Bien Sparebank - Public Comps and Valuation Multiples

Bien Sparebank Overview

About Bien Sparebank

Bien Sparebank ASA is a independent savings bank. It is a close and accessible bank for individuals and businesses in the Oslo area. The company offers various services namely daily banking, saving, pension, insurance and others.

Founded

1885

HQ

Employees

n/a

Website

bien.no

Sectors

Commercial Banking

Financials

LTM Revenue $15.6M

Last FY EBITDA n/a

EV

$207M

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Bien Sparebank Financials

As of September 2025, Bien Sparebank reported last 12-month revenue of $15.6M.

In the same period, Bien Sparebank achieved $5.8M in LTM net income.

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Bien Sparebank P&L

In the most recent fiscal year, Bien Sparebank reported revenue of $15.3M.

Bien Sparebank expects next 12-month revenue of XXX and NTM EBITDA of XXX

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	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue	$15.6M	XXX	$15.3M	XXX	XXX	XXX
Gross Profit	n/a	XXX	n/a	XXX	XXX	XXX
Gross Margin	n/a	XXX	n/a	XXX	XXX	XXX
EBITDA	n/a	XXX	n/a	XXX	XXX	XXX
EBITDA Margin	n/a	XXX	n/a	XXX	XXX	XXX
EBIT	$7.8M	XXX	n/a	XXX	XXX	XXX
EBIT Margin	50%	XXX	n/a	XXX	XXX	XXX
Net Profit	$5.8M	XXX	$6.1M	XXX	XXX	XXX
Net Margin	37%	XXX	40%	XXX	XXX	XXX
Net Debt	XXX	XXX	$103M	XXX	XXX	XXX

Financial data powered by Morningstar, Inc.

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Financial performance metrics for Bien Sparebank including revenue, profitability, and margin analysis across different time periods. The company reported last twelve months revenue of $15.6M.
Financial Metric	Last Twelve Months (LTM)	Next Twelve Months (NTM)	Most Recent Fiscal Year	Current Fiscal Year (2025)	Next Fiscal Year (2026)	Two Years Forward (2027)
Total Revenue	$15.6M	Analyst estimates available to subscribers	$15.3M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit	n/a	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit Margin	n/a	Analyst estimates available to subscribers	NaN% gross profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA (Earnings Before Interest, Taxes, Depreciation, Amortization)	n/a	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA Margin	n/a	Analyst estimates available to subscribers	NaN% EBITDA margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT (Earnings Before Interest and Taxes)	$7.8M	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT Margin	49.7% EBIT margin	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Income (Net Profit)	$5.8M	Analyst estimates available to subscribers	$6.1M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Profit Margin	37.3% net profit margin	Analyst estimates available to subscribers	39.7% net profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Debt Position	Detailed debt information available to subscribers	Detailed debt information available to subscribers	$103M	Detailed debt information available to subscribers	Detailed debt information available to subscribers	Detailed debt information available to subscribers

Financial Performance Summary for Bien Sparebank

This financial data table provides comprehensive performance metrics for Bien Sparebank, a company based in Norway. The metrics include revenue, profitability measures, and operational efficiency indicators across multiple time periods.

Recent Performance Highlights

Bien Sparebank generated $15.6M in revenue over the last twelve months.
Net income over the last twelve months reached $5.8M.

Fiscal Year Performance

In the most recent fiscal year, Bien Sparebank reported $15.3M in total revenue.
The company maintained a gross profit margin of NaN% in the most recent fiscal year.
EBITDA margin for the fiscal year was NaN%.
Net profit margin reached 39.7% in the most recent fiscal year.

This financial data is sourced from Morningstar, Inc. and represents the most recent available information for Bien Sparebank. Forward-looking estimates and detailed financial projections are available through our premium subscription service.

Bien Sparebank Stock Performance

Bien Sparebank has current market cap of NOK 790M (or $78.6M), and EV of NOK 2.1B (or $207M).

Market Cap Evolution

Bien Sparebank Stock Data

As of October 2, 2025, Bien Sparebank's stock price is NOK 139 (or $14).

See Bien Sparebank trading valuation data

EV	Market Cap	Price 1D	Price 1M	Price 3M	Price 12M	EPS
$207M	$78.6M	XXX	XXX	XXX	XXX	$1.05

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Bien Sparebank Valuation Multiples

Bien Sparebank's trades at 13.6x EV/Revenue multiple, and n/a EV/EBITDA.

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Bien Sparebank Financial Valuation Multiples

As of October 2, 2025, Bien Sparebank has market cap of $78.6M and EV of $207M.

Equity research analysts estimate Bien Sparebank's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX

Bien Sparebank has a P/E ratio of 13.5x.

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Market cap (current)	$78.6M	XXX	$78.6M	XXX	XXX	XXX
EV (current)	$207M	XXX	$207M	XXX	XXX	XXX
EV/Revenue	13.2x	XXX	13.6x	XXX	XXX	XXX
EV/EBITDA	n/a	XXX	n/a	XXX	XXX	XXX
EV/EBIT	26.7x	XXX	n/a	XXX	XXX	XXX
EV/Gross Profit	n/a	XXX	n/a	XXX	XXX	XXX
P/E	13.5x	XXX	13.0x	XXX	XXX	XXX
EV/FCF	n/a	XXX	79.6x	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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Bien Sparebank Margins & Growth Rates

Bien Sparebank's last 12 month revenue growth is 5%

Bien Sparebank's revenue per employee in the last FY averaged n/a, while opex per employee averaged n/a for the same period.

Bien Sparebank's rule of 40 is unknown (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).

Bien Sparebank's rule of X is unknown (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).

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Bien Sparebank Operational Valuation Multiples

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue Growth	5%	XXX	4%	XXX	XXX	XXX
EBITDA Margin	n/a	XXX	n/a	XXX	XXX	XXX
EBITDA Growth	n/a	XXX	n/a	XXX	XXX	XXX
Rule of 40	n/a	XXX	n/a	XXX	XXX	XXX
Bessemer Rule of X	XXX	XXX	n/a	XXX	XXX	XXX
Revenue per Employee	XXX	XXX	n/a	XXX	XXX	XXX
Opex per Employee	XXX	XXX	n/a	XXX	XXX	XXX
S&M Expenses to Revenue	XXX	XXX	1%	XXX	XXX	XXX
G&A Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
R&D Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
Opex to Revenue	XXX	XXX	49%	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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