|
Market Closed -
Other stock markets
|
5-day change | 1st Jan Change | ||
| 140.00 ISK | +1.08% |
|
-1.41% | -5.08% |
| 02-13 | Íslandsbanki hf., Q4 2025 Earnings Call, Feb 13, 2026 | |
| 02-12 | Íslandsbanki hf. Reports Earnings Results for the Fourth Quarter and Full Year Ended December 31, 2025 | CI |
Projected Income Statement: Íslandsbanki hf.
Annual
Quarterly
Annual
Quarterly
| Fiscal Period: December | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 |
|---|---|---|---|---|---|---|---|---|
| Net sales 1 | - | 50,172 | 57,236 | 64,237 | 62,938 | 67,240 | 68,671 | 70,163 |
| Change | - | - | 14.08% | 12.23% | -2.02% | 6.84% | 2.13% | 2.17% |
| EBITDA | - | - | - | - | - | - | - | - |
| Change | - | - | - | - | - | - | - | - |
| EBIT 1 | - | 24,605 | 31,295 | 34,763 | 32,940 | 35,676 | 35,561 | 35,686 |
| Change | - | - | 27.19% | 11.08% | -5.24% | 8.31% | -0.32% | 0.35% |
| Interest Paid | - | - | - | - | - | - | - | - |
| Earnings before Tax (EBT) | - | 27,623 | 32,871 | - | - | - | - | - |
| Change | - | - | 19% | - | - | - | - | - |
| Net income 1 | 7,061 | 23,725 | 24,535 | 24,585 | 24,246 | 25,249 | 24,296 | 24,073 |
| Change | - | 236% | 3.41% | 0.2% | -1.38% | 4.14% | -3.77% | -0.92% |
| Announcement Date | 10/02/21 | 10/02/22 | 09/02/23 | 08/02/24 | 13/02/25 | 12/02/26 | - | - |
1ISK in Million
Estimates
Forecast Balance Sheet: Íslandsbanki hf.
| Fiscal Period: December | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 |
|---|---|---|---|---|---|---|---|---|
| Net Debt | - | - | - | - | - | - | - | - |
| Change | - | - | - | - | - | - | - | - |
| Announcement Date | 10/02/21 | 10/02/22 | 09/02/23 | 08/02/24 | 13/02/25 | 12/02/26 | - | - |
Estimates
Cash Flow Forecast: Íslandsbanki hf.
| Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|
| CAPEX 1 | 327 | 552 | 206 | 273 | 311 | 426 |
| Change | - | 68.81% | -62.68% | 32.52% | 13.92% | 36.98% |
| Free Cash Flow (FCF) 1 | - | - | - | - | - | - |
| Change | - | - | - | - | - | - |
| Announcement Date | 12/02/20 | 10/02/21 | 10/02/22 | 13/02/23 | 08/02/24 | 13/02/25 |
1ISK in Million
Estimates
Forecast Financial Ratios: Íslandsbanki hf.
| Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 |
|---|---|---|---|---|---|---|---|---|---|
Profitability | |||||||||
| EBITDA Margin (%) | - | - | - | - | - | - | - | - | - |
| EBIT Margin (%) | - | - | 49.04% | 54.68% | 54.12% | 52.34% | 53.06% | 51.78% | 50.86% |
| EBT Margin (%) | - | - | 55.06% | 57.43% | - | - | - | - | - |
| Net margin (%) | - | - | 47.29% | 42.87% | 38.27% | 38.52% | 37.55% | 35.38% | 34.31% |
| FCF margin (%) | - | - | - | - | - | - | - | - | - |
| FCF / Net Income (%) | - | - | - | - | - | - | - | - | - |
Profitability | |||||||||
| ROA | - | - | 1.71% | 1.7% | 1.56% | 1.5% | 1.4% | 1.37% | 1.28% |
| ROE | - | - | 12.3% | 11.8% | 11.3% | 10.9% | 10.57% | 11.46% | 11.57% |
Financial Health | |||||||||
| Leverage (Debt/EBITDA) | - | - | - | - | - | - | - | - | - |
| Debt / Free cash flow | - | - | - | - | - | - | - | - | - |
Capital Intensity | |||||||||
| CAPEX / Current Assets (%) | - | - | - | - | - | - | - | - | - |
| CAPEX / EBITDA (%) | - | - | - | - | - | - | - | - | - |
| CAPEX / FCF (%) | - | - | - | - | - | - | - | - | - |
Items per share | |||||||||
| Cash flow per share 1 | - | - | - | - | - | - | - | - | - |
| Change | - | - | - | - | - | - | - | - | - |
| Dividend per Share 1 | - | - | 5.95 | - | 6.15 | 6.26 | 6.225 | 6.959 | 7.433 |
| Change | - | - | - | - | - | 1.79% | -0.55% | 11.78% | 6.82% |
| Book Value Per Share 1 | - | - | 101.9 | 109.4 | 112.8 | 117.6 | 117.9 | 121.6 | 128.7 |
| Change | - | - | - | 7.44% | 3.07% | 4.22% | 0.3% | 3.11% | 5.83% |
| EPS 1 | - | 0.71 | 11.26 | 12.19 | 12.32 | 12.53 | 13.62 | 12.15 | 12.04 |
| Change | - | - | 1,485.92% | 8.26% | 1.07% | 1.7% | 8.7% | 4.23% | -0.92% |
| Nbr of stocks (in thousands) | - | - | 2,000,000 | 2,000,000 | 1,980,539 | 1,894,624 | 1,753,175 | 1,753,175 | 1,753,175 |
| Announcement Date | - | 10/02/21 | 10/02/22 | 09/02/23 | 08/02/24 | 13/02/25 | 12/02/26 | - | - |
1ISK
Estimates
| 2025 | 2026 * | |
|---|---|---|
| P/E ratio | 10.8x | 11.4x |
| PBR | 1.17x | 1.14x |
| EV / Sales | 3.9x | 3.54x |
| Yield | 4.49% | 5.02% |
EPS & Dividend
Y-o-Y evolution of P/E
Year-on-year evolution of the Yield
Sell
Buy

Mean consensus
HOLD
Number of Analysts
2
Last Close Price
138.50ISK
Average target price
124.00ISK
Spread / Average Target
-10.47%
Annual profits - Rate of surprise
- Stock Market
- Equities
- ISB Stock
- Financials Íslandsbanki hf.
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