Instabank A

Instabank A ROA

The Return on Assets (ROA) of Instabank A (INSTA.OL) as of Nov 2, 2026 is 1.24 %. In the previous year, Return on Assets (ROA) was 1.23 % — a change of 1.31% (higher).

ROA

1.24 %

YoY

1.31%

Last updated:

In 2025, Instabank A's return on assets (ROA) was 1.24 %, a 1.31% increase from the 1.23 % ROA in the previous year.

The Instabank A ROA history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

ROA
Date
ROA
Jan 1, 2018
0.76 NOK
Jan 1, 2019
1.16 NOK
Jan 1, 2020
1.07 NOK
Jan 1, 2021
1.73 NOK
Jan 1, 2022
1.42 NOK
Jan 1, 2023
1.39 NOK
Jan 1, 2024
1.23 NOK
Jan 1, 2025
1.24 NOK
The Instabank A ROA history
YEARROAYoY
1.24 %+1.31%
1.23 %-11.61%
1.39 %-2.26%
1.42 %-17.89%
1.73 %+61.08%
1.07 %-7.94%
1.16 %+52.70%
0.76 %+599.76%
0.11 %-103.30%
-3.30 %—

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Instabank A Stock analysis

What does Instabank A do? Instabank ASA operates as a fully digital bank offering loan products, savings, and insurance to consumers in Norway, Sweden, Finland, and Germany. The company generates revenue through its digital banking solutions, targeting individual customers in these four Nordic and German markets. Instabank's technology and paytech expertise enable it to assist companies seeking digital transformation, providing additional services to business clients. The firm distributes its products primarily via its website and agents, serving a small but dynamic customer base across multiple countries. Instabank ASA is owned by Norwegian investors, reflecting its strong local ownership structure. The company focuses on delivering straightforward, digital, and flexible bank solutions to consumers, emphasizing simplicity and innovation in its service model. Its digital-first approach allows it to operate efficiently with a lean team of 44 full-time employees, supporting both retail banking and business transformation services. The firm's business model combines consumer banking services with B2B technology solutions, creating a dual revenue stream. By leveraging its paytech expertise, Instabank helps companies innovate their business models, expanding its reach beyond traditional banking. This approach aligns with its mission to provide digital financial solutions that are accessible and adaptable to evolving market needs. Instabank A is one of the most popular companies on Eulerpool.

ROA Details

Understanding Instabank A's Return on Assets (ROA)

Instabank A's Return on Assets (ROA) is a key performance indicator that measures the company's profitability in relation to its total assets. It is calculated by dividing the net income by the total assets. A higher ROA indicates efficient asset utilization to generate profits, reflecting managerial effectiveness and financial health.

Year-to-Year Comparison

Comparing Instabank A's ROA year-over-year provides insights into the company’s operational efficiency and asset utilization trends. An increasing ROA demonstrates enhanced asset efficiency and profitability, while a declining ROA can indicate operational or financial challenges.

Impact on Investments

Investors consider Instabank A's ROA as a crucial metric to evaluate the company’s profitability and efficiency. A higher ROA signifies that the company is effectively utilizing its assets to generate profits, making it a potentially attractive investment.

Interpreting ROA Fluctuations

Variations in Instabank A’s ROA can be attributed to changes in net income, asset purchases, or operational efficiencies. Analyzing these fluctuations assists in assessing the company's financial performance, management efficiency, and strategic financial positioning.

Frequently Asked Questions about Instabank A stock

Return on Assets (ROA) of Instabank A is 1.24 % in 2025.

Return on Assets (ROA) of Instabank A changed from 1.23 % to 1.24 %, representing a 1.31% change. The value is higher than the previous year.

On Eulerpool you can find the complete historical development of Return on Assets (ROA) Instabank A since 2006 – with annual values, charts, and detailed analysis.

Return on Assets, also known as ROA, is a financial metric used to measure a company's profitability. It is used to determine how effectively a company uses its assets to generate profits. It is also referred to as the ratio of net income to total assets. ROA is an important indicator of a company's overall financial performance as it measures the company's ability to generate more profit from the assets it employs.

A 'good' varies by industry and company stage. On Eulerpool, you can compare Return on Assets (ROA)'s Instabank A with sector peers and the industry average to assess whether it is attractive.

To evaluate Return on Assets (ROA)'s, it is essential to compare it with peers in the same industry and sector. On Eulerpool, you can find direct industry comparisons for Return on Assets (ROA).

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Profitability — Instabank A

ROEROAROCEROICAsset TurnoverInventory TurnoverReceivables TurnoverDays Sales OutstandingDays Inventory OutstandingDays Payable OutstandingCash Conversion CycleCROICGross Profit/AssetsFixed Asset TurnoverEquity TurnoverWorking Capital TurnoverPayables TurnoverCapital IntensityReceivables/RevenueInventory/RevenueEBIT/Assets

All Key Metrics — Instabank A