a buy, hold, or sell?

MoatMap's current signal for Instabank ASA (INSTA.OL) is Hold, based on a StockRank of 49/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.

What sector is Instabank ASA in?

Instabank ASA (INSTA.OL) operates in the Financial Services sector, specifically the Banks - Regional industry (Norway).

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INSTA.OL

HOLDREMOVE

Instabank ASA · Financial Services · Norway · $210M · Avg Vol: $233K/d

StockRank

P/E (TTM)

12.9x

ROE

10.7%

D/E

—

Dividend %

2.3%

Director Trades · 180d

None in 180d →

Buybacks · 180d

None in 180d →

AI CONVICTION THESIS

Instabank is a small Norwegian digital bank with no competitive moat, low quality metrics, and no exposure to our core macro themes.

COMPANY DESCRIPTION

Instabank ASA is a digital challenger bank operating in Norway, Sweden, and Finland, offering unsecured consumer loans, savings accounts, and insurance products. The bank leverages a highly automated, cloud-based technology platform to deliver rapid credit decisions and low operational overheads. Its competitive moat is built on its agile digital infrastructure, data-driven credit underwriting, and efficient customer acquisition channels.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR
Revenue	39M	48M	53M	66M	19.5%
EPS	0.03	0.03	0.03	0.03	6.3%
Shares	333M	379M	379M	453M	+35.9%
Debt	10M	10M	10M	21M	25.6%
Equity	85M	103M	113M	150M	20.8%
Op CF	-17M	4M	21M	-42M	482.2%
Inv CF	-747,180	-2M	-2M	-1M	—
Fin CF	8M	6M	-1M	34M	—

PRICE (1M)-8.9%

SMA 50SMA 200

$0.43

RSI (14)

29.1

52W High

$0.48

From 52W High

0.9%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.4%*50.5

ROE

10.7%53.2

GP/Assets

4.4%52.7

Op. Margin

37.0%55.2

FCF/Assets

—N/A

Piotroski

—20.6

Int. Cover

—N/A

D/E Ratio

—N/A

Current Ratio

—N/A

Value

P/E (TTM)

12.9x49.7

EV/EBITDA

—N/A

P/FCF

—N/A

P/B

1.4x35.1

P/S

4.1x38.8

Div Yield

2.3%38.6

Momentum

52W High %

89%44.3

RS 6M

-3%59.0

SMA 50/200

1.14x86.8

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

—77.3

Q Growth

42%71.7

FUNDAMENTALS

Market Cap

$210M

P/E (Forward)

7.9x

Gross Margin

0.0%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of INSTA.OL are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
INSTA.OL	Instabank ASA(you)	$210M	49	HOLD
SKUE.OL	Skue Sparebank	$209M	43	HOLD
SPOG.OL	Sparebanken Øst	$167M	40	HOLD
JAREN.OL	Jæren Sparebank	$184M	31	SELL
ROGS.OL	Rogaland Sparebank	$372M	39	HOLD
MORG.OL	Sparebanken Møre	$605M	41	HOLD
SOAG.OL	SpareBank 1 Østfold Akershus	$597M	39	HOLD
RING.OL	SpareBank 1 Ringerike Hadeland	$740M	62	HOLD
NONG.OL	SpareBank 1 Nord-Norge	$1.6B	50	HOLD
PARB.OL	Pareto Bank ASA	$581M	25	SELL

Peer medians: ROE 13.1% · P/E 10.8x · Gross margin 0.0%

Instabank ASA (INSTA.OL) — Stock Score Summary

Instabank ASA (INSTA.OL) has a MoatMap StockRank of 49/100 based on Quality (40/100), Value (35/100), and Momentum (64/100) factor scores. The current signal is HOLD. Instabank is a small Norwegian digital bank with no competitive moat, low quality metrics, and no exposure to our core macro themes.

Key Financial Metrics

Price	$0.43
Market Cap	$210M
P/E (TTM)	12.93
P/E (Forward)	7.89
Price/Book	1.38
Return on Equity	10.7%
Gross Margin	0.0%
Operating Margin	37.0%
Revenue Growth	27.0%
Dividend Yield	2.3%

Instabank ASA operates in the Banks - Regional industry, part of the Financial Services sector (Norway).

Frequently Asked Questions

What is Instabank ASA’s (INSTA.OL) StockRank?: MoatMap’s StockRank for Instabank ASA (INSTA.OL) is 49/100, with a Hold signal. It is a composite of Quality (40), Value (35), and Momentum (64) factor ranks across MoatMap’s 20,000+ stock universe.
Does Instabank ASA have an economic moat?: Instabank ASA (INSTA.OL) has a Quality factor score of 40/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Instabank ASA a buy, hold, or sell?: MoatMap’s current signal for Instabank ASA (INSTA.OL) is Hold, based on a StockRank of 49/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Instabank ASA in?: Instabank ASA (INSTA.OL) operates in the Financial Services sector, specifically the Banks - Regional industry (Norway).