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OMASP
Oma Säästöpankki Oyj – HEL
Weekly Share Price & Valuation Overview
Market Overview
Open
9.9300
Close
9.4300
High
10.0400
Low
9.3200
Trend
0.23421

Oma Säästöpankki Oyj

Finland • HEL - Nasdaq Helsinki • OMASP • Currency: EUR

Oma Säästöpankki Oyj provides banking products and services to private customers, small and medium-sized enterprises, and agriculture and forestry entrepreneurs in Finland. The company provides current, savings, rent security deposit, ASP, and corporate accounts; time deposits; credit and debit cards; cashier and payment services; invoice and payment transaction services; and money services, corporate netbank, and other digital trading services. It offers mortgage, student, renovation, business, and car loans; loans to consumer credits and payment cards with credit facilities; bank guarantees; commercial guarantee products; and financial services for financing business and investments. In addition, the company offers savings and investment products; insurance and asset management services; legal advisory services; and digital banking services. The company was incorporated in 2008 and is headquartered in Lappeenranta, Finland.

Key strengths
  • Growth + profitability: double-digit revenue and profit margins.
  • Healthy operating margin (≥15%) indicates efficient core operations.
  • Double-digit profit margin (≥10%) supports robust bottom-line economics.
  • Revenue growth ≥10% indicates solid top-line momentum.
Scale & Structure Core size and share structure. TTM values unless noted. “Estimated” where reconciled from per-share × shares.
Market Cap Total equity value of the company (share price × shares outstanding).
EUR 317.25M
Enterprise Value Operating value: market cap + total debt − cash.
EUR 2.26B
Total Revenue (TTM) Sales over the last twelve months. May be estimated from revenue per share when inconsistent.
EUR 189.05M
Revenue per Share (TTM) Total revenue divided by shares outstanding (may be estimated).
EUR 5.72
EPS (TTM) Earnings per share over the last twelve months (may be estimated from net income ÷ shares).
1.59
Dividend Yield Annual dividend ÷ share price. Reconciled using dividend per share when available.
3.75%
Shares Outstanding
33.18M
Float Shares
23.76M
Implied Shares Outstanding
33.18M
Profitability & Efficiency TTM basis. “Reconciled” = numerator ÷ TTM revenue. Financials: EBITDA/Gross Profit may be hidden where not meaningful.
Operating Margin (TTM) Strong Operating income ÷ revenue over the last twelve months (reconciled when possible).
39.25%
Profit Margin (TTM) Solid Net income ÷ revenue over the last twelve months (reconciled when possible).
28.22%
ROA Return on assets: net income ÷ total assets.
0.73%
ROE Return on equity: net income ÷ shareholder equity.
9.49%
Growth Growth rates are YoY unless labeled QoQ.
Revenue Growth Strong Year-over-year revenue growth.
79.00%
Earnings Growth (YoY) Year-over-year earnings growth.
3.40%
Earnings Growth (QoQ) Quarter-over-quarter earnings growth.
3.28%
Liquidity & Solvency Balance-sheet health. Debt metrics shown as latest ratios; D/E is a ratio (not %).
Total Cash Cash and equivalents.
EUR 837.31M
Total Debt Short + long-term interest-bearing debt.
EUR 2.78B
Net Debt Total debt − cash (negative = net cash).
EUR 1.94B
Sharemaestro House View
Confidence: 2 Sharemaestro internal conviction (0–3, higher is better). Risk: 3 Sharemaestro internal risk profile (0–3, higher is safer). Operational: 3 Operational quality/consistency (0–3, higher is better). Composite Score: 3 Overall internal composite (0–3, higher is better). Suggested Allocation: 5.00% Indicative portfolio weighting suggestion based on house view.
Structural Insights (experimental)
Ownership & Liquidity
Free Float Proportion of shares available for public trading. 71.6%
Insiders Shares held by company insiders (officers, directors). 80.2%
Institutions Shares held by institutions (funds, pensions). 6.3%
Capital Structure
Potential Dilution Increase in share count if options/convertibles exercise.
None detected
Net Debt Total debt − cash (negative = net cash).
EUR 1.94B
1026.0% of revenue Net debt relative to revenue — debt load vs business scale.
Resilience Score 0–100 composite of liquidity, leverage and cash conversion; higher is better. If inputs are unavailable, we estimate using proxies (Net debt vs revenue, Cash-to-Debt). It is a guide, not a rating. 15
Methodology Notes
  • Gross Profit hidden for financial institutions (often redundant with revenue).
As of: 2025-08-31 21:09

Disclaimer: Information is compiled from publicly available sources and is subject to errors and omissions. It is provided as a guide only and does not constitute investment advice. Please do your own research.