profit from every NOK 100 of sales.
NOK 0NOK 100
Pareto Bank
NOK 49.80-0.10% today
-44.0% in 1 year
1-year low NOK 46.901-year high NOK 91.10
Trading close to its lowest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay NOK 6.13 for every NOK 1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Pareto Bank sold, what it kept, and what it did with the cash.
Sales went from NOK 964 million in 2022 to NOK 1.30 billion in 2025, with NOK 624 million of profit last year.
SalesProfit
Pareto Bank handed back 79% of the cash it generated last year.
NOK 319M
Free cash flow 2025NOK 406M
Bought back its own shares–
Paid as dividendsNOK 319M
Cash vs. debtNOK 78M vs. NOK 7.5B
Pareto Bank vs. similar companies
Pareto Bank grows in the middle of these 5 and is the cheapest for its profits.
| Company | Profit from NOK 100 of sales | Sales growth a year | Price per NOK 1 of profit |
|---|---|---|---|
| Pareto Bank | 6.1× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Pareto Bank's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of NOK | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 964 | 1,120 | 1,253 | 1,295 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 555 | 567 | 637 | 624 | |
| 7.71 | 7.38 | 8.29 | 8.13 | |
| – | – | – | – | |
| – | – | – | – | |
| 57.6% | 50.6% | 50.8% | 48.2% |
Balance sheet
| In millions of NOK | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 22,296 | 25,847 | 27,237 | 25,337 |
| Cash | 73 | 436 | 75 | 78 |
| Total debt | 7,652 | 8,504 | 8,093 | 7,481 |
| Total liabilities | 18,075 | 20,842 | 21,801 | 19,596 |
| 4,220 | 5,005 | 5,437 | 5,741 | |
| 72 | 77 | 77 | 77 | |
| – | – | – | – | |
| 13.2% | 11.3% | 11.7% | 10.9% |
Cash flow
| In millions of NOK | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| -1,089 | 332 | 2,167 | 415 | |
| 9 | 19 | 11 | 9 | |
| -1,097 | 313 | 2,155 | 406 | |
| Dividends paid | 244 | 270 | 299 | 319 |
| – | – | – | – | |
| – | – | – | – |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 6.1×
- –
- 3.44
- 0.9×
- 3.0×
- 16.3%
- 8.3%
Profitability
- 48.2%
- –
- –
- –
- –
Growth
- +10.4%
- +1.8%
- –
- +2.1%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 11%of 883
Top 47%of 880
Top 21%of 929
8.3%of the share price, paid each year
On $1,000 invested$83a year at today's yield, before tax
–per share
Raised–not every year
How safe it looks
51.1% of its profit
Room to growStretchedMore than it earns: 78.5%
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
Not enough data
Questions about Pareto Bank
Is Pareto Bank a good stock to buy?
A strong, very profitable business, and the price looks low. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Pareto Bank AI analysis
What does Pareto Bank do?
Pareto Bank ASA provides various banking products and services in Norway. The company accepts corporate and private deposits. It is in Banks - Regional, based in Oslo, Norway, with 69 employees.
Does Pareto Bank pay a dividend?
Yes. At today's price the dividend is 8.3% a year, about 51% of its yearly profit. In 2025 it paid out NOK 319 million in dividends.
Is Pareto Bank stock halal?
No. Pareto Bank does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Pareto Bank stock done over the past year?
Down 44.0% over the past twelve months, to NOK 49.80. It traded between NOK 46.90 and NOK 91.10 and is 45.3% below its high.
Who are Pareto Bank's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Pareto Bank's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.