Pareto Bank ASA operates as a commercial bank in Norway. It offers diversified financial services including accepting deposits, financing of construction and rehabilitation of housing, financing solutions for companies, owners and investors, financing of shipping and offshore projects, banking. The bank also offers credit cards and online banking.

Financial Strength

3/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	0.05
Equity-to-Asset	0.19
Debt-to-Equity	1.7
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	5/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.29	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

8/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	9.2
	3-Year EPS without NRI Growth Rate	7.2
	3-Year FCF Growth Rate	-35
	3-Year Book Growth Rate	8.8
	Future 3-5Y Total Revenue Growth Rate	4

Momentum Rank

4/10

	Name	Current	Vs Industry		Vs History

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Dividend Growth Rate	24.5
	3-Year Average Share Buyback Ratio	-3.2
	Shareholder Yield %	-23.4

Profitability Rank

6/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	54.05
	FCF Margin %	27.98
	ROE %	13.29
	ROA %	2.48
	Years of Profitability over Past 10-Year	10

GF Value Rank

6/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	7.23
	Forward PE Ratio	6.67
	PE Ratio without NRI	7.23
	Shiller PE Ratio	8.64
	Price-to-Owner-Earnings	7.47
	PEG Ratio	0.81
	PS Ratio	3.9
	PB Ratio	0.86
	Price-to-Tangible-Book	0.86
	Price-to-Free-Cash-Flow	11.84
	Price-to-Operating-Cash-Flow	11.25
	EV-to-Revenue	11.1
	EV-to-FCF	39.41
	Price-to-DCF (Earnings Based)	0.35
	Price-to-DCF (FCF Based)	0.92
	Price-to-Peter-Lynch-Fair-Value	0.84
	Price-to-Graham-Number	0.53
	FCF Yield %	7.19
	Forward Rate of Return (Yacktman) %	-0.83

GF Value: kr59.51

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