Pareto Bank ASA (8PB) Ratios
Pareto Bank ASA Ratios
DE:8PB's free cash flow for Q3 2026 was $240.46M. For the 2026 fiscal year, DE:8PB's free cash flow was decreased by $-281.00K and operating cash flow was $240.74M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.02 | 0.02 | 0.05 | 0.01 | 0.01 |
| Quick Ratio | 0.02 | 0.02 | 0.05 | 0.01 | 0.01 |
| Cash Ratio | 0.01 | 0.01 | 0.04 | 0.01 | 0.01 |
| Solvency Ratio | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 |
| Operating Cash Flow Ratio | 0.04 | 0.16 | 0.03 | -0.11 | -0.10 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | $ -19.36B | $ -21.57B | $ -20.25B | $ -17.97B | $ -16.08B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.29 | 0.30 | 0.33 | 0.34 | 0.32 |
| Debt-to-Equity Ratio | 1.30 | 1.49 | 1.70 | 1.81 | 1.66 |
| Debt-to-Capital Ratio | 0.56 | 0.60 | 0.63 | 0.64 | 0.62 |
| Long-Term Debt-to-Capital Ratio | 0.56 | 0.60 | 0.63 | 0.64 | 0.62 |
| Financial Leverage Ratio | 4.41 | 5.01 | 5.16 | 5.28 | 5.23 |
| Debt Service Coverage Ratio | 0.66 | 0.70 | 0.77 | 1.86 | 3.57 |
| Interest Coverage Ratio | 0.84 | 0.89 | 0.99 | 2.39 | 4.60 |
| Debt to Market Cap | 1.06 | 1.56 | 2.05 | 2.29 | 1.53 |
| Interest Debt Per Share | 110.55 | 118.57 | 121.22 | 113.95 | 93.12 |
| Net Debt to EBITDA | 8.16 | 8.73 | 9.95 | 10.11 | 9.21 |
| Profitability Margins | |||||
| Gross Profit Margin | 55.09% | 55.35% | 58.22% | 75.80% | 85.38% |
| EBIT Margin | 37.56% | 39.78% | 41.27% | 57.72% | 67.20% |
| EBITDA Margin | 38.42% | 40.60% | 42.15% | 58.97% | 68.64% |
| Operating Profit Margin | 37.56% | 39.78% | 41.27% | 57.72% | 67.20% |
| Pretax Profit Margin | 37.56% | 39.78% | 41.27% | 57.72% | 67.20% |
| Net Profit Margin | 26.54% | 28.13% | 29.44% | 43.70% | 50.74% |
| Continuous Operations Profit Margin | 28.74% | 30.36% | 31.47% | 43.70% | 50.74% |
| Net Income Per EBT | 70.66% | 70.73% | 71.33% | 75.70% | 75.51% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 2.46% | 2.34% | 2.19% | 2.49% | 2.52% |
| Return on Equity (ROE) | 10.87% | 11.71% | 11.32% | 13.16% | 13.20% |
| Return on Capital Employed (ROCE) | 6.50% | 6.47% | 5.75% | 6.03% | 6.39% |
| Return on Invested Capital (ROIC) | 4.98% | 4.94% | 4.38% | 4.57% | 4.82% |
| Return on Tangible Assets | 2.47% | 2.34% | 2.20% | 2.50% | 2.53% |
| Earnings Yield | 8.91% | 12.27% | 13.69% | 16.62% | 12.14% |
| Efficiency Ratios | |||||
| Receivables Turnover | 15.72 | 14.18 | 12.98 | 37.57 | 73.80 |
| Payables Turnover | 0.00 | 6.95 | 8.98 | 10.81 | 6.74 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 57.19 | 43.68 | 36.28 | 22.71 | 17.13 |
| Asset Turnover | 0.09 | 0.08 | 0.07 | 0.06 | 0.05 |
| Working Capital Turnover Ratio | -0.19 | -0.18 | -0.18 | -0.13 | -0.10 |
| Cash Conversion Cycle | 23.22 | -26.79 | -12.55 | -24.06 | -49.21 |
| Days of Sales Outstanding | 23.22 | 25.75 | 28.11 | 9.71 | 4.95 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 52.54 | 40.66 | 33.77 | 54.16 |
| Operating Cycle | 23.22 | 25.75 | 28.11 | 9.71 | 4.95 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 5.40 | 28.22 | 4.33 | -15.58 | -13.87 |
| Free Cash Flow Per Share | 5.28 | 28.07 | 4.08 | -15.71 | -14.06 |
| Dividend Paid and CapEx Coverage Ratio | 1.27 | 7.14 | 1.15 | -4.30 | -4.35 |
| Capital Expenditure Coverage Ratio | 45.63 | 560.13 | 17.67 | -123.56 | -73.82 |
| Operating Cash Flow Coverage Ratio | 0.06 | 0.27 | 0.04 | -0.14 | -0.15 |
| Operating Cash Flow to Sales Ratio | 0.18 | 0.96 | 0.17 | -0.86 | -0.97 |
| Free Cash Flow Yield | 5.79% | 41.53% | 7.57% | -32.83% | -23.63% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 11.22 | 8.15 | 7.31 | 6.02 | 8.24 |
| Price-to-Sales (P/S) Ratio | 2.98 | 2.29 | 2.15 | 2.63 | 4.18 |
| Price-to-Book (P/B) Ratio | 1.22 | 0.95 | 0.83 | 0.79 | 1.09 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 17.26 | 2.41 | 13.20 | -3.05 | -4.23 |
| Price-to-Operating Cash Flow Ratio | 16.88 | 2.40 | 12.46 | -3.07 | -4.29 |
| Price-to-Earnings Growth (PEG) Ratio | -5.47 | 1.61 | -9.68 | 0.60 | 0.46 |
| Enterprise Value Multiple | 15.91 | 14.37 | 15.05 | 14.57 | 15.30 |
| Enterprise Value | 14.37B | 13.21B | 12.21B | 10.92B | 10.44B |
| EV to EBITDA | 15.91 | 14.37 | 15.05 | 14.57 | 15.30 |
| EV to Sales | 6.11 | 5.84 | 6.34 | 8.59 | 10.50 |
| EV to Free Cash Flow | 35.41 | 6.13 | 38.94 | -9.95 | -10.63 |
| EV to Operating Cash Flow | 34.64 | 6.10 | 36.74 | -10.03 | -10.78 |
| Tangible Book Value Per Share | 74.16 | 70.30 | 64.63 | 59.95 | 54.24 |
| Shareholders’ Equity Per Share | 74.67 | 70.81 | 65.18 | 60.42 | 54.71 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.23 | 0.24 | 0.24 | 0.24 | 0.24 |
| Revenue Per Share | 30.58 | 29.48 | 25.06 | 18.20 | 14.23 |
| Net Income Per Share | 8.12 | 8.29 | 7.38 | 7.95 | 7.22 |
| Tax Burden | 0.71 | 0.71 | 0.71 | 0.76 | 0.76 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.02 | 0.03 | 0.02 | 0.03 | 0.03 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | 0.00 | 0.00 | 0.00 | -1.96 | 0.00 |
Currency in NOK
