Norion Bank AB, formerly Collector Bank AB specializes in financing solutions for corporate and private individuals, with particular focus on small and medium-sized companies. The main business is conducted through four segments namely Corporate, Real estate, Consumer and Payments. The Corporate segment includes corporate loans and factoring directed mainly at small and medium-sized companies in a wide range of industries in Sweden, Norway and Finland. The Real estate segment comprises real estate loans focusing on metropolitan areas and university cities in the Nordic region and the Consumer segment offers unsecured loans to private individuals The Payments segment offers payment and checkout solutions for e-commerce and retail chains.

Financial Strength

2/10

Name	Current	Vs Industry	Vs History
Equity-to-Asset	0.14
Debt-to-Equity	0.15
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	7/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.37	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

2/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	-44.3
	3-Year EPS without NRI Growth Rate	58.3
	3-Year FCF Growth Rate	206.4
	3-Year Book Growth Rate	20.8

Momentum Rank

	Name	Current	Vs Industry		Vs History
	5-Day RSI	65.48
	9-Day RSI	61.26
	14-Day RSI	58.62
	6-1 Month Momentum %	-7.65
	12-1 Month Momentum %	35.03

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Shareholder Yield %	18.31

Profitability Rank

4/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	35.63
	FCF Margin %	100.76
	ROE %	16.7
	ROA %	2.52
	Years of Profitability over Past 10-Year	7

GF Value Rank

	Name	Current	Vs Industry		Vs History
	PE Ratio	7.28
	PE Ratio without NRI	7.28
	Price-to-Owner-Earnings	3.72
	PEG Ratio	0.32
	PS Ratio	2.48
	PB Ratio	1.13
	Price-to-Tangible-Book	1.14
	Price-to-Free-Cash-Flow	2.46
	Price-to-Operating-Cash-Flow	2.41
	EV-to-Revenue	2.81
	EV-to-FCF	2.79
	Price-to-Peter-Lynch-Fair-Value	0.33
	Price-to-Graham-Number	0.61
	FCF Yield %	40.69

GF Value

OSTO:NORION

Warning Signs

Warning! GuruFocus detected 2 Severe warning signs with NORION. Try a 7-Day Free Trial to check it out.

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