Projected Income Statement: Íslandsbanki hf.

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
Consensus
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

  1. Stock Market
  2. Equities
  3. ISB Stock
  4. Financials Íslandsbanki hf.