Íslandsbanki hf. - ISB.IC - Fundamentals

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Breakdown	2015 12/31	2016 12/31	2017 12/31	2018 12/31	2019 12/31	2020 12/31	2021 12/31	2022 12/31	2023 12/31	2024 12/31	2025 12/31	TTM
REVENUE	77,387	89,179	46,010	43,349	43,925	43,019	49,952	57,068	63,811	62,226	153,388	163,576	📊
Revenue Growth (1Y)	--	+15.24%	-48.41%	-5.78%	+1.33%	-2.06%	+16.12%	+14.25%	+11.82%	-2.48%	+146.50%	+6.64%	📊
Revenue Growth (5Y)	--	--	--	--	-43.24%	-51.76%	+8.57%	+31.65%	+45.27%	+44.65%	+207.07%	+227.47%	📊
Revenue Growth (10Y)	--	--	--	--	--	--	--	--	--	-19.59%	+72.00%	+83.42%	📊
Cost of Revenue	0	0	0	0	0	0	0	0	0	0	81,126	67,373	📊
Cost of Revenue Growth (1Y)	--	--	--	--	--	--	--	--	--	--	--	-16.95%	📊
Cost of Revenue Growth (5Y)	--	--	--	--	--	--	--	--	--	--	--	--	📊
Cost of Revenue Growth (10Y)	--	--	--	--	--	--	--	--	--	--	--	--	📊
Gross Profit	77,387	89,179	46,010	43,349	43,925	43,019	49,952	57,068	63,811	62,226	72,262	58,125	📊
Gross Profit Growth (1Y)	--	+15.24%	-48.41%	-5.78%	+1.33%	-2.06%	+16.12%	+14.25%	+11.82%	-2.48%	+16.13%	-19.56%	📊
Gross Profit Growth (5Y)	--	--	--	--	-43.24%	-51.76%	+8.57%	+31.65%	+45.27%	+44.65%	+44.66%	+16.36%	📊
Gross Profit Growth (10Y)	--	--	--	--	--	--	--	--	--	-19.59%	-18.97%	-34.82%	📊
Operating Expenses	14,900	15,863	30,843	32,021	28,878	24,923	25,498	25,896	63,811	28,641	37,950	30,662	📊
Operating Expenses Growth (1Y)	--	+6.46%	+94.43%	+3.82%	-9.82%	-13.70%	+2.31%	+1.56%	+146.41%	-55.12%	+32.50%	-19.20%	📊
Operating Expenses Growth (5Y)	--	--	--	--	+93.81%	+57.11%	-17.33%	-19.13%	+120.97%	+14.92%	+48.84%	+20.25%	📊
Operating Expenses Growth (10Y)	--	--	--	--	--	--	--	--	--	+92.22%	+139.24%	+93.29%	📊
Sell General Administrative	0	0	7,465	4,391	3,442	2,865	3,565	4,067	5,593	4,590	18,484	15,367	📊
Research and Development	0	0	0	0	0	0	0	0	0	0	0	--	📊
Other Income Expenses	-14,900	-15,863	23,378	-240	25,436	22,058	21,933	21,829	58,218	24,051	19,466	15,295	📊
EBITDA	25,848	24,448	0	0	14,395	10,946	28,945	34,231	0	31,965	35,335	37,323	📊
EBITDA Growth (1Y)	--	-5.42%	-100.00%	--	--	-23.96%	+164.43%	+18.26%	-100.00%	--	+10.54%	+5.63%	📊
EBITDA Growth (5Y)	--	--	--	--	-44.31%	-55.23%	--	--	-100.00%	+192.02%	+22.08%	+28.94%	📊
EBITDA Growth (10Y)	--	--	--	--	--	--	--	--	--	+23.67%	+44.53%	+52.66%	📊
Depreciation and Amortization	808	2,072	1,022	1,312	1,725	1,666	1,395	1,400	1,620	1,662	1,023	572	📊
Operating Income	30,773	-3,163	44,496	45,508	12,718	9,533	28,851	83,907	34,128	32,228	34,995	37,299	📊
Operating Income Growth (1Y)	--	-110.28%	+1506.77%	+2.27%	-72.05%	-25.04%	+202.64%	+190.83%	-59.33%	-5.57%	+8.59%	+6.58%	📊
Operating Income Growth (5Y)	--	--	--	--	-58.67%	+401.39%	-35.16%	+84.38%	+168.34%	+238.07%	+21.30%	+29.28%	📊
Operating Income Growth (10Y)	--	--	--	--	--	--	--	--	--	+4.73%	+1206.39%	+1279.23%	📊
Interest Expense	6,442	8,011	26,768	29,738	29,143	22,324	24,582	50,887	88,531	94,077	80,501	64,598	📊
Pre Tax Income	25,040	22,376	14,802	14,467	12,733	9,324	27,623	32,871	33,748	32,935	34,312	36,845	📊
Tax Provision	5,851	5,205	4,151	4,734	3,909	2,472	5,119	8,485	9,198	9,426	9,746	10,027	📊
NET INCOME	18,674	14,008	13,577	11,036	8,809	7,061	23,732	24,535	24,585	24,246	25,249	27,366	📊
Net Income Growth (1Y)	--	-24.99%	-3.08%	-18.72%	-20.18%	-19.84%	+236.10%	+3.38%	+0.20%	-1.38%	+4.14%	+8.38%	📊
Net Income Growth (5Y)	--	--	--	--	-52.83%	-49.59%	+74.80%	+122.32%	+179.09%	+243.38%	+6.39%	+15.31%	📊
Net Income Growth (10Y)	--	--	--	--	--	--	--	--	--	+29.84%	+80.25%	+95.36%	📊
Basic EPS	1.87	1.4	6.79	5.52	0.92	0.72	11.26	12.27	12.34	12.53	13.62	15.43	📊
Diluted EPS	1.87	1.4	6.79	5.52	0.92	0.72	11.26	12.27	12.34	12.53	13.62	15.42	📊
Basic Average Shares	10,000	10,000	2,000	2,000	10,000	10,000	2,000	2,000	1,992	1,934	1,854	1,778	📊
Diluted Average Shares	10,000	10,000	2,000	2,000	10,000	10,000	2,000	2,000	1,992	1,934	1,854	1,778	📊

