Pareto Bank ASA/Nkr PARB
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Capital at risk
About Pareto Bank ASA
- Ticker
- Nkr PARB
- Sector
- Finance
- Primary listing
- XOSL
- Employees
- 69
- Headquarters
- Oslo, Norway
- Website
- www.paretobank.no
Pareto Bank ASA Metrics
BasicAdvanced
kr 4.2B
11.71
kr 4.67
0.42
kr 8.00
14.63%
Price and volume
Market cap
kr 4.2B
Beta
0.42
52-week high
kr 94.00
52-week low
kr 54.30
Average daily volume
93K
Dividend rate
kr 8.00
Financial strength
Dividend payout ratio (TTM)
162.21%
Profitability
Net profit margin (TTM)
54.55%
Operating margin (TTM)
70.41%
Effective tax rate (TTM)
22.53%
Revenue per employee (TTM)
kr 10,890,000
Management effectiveness
Return on assets (TTM)
1.58%
Return on equity (TTM)
7.67%
Valuation
Price to earnings (TTM)
11.709
Price to revenue (TTM)
5.598
Price to book
0.91
Price to tangible book (TTM)
0.91
Price to free cash flow (TTM)
-13.686
Free cash flow yield (TTM)
-7.31%
Free cash flow per share (TTM)
-3.997
Dividend yield (TTM)
14.63%
Forward dividend yield
14.63%
Growth
Revenue change (TTM)
-35.79%
Earnings per share change (TTM)
-45.58%
3-year revenue growth (CAGR)
-8.30%
3-year earnings per share growth (CAGR)
-16.63%
10-year earnings per share growth (CAGR)
1.96%
3-year dividend per share growth (CAGR)
27.50%
Bulls say / Bears say
The bank has a sizeable capital cushion: its CET1 ratio was 19.7% against a long-term target of at least 15.8%. That gives it meaningful capacity to absorb further credit losses without immediately needing new equity. (Pareto Bank, TradingView)
Growth is shifting towards less property-dependent areas, with lending increasing in Sweden, corporate finance and shipping. Management expects flat to slightly higher exposure in the third quarter, driven by corporate and ship financing activity. (Pareto Bank, TradeWinds)
The underlying cost base remains lean: second-quarter operating expenses fell 15.9% and the cost-to-income ratio was 17.7%. If property-related losses normalise, this efficiency and the bank’s unchanged 15% long-term ROE ambition could support a strong earnings recovery. (TradingView, Pareto Bank)
Second-quarter profit after tax fell to NOK36.9m from NOK200.7m a year earlier, while return on equity dropped to 2.0% from 15.1%. Loan losses and impairments surged to NOK201m from NOK17.1m. (Pareto Bank, TradingView)
Credit risk remains concentrated in property: real-estate financing represented 69% of loans and residential development 32% of lending limits at June. The bank warns that weak new-home demand could keep losses elevated, while resolving troubled exposures may take time. (Estate Nyheter, Pareto Bank)
Net interest income fell to NOK288m from NOK335.5m as lending volumes, margins and activity-based fees weakened. Customer deposits were NOK10.9bn, well below NOK13.7bn a year earlier, limiting balance-sheet growth. (Pareto Bank)
Data summarised monthly by Lightyear AI. Last updated on 27 Sept 2026.
Upcoming events
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Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Market data provided by CBOE Europe and Deutsche Börse.