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KRAB.OL

STRONG BUYFLAG

Kraft Bank ASA · Financial Services · Norway · $64M · Avg Vol: $6K/d

92
StockRank
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Q
64
V
67
M
61
P/E (TTM)
8.6x
ROE
14.3%
D/E
0.1x
Dividend %
5.5%
Dir. Trades · 180d
None →
Buybacks · 180d
None →
AI CONVICTION THESIS

Kraft Bank carries the largest negative revision in this batch, a 7.0% cut to forward EPS over four weeks. That is a substantive nameable negative, not noise. The Q64 V68 M61 profile is otherwise unremarkable and offers nothing strong enough to look through a cut of that size.

COMPANY DESCRIPTION

Kraft Bank ASA is a specialized Norwegian niche bank focusing on refinancing solutions for individuals with complex personal finances and debt issues. The bank provides customized loans secured by real estate to help customers restructure their debt and regain financial control. Its competitive moat is built on highly specialized credit assessment processes and a lack of direct competition from traditional retail banks.

FINANCIAL SUMMARY (USD)

Year2022202320242025CAGRTTM
Revenue14.8M14.0M15.1M21.6M13.4%20.4M
EPS0.110.100.070.1611.8%0.16
Shares42.0M42.0M42.0M41.6M-0.8%40.9M
Debt4.4M4.4M4.5M4.8M3.0%4.8M
Equity40.3M44.6M46.1M51.1M8.2%—
Op CF7.3M11.8M15.1M23.5M47.7%23.2M
Inv CF6.3M-5.7M-13.5M0.2M——
Fin CF-16.1M-0.2M1.6M-23.9M——
Loading 1Y...
PRICE (1Y)+1.8%
1.351.361.371.381.39Jun 9Jun 30Jul 20
SMA 50SMA 200
Close
$1.39
RSI (14)
52.3
52W High
$1.50
From 52W High
0.9%

SCORE BREAKDOWN

Quality
64
ROIC (ROA)
1.5%*49.7
ROE
14.3%71.4
GP/Assets
4.6%N/A
Op. Margin
44.9%65.9
FCF/Assets
5.1%N/A
Piotroski
684.5
Int. Cover
—50.0
D/E Ratio
0.09xN/A
Current Ratio
bankN/A
Value
67
P/E (TTM)
8.6x76.7
EV/EBITDA
bankN/A
P/FCF
2.8xN/A
P/B
1.1x54.1
P/S
2.8x64.7
Div Yield
5.5%71.0
Momentum
61
52W High %
93%50.8
RS 6M
8%71.4
SMA 50/200
1.09x71.3
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
+12%36.9
Q Growth
47%74.5

FUNDAMENTALS

Market Cap
$64M
P/E (Forward)
7.7x
Gross Margin
—

SECTOR PEERS

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

TickerCompanyMkt CapStockRankSignal
KRAB.OLKraft Bank ASA(you)$64M92STRONG BUY
SNOR.OLSpareBank 1 Nordmøre$167M72BUY
SKUE.OLSkue Sparebank$192M72BUY
SPOG.OLSparebanken Øst$151M62HOLD
JAREN.OLJæren Sparebank$167M54HOLD
INSTA.OLInstabank ASA$187M55HOLD
RING.OLSpareBank 1 Ringerike Hadeland$692M78BUY
SOAG.OLSpareBank 1 Østfold Akershus$551M65HOLD
MORG.OLSparebanken Møre$547M62HOLD
ROGS.OLRogaland Sparebank$344M52HOLD

Peer medians: ROE 11.8% · P/E 10.7x · Gross margin 95.0%

Kraft Bank ASA (KRAB.OL) — Stock Score Summary

Kraft Bank ASA (KRAB.OL) has a MoatMap StockRank of 92/100 based on Quality (64/100), Value (67/100), and Momentum (61/100) factor scores. The current signal is STRONG BUY. Kraft Bank carries the largest negative revision in this batch, a 7.0% cut to forward EPS over four weeks. That is a substantive nameable negative, not noise. The Q64 V68 M61 profile is otherwise unremarkable and offers nothing strong enough to look through a cut of that size.

Kraft Bank ASA is a specialized Norwegian niche bank focusing on refinancing solutions for individuals with complex personal finances and debt issues. The bank provides customized loans secured by real estate to help customers restructure their debt and regain financial control. Its competitive moat is built on highly specialized credit assessment processes and a lack of direct competition from traditional retail banks.

Key Financial Metrics

Price$1.39
Market Cap$64M
P/E (TTM)8.63
P/E (Forward)7.67
Price/Book1.10
Return on Equity14.3%
Debt/Equity0.09x
Operating Margin44.9%
Revenue Growth31.6%
Dividend Yield5.5%
Free Cash Flow$23M

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

Frequently Asked Questions

What is Kraft Bank ASA’s (KRAB.OL) StockRank?
MoatMap’s StockRank for Kraft Bank ASA (KRAB.OL) is 92/100, with a Strong Buy signal. It is a composite of Quality (64), Value (67), and Momentum (61) factor ranks across MoatMap’s 20,000+ stock universe.
Does Kraft Bank ASA have an economic moat?
Kraft Bank ASA (KRAB.OL) has a Quality factor score of 64/100. 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 Kraft Bank ASA a buy, hold, or sell?
MoatMap’s current signal for Kraft Bank ASA (KRAB.OL) is Strong Buy, based on a StockRank of 92/100. 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 Kraft Bank ASA in?
Kraft Bank ASA (KRAB.OL) operates in the Financial Services sector, specifically the Banks - Regional industry (Norway).
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