Instabank ASA (OSL:INSTA) FCF Margin %: 0.00% (As of Mar. 2026)


OSL:INSTA Instabank ASA OSL:INSTA
57 GF Score
Price kr4.03
GF Value kr2.54
Valuation Significantly Overvalued
! 2 Warning Signs
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What is Instabank ASA FCF Margin %?

Instabank ASA OSL:INSTA +0.50% 57 FCF Margin % is 0.00% as of Mar. 2026. GuruFocus rates OSL:INSTA with a GF Score™ of 57/100 and a GF Value™ of kr2.54 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,505 Banks companies, Instabank ASA ranks worse than 87.24% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Instabank ASA's Free Cash Flow for the three months ended in Mar. 2026 was kr0.0 Mil. Instabank ASA's Revenue for the three months ended in Mar. 2026 was kr179.5 Mil. Therefore, Instabank ASA's FCF Margin % for the quarter that ended in Mar. 2026 was 0.00%.

As of today, Instabank ASA's current FCF Yield % is -21.73%.

The historical rank and industry rank for Instabank ASA's FCF Margin % or its related term are showing as below:

OSL:INSTA' s FCF Margin % Range Over the Past 10 Years
Min: -107.1   Med: -7.17   Max: 37.11
Current: -61.67

During the past 9 years, the highest FCF Margin % of Instabank ASA was 37.11%. The lowest was -107.10%. And the median was -7.17%.

OSL:INSTA's FCF Margin % is ranked worse than
87.24% of 1505 companies
in the Banks industry
Industry Median: 26.55 vs OSL:INSTA: -61.67

Instabank ASA FCF Margin % Related Terms

Instabank ASA FCF Margin % Historical Data

* Premium members only.

The historical data trend for Instabank ASA's FCF Margin % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Instabank ASA FCF Margin % Chart

Instabank ASA Annual Data
Trend Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Margin %
Get a 7-Day Free Trial Premium Member Only 26.73 -45.01 3.94 37.11 -66.21

Instabank ASA Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
FCF Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

Instabank ASA FCF Margin % Competitor Comparison

For the Banks - Regional subindustry, Instabank ASA's FCF Margin %, along with its competitors' market caps and FCF Margin % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Instabank ASA FCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, Instabank ASA's FCF Margin % distribution charts can be found below:

* The bar in red indicates where Instabank ASA's FCF Margin % falls into.


OSL:INSTA
57GF Score
Instabank ASA OSL:INSTA
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Instabank ASA FCF Margin % Calculation

FCF margin is the ratio of Free Cash Flow divided by net sales or Revenue, usually presented in percent.

Instabank ASA's FCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=-404.156/610.43
=-66.21 %

Instabank ASA's FCF Margin for the quarter that ended in Mar. 2026 is calculated as

FCF Margin=Free Cash Flow (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=0/179.476
=0.00 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about FCF Margin % →
What does a FCF Margin % of 0.00% mean?
Instabank ASA (OSL:INSTA) has a FCF Margin % of 0.00% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Instabank ASA and its competitors. According to the industry distribution chart, Instabank ASA ranks #1313 out of 1505 companies in the Banks industry, placing it in the top 87.2%.
Is Instabank ASA's FCF Margin % too high?
Instabank ASA's current FCF Margin % is 0.00%. Based on the distribution chart, Instabank ASA ranks #1313 out of 1505 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Instabank ASA has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Instabank ASA's FCF Margin % compare to competitors?
According to the Banks industry distribution chart, Instabank ASA ranks #1313 out of 1505 companies for FCF Margin %. This places Instabank ASA in the lower half of its industry. The industry median FCF Margin % is 26.55. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Instabank ASA and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Instabank ASA's current FCF Margin % is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Instabank ASA stock overvalued right now?
Based on GuruFocus' analysis, Instabank ASA (OSL:INSTA) is currently considered Significantly Overvalued. The stock's GF Value™ is kr2.54, compared to a current price of kr4.03 — trading 58.7% above its estimated fair value. The current FCF Margin % is 0.00%. Instabank ASA's overall GF Score™ is 57/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Instabank ASA (OSL:INSTA), the current FCF Margin % is 0.00% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Instabank ASA (OSL:INSTA) Overvalued in 2026?

Based on GuruFocus' analysis, Instabank ASA stock appears to be overvalued. The current stock price of kr4.03 is trading 58.7% above its estimated GF Value™ of kr2.54. GuruFocus considers Instabank ASA to be Significantly Overvalued.

Key valuation signals for OSL:INSTA:

  • FCF Margin %: 0.00%
  • GF Value™: kr2.54 vs. price of kr4.03 (58.7% above fair value)
  • GF Score™: 57/100 with 2 warning signs

No single metric tells the full story. See the OSL:INSTA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Instabank ASA Business Description

Other Exchanges 93V:Germany
Address Drammensveien 175, Oslo, NOR, 0277
Instabank ASA offers banking services. The company operates as a digital bank offering loans, savings and insurance.
57GF Score

Get the complete analysis for OSL:INSTA

FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

kr4.03
Price
kr2.54
GF Value