Breakdown

2015

12/31

2016

12/31

2017

12/31

2018

12/31

2019

12/31

2020

12/31

2021

12/31

2022

12/31

2023

12/31

2024

12/31

2025

12/31

TTM

REVENUE

77,387

89,179

46,010

43,349

43,925

43,019

49,952

57,068

63,811

62,226

153,388

163,576

📊

Revenue Growth (1Y)

+15.24%

-48.41%

-5.78%

+1.33%

-2.06%

+16.12%

+14.25%

+11.82%

-2.48%

+146.50%

+6.64%

📊

Revenue Growth (5Y)

-43.24%

-51.76%

+8.57%

+31.65%

+45.27%

+44.65%

+207.07%

+227.47%

📊

Revenue Growth (10Y)

-19.59%

+72.00%

+83.42%

📊

Cost of Revenue

81,126

67,373

📊

Cost of Revenue Growth (1Y)

-16.95%

📊

Cost of Revenue Growth (5Y)

📊

Cost of Revenue Growth (10Y)

📊

Gross Profit

77,387

89,179

46,010

43,349

43,925

43,019

49,952

57,068

63,811

62,226

72,262

58,125

📊

Gross Profit Growth (1Y)

+15.24%

-48.41%

-5.78%

+1.33%

-2.06%

+16.12%

+14.25%

+11.82%

-2.48%

+16.13%

-19.56%

📊

Gross Profit Growth (5Y)

-43.24%

-51.76%

+8.57%

+31.65%

+45.27%

+44.65%

+44.66%

+16.36%

📊

Gross Profit Growth (10Y)

-19.59%

-18.97%

-34.82%

📊

Operating Expenses

14,900

15,863

30,843

32,021

28,878

24,923

25,498

25,896

63,811

28,641

37,950

30,662

📊

Operating Expenses Growth (1Y)

+6.46%

+94.43%

+3.82%

-9.82%

-13.70%

+2.31%

+1.56%

+146.41%

-55.12%

+32.50%

-19.20%

📊

Operating Expenses Growth (5Y)

+93.81%

+57.11%

-17.33%

-19.13%

+120.97%

+14.92%

+48.84%

+20.25%

📊

Operating Expenses Growth (10Y)

+92.22%

+139.24%

+93.29%

📊

Sell General Administrative

7,465

4,391

3,442

2,865

3,565

4,067

5,593

4,590

18,484

15,367

📊

Research and Development

📊

Other Income Expenses

-14,900

-15,863

23,378

-240

25,436

22,058

21,933

21,829

58,218

24,051

19,466

15,295

📊

EBITDA

25,848

24,448

14,395

10,946

28,945

34,231

31,965

35,335

37,323

📊

EBITDA Growth (1Y)

-5.42%

-100.00%

-23.96%

+164.43%

+18.26%

-100.00%

+10.54%

+5.63%

📊

EBITDA Growth (5Y)

-44.31%

-55.23%

-100.00%

+192.02%

+22.08%

+28.94%

📊

EBITDA Growth (10Y)

+23.67%

+44.53%

+52.66%

📊

Depreciation and Amortization

808

2,072

1,022

1,312

1,725

1,666

1,395

1,400

1,620

1,662

1,023

572

📊

Operating Income

30,773

-3,163

44,496

45,508

12,718

9,533

28,851

83,907

34,128

32,228

34,995

37,299

📊

Operating Income Growth (1Y)

-110.28%

+1506.77%

+2.27%

-72.05%

-25.04%

+202.64%

+190.83%

-59.33%

-5.57%

+8.59%

+6.58%

📊

Operating Income Growth (5Y)

-58.67%

+401.39%

-35.16%

+84.38%

+168.34%

+238.07%

+21.30%

+29.28%

📊

Operating Income Growth (10Y)

+4.73%

+1206.39%

+1279.23%

📊

Interest Expense

6,442

8,011

26,768

29,738

29,143

22,324

24,582

50,887

88,531

94,077

80,501

64,598

📊

Pre Tax Income

25,040

22,376

14,802

14,467

12,733

9,324

27,623

32,871

33,748

32,935

34,312

36,845

📊

Tax Provision

5,851

5,205

4,151

4,734

3,909

2,472

5,119

8,485

9,198

9,426

9,746

10,027

📊

NET INCOME

18,674

14,008

13,577

11,036

8,809

7,061

23,732

24,535

24,585

24,246

25,249

27,366

📊

Net Income Growth (1Y)

-24.99%

-3.08%

-18.72%

-20.18%

-19.84%

+236.10%

+3.38%

+0.20%

-1.38%

+4.14%

+8.38%

📊

Net Income Growth (5Y)

-52.83%

-49.59%

+74.80%

+122.32%

+179.09%

+243.38%

+6.39%

+15.31%

📊

Net Income Growth (10Y)

+29.84%

+80.25%

+95.36%

📊

Basic EPS

1.87

1.4

6.79

5.52

0.92

0.72

11.26

12.27

12.34

12.53

13.62

15.43

📊

Diluted EPS

1.87

1.4

6.79

5.52

0.92

0.72

11.26

12.27

12.34

12.53

13.62

15.42

📊

Basic Average Shares

10,000

2,000

10,000

2,000

1,992

1,934

1,854

1,778

📊

Diluted Average Shares

10,000

2,000

10,000

2,000

1,992

1,934

1,854

1,778

📊

Breakdown	2015 12/31	2016 12/31	2017 12/31	2018 12/31	2019 12/31	2020 12/31	2021 12/31	2022 12/31	2023 12/31	2024 12/31	2025 12/31	TTM
REVENUE	77,387	89,179	46,010	43,349	43,925	43,019	49,952	57,068	63,811	62,226	153,388	163,576	📊
Revenue Growth (1Y)	--	+15.24%	-48.41%	-5.78%	+1.33%	-2.06%	+16.12%	+14.25%	+11.82%	-2.48%	+146.50%	+6.64%	📊
Revenue Growth (5Y)	--	--	--	--	-43.24%	-51.76%	+8.57%	+31.65%	+45.27%	+44.65%	+207.07%	+227.47%	📊
Revenue Growth (10Y)	--	--	--	--	--	--	--	--	--	-19.59%	+72.00%	+83.42%	📊
Cost of Revenue	0	0	0	0	0	0	0	0	0	0	81,126	67,373	📊
Cost of Revenue Growth (1Y)	--	--	--	--	--	--	--	--	--	--	--	-16.95%	📊
Cost of Revenue Growth (5Y)	--	--	--	--	--	--	--	--	--	--	--	--	📊
Cost of Revenue Growth (10Y)	--	--	--	--	--	--	--	--	--	--	--	--	📊
Gross Profit	77,387	89,179	46,010	43,349	43,925	43,019	49,952	57,068	63,811	62,226	72,262	58,125	📊
Gross Profit Growth (1Y)	--	+15.24%	-48.41%	-5.78%	+1.33%	-2.06%	+16.12%	+14.25%	+11.82%	-2.48%	+16.13%	-19.56%	📊
Gross Profit Growth (5Y)	--	--	--	--	-43.24%	-51.76%	+8.57%	+31.65%	+45.27%	+44.65%	+44.66%	+16.36%	📊
Gross Profit Growth (10Y)	--	--	--	--	--	--	--	--	--	-19.59%	-18.97%	-34.82%	📊
Operating Expenses	14,900	15,863	30,843	32,021	28,878	24,923	25,498	25,896	63,811	28,641	37,950	30,662	📊
Operating Expenses Growth (1Y)	--	+6.46%	+94.43%	+3.82%	-9.82%	-13.70%	+2.31%	+1.56%	+146.41%	-55.12%	+32.50%	-19.20%	📊
Operating Expenses Growth (5Y)	--	--	--	--	+93.81%	+57.11%	-17.33%	-19.13%	+120.97%	+14.92%	+48.84%	+20.25%	📊
Operating Expenses Growth (10Y)	--	--	--	--	--	--	--	--	--	+92.22%	+139.24%	+93.29%	📊
Sell General Administrative	0	0	7,465	4,391	3,442	2,865	3,565	4,067	5,593	4,590	18,484	15,367	📊
Research and Development	0	0	0	0	0	0	0	0	0	0	0	--	📊
Other Income Expenses	-14,900	-15,863	23,378	-240	25,436	22,058	21,933	21,829	58,218	24,051	19,466	15,295	📊
EBITDA	25,848	24,448	0	0	14,395	10,946	28,945	34,231	0	31,965	35,335	37,323	📊
EBITDA Growth (1Y)	--	-5.42%	-100.00%	--	--	-23.96%	+164.43%	+18.26%	-100.00%	--	+10.54%	+5.63%	📊
EBITDA Growth (5Y)	--	--	--	--	-44.31%	-55.23%	--	--	-100.00%	+192.02%	+22.08%	+28.94%	📊
EBITDA Growth (10Y)	--	--	--	--	--	--	--	--	--	+23.67%	+44.53%	+52.66%	📊
Depreciation and Amortization	808	2,072	1,022	1,312	1,725	1,666	1,395	1,400	1,620	1,662	1,023	572	📊
Operating Income	30,773	-3,163	44,496	45,508	12,718	9,533	28,851	83,907	34,128	32,228	34,995	37,299	📊
Operating Income Growth (1Y)	--	-110.28%	+1506.77%	+2.27%	-72.05%	-25.04%	+202.64%	+190.83%	-59.33%	-5.57%	+8.59%	+6.58%	📊
Operating Income Growth (5Y)	--	--	--	--	-58.67%	+401.39%	-35.16%	+84.38%	+168.34%	+238.07%	+21.30%	+29.28%	📊
Operating Income Growth (10Y)	--	--	--	--	--	--	--	--	--	+4.73%	+1206.39%	+1279.23%	📊
Interest Expense	6,442	8,011	26,768	29,738	29,143	22,324	24,582	50,887	88,531	94,077	80,501	64,598	📊
Pre Tax Income	25,040	22,376	14,802	14,467	12,733	9,324	27,623	32,871	33,748	32,935	34,312	36,845	📊
Tax Provision	5,851	5,205	4,151	4,734	3,909	2,472	5,119	8,485	9,198	9,426	9,746	10,027	📊
NET INCOME	18,674	14,008	13,577	11,036	8,809	7,061	23,732	24,535	24,585	24,246	25,249	27,366	📊
Net Income Growth (1Y)	--	-24.99%	-3.08%	-18.72%	-20.18%	-19.84%	+236.10%	+3.38%	+0.20%	-1.38%	+4.14%	+8.38%	📊
Net Income Growth (5Y)	--	--	--	--	-52.83%	-49.59%	+74.80%	+122.32%	+179.09%	+243.38%	+6.39%	+15.31%	📊
Net Income Growth (10Y)	--	--	--	--	--	--	--	--	--	+29.84%	+80.25%	+95.36%	📊
Basic EPS	1.87	1.4	6.79	5.52	0.92	0.72	11.26	12.27	12.34	12.53	13.62	15.43	📊
Diluted EPS	1.87	1.4	6.79	5.52	0.92	0.72	11.26	12.27	12.34	12.53	13.62	15.42	📊
Basic Average Shares	10,000	10,000	2,000	2,000	10,000	10,000	2,000	2,000	1,992	1,934	1,854	1,778	📊
Diluted Average Shares	10,000	10,000	2,000	2,000	10,000	10,000	2,000	2,000	1,992	1,934	1,854	1,778	📊

Breakdown

2015

12/31

2016

12/31

2017

12/31

2018

12/31

2019

12/31

2020

12/31

2021

12/31

2022

12/31

2023

12/31

2024

12/31

2025

12/31

TTM

REVENUE

77,387

89,179

46,010

43,349

43,925

43,019

49,952

57,068

63,811

62,226

153,388

163,576

📊

Revenue Growth (1Y)

+15.24%

-48.41%

-5.78%

+1.33%

-2.06%

+16.12%

+14.25%

+11.82%

-2.48%

+146.50%

+6.64%

📊

Revenue Growth (5Y)

-43.24%

-51.76%

+8.57%

+31.65%

+45.27%

+44.65%

+207.07%

+227.47%

📊

Revenue Growth (10Y)

-19.59%

+72.00%

+83.42%

📊

Cost of Revenue

81,126

67,373

📊

Cost of Revenue Growth (1Y)

-16.95%

📊

Cost of Revenue Growth (5Y)

📊

Cost of Revenue Growth (10Y)

📊

Gross Profit

77,387

89,179

46,010

43,349

43,925

43,019

49,952

57,068

63,811

62,226

72,262

58,125

📊

Gross Profit Growth (1Y)

+15.24%

-48.41%

-5.78%

+1.33%

-2.06%

+16.12%

+14.25%

+11.82%

-2.48%

+16.13%

-19.56%

📊

Gross Profit Growth (5Y)

-43.24%

-51.76%

+8.57%

+31.65%

+45.27%

+44.65%

+44.66%

+16.36%

📊

Gross Profit Growth (10Y)

-19.59%

-18.97%

-34.82%

📊

Operating Expenses

14,900

15,863

30,843

32,021

28,878

24,923

25,498

25,896

63,811

28,641

37,950

30,662

📊

Operating Expenses Growth (1Y)

+6.46%

+94.43%

+3.82%

-9.82%

-13.70%

+2.31%

+1.56%

+146.41%

-55.12%

+32.50%

-19.20%

📊

Operating Expenses Growth (5Y)

+93.81%

+57.11%

-17.33%

-19.13%

+120.97%

+14.92%

+48.84%

+20.25%

📊

Operating Expenses Growth (10Y)

+92.22%

+139.24%

+93.29%

📊

Sell General Administrative

7,465

4,391

3,442

2,865

3,565

4,067

5,593

4,590

18,484

15,367

📊

Research and Development

📊

Other Income Expenses

-14,900

-15,863

23,378

-240

25,436

22,058

21,933

21,829

58,218

24,051

19,466

15,295

📊

EBITDA

25,848

24,448

14,395

10,946

28,945

34,231

31,965

35,335

37,323

📊

EBITDA Growth (1Y)

-5.42%

-100.00%

-23.96%

+164.43%

+18.26%

-100.00%

+10.54%

+5.63%

📊

EBITDA Growth (5Y)

-44.31%

-55.23%

-100.00%

+192.02%

+22.08%

+28.94%

📊

EBITDA Growth (10Y)

+23.67%

+44.53%

+52.66%

📊

Depreciation and Amortization

808

2,072

1,022

1,312

1,725

1,666

1,395

1,400

1,620

1,662

1,023

572

📊

Operating Income

30,773

-3,163

44,496

45,508

12,718

9,533

28,851

83,907

34,128

32,228

34,995

37,299

📊

Operating Income Growth (1Y)

-110.28%

+1506.77%

+2.27%

-72.05%

-25.04%

+202.64%

+190.83%

-59.33%

-5.57%

+8.59%

+6.58%

📊

Operating Income Growth (5Y)

-58.67%

+401.39%

-35.16%

+84.38%

+168.34%

+238.07%

+21.30%

+29.28%

📊

Operating Income Growth (10Y)

+4.73%

+1206.39%

+1279.23%

📊

Interest Expense

6,442

8,011

26,768

29,738

29,143

22,324

24,582

50,887

88,531

94,077

80,501

64,598

📊

Pre Tax Income

25,040

22,376

14,802

14,467

12,733

9,324

27,623

32,871

33,748

32,935

34,312

36,845

📊

Tax Provision

5,851

5,205

4,151

4,734

3,909

2,472

5,119

8,485

9,198

9,426

9,746

10,027

📊

NET INCOME

18,674

14,008

13,577

11,036

8,809

7,061

23,732

24,535

24,585

24,246

25,249

27,366

📊

Net Income Growth (1Y)

-24.99%

-3.08%

-18.72%

-20.18%

-19.84%

+236.10%

+3.38%

+0.20%

-1.38%

+4.14%

+8.38%

📊

Net Income Growth (5Y)

-52.83%

-49.59%

+74.80%

+122.32%

+179.09%

+243.38%

+6.39%

+15.31%

📊

Net Income Growth (10Y)

+29.84%

+80.25%

+95.36%

📊

Basic EPS

1.87

1.4

6.79

5.52

0.92

0.72

11.26

12.27

12.34

12.53

13.62

15.43

📊

Diluted EPS

1.87

1.4

6.79

5.52

0.92

0.72

11.26

12.27

12.34

12.53

13.62

15.42

📊

Basic Average Shares

10,000

2,000

10,000

2,000

1,992

1,934

1,854

1,778

📊

Diluted Average Shares

10,000

2,000

10,000

2,000

1,992

1,934

1,854

1,778

📊

Ex-Dividend date
Payment date
Annual Dividend	7.28 (ISK)
Dividend Yield	5.13%
Shareholders Yield	-11.56%
Next Earnings
Market cap	241.68B (ISK)
EPS (TTM)	15.43 (ISK)
P/E (TTM)	9.20 (ISK)
Last Close	142.00

Next Earnings
Market cap	241.68B (ISK)
EPS (TTM)	15.43 (ISK)
P/E (TTM)	9.20 (ISK)
Last Close	142.00 (ISK)

Ex-Dividend date
Payment date
Annual Dividend	7.28 (ISK)
Dividend Yield	5.13%
Shareholders Yield	-11.56%
Next Earnings
Market cap	241.68B (ISK)
EPS (TTM)	15.43 (ISK)
P/E (TTM)	9.20 (ISK)
Last Close	142.00

Next Earnings
Market cap	241.68B (ISK)
EPS (TTM)	15.43 (ISK)
P/E (TTM)	9.20 (ISK)
Last Close	142.00 (ISK)