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Voss Veksel- OG Landsmandsbank ASA financial health, profit and balance sheet · Scorvest

Norway

Voss Veksel- OG Landsmandsbank ASA

Fiscal year ends in December · Figures in NOK

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In shortVoss Veksel- OG Landsmandsbank ASA