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Instabank ASA (INSTA) Fair Value & Analysis

Financial Services · NO · Market cap 1.9B NOK

Pricekr 4.01
Fair Valuekr 3.46
Upside-13.7%
Quality89/100
Evidence: Medium Range kr 2.60 – kr 4.33

Fair value as of: Jun 26, 2026

Analysis

Instabank ASA (INSTA) currently trades at kr 4.01, while our model-based Fair Value estimate is kr 3.46 — implying the stock looks roughly 13.7% overvalued today. We read business quality at 89/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: medium).

About the company

Instabank ASA provides various banking products and services in Norway. It accepts deposits and saving and investment accounts; offers consumer and secured loans, refinance, and credit cards, as well as loans for vehicles and boats; and provides credit cards. The company also provides payment, car, travel, contents, and dental health insurance products. Instabank ASA was incorporated in 2016 and is based in Oslo, Norway.

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Frequently asked questions

Is Instabank ASA (INSTA) undervalued?
As of Jun 26, 2026, our model estimates a fair value of kr 3.46 versus a price of kr 4.01 — about −14% (overvalued). Model-based estimate, not financial advice.
What is the fair value of INSTA?
Our 21-model fair value for Instabank ASA is kr 3.46 (as of Jun 26, 2026), built from audited fundamentals. The current price is kr 4.01.
What is the quality score of INSTA?
Instabank ASA has a Quality Score of 89/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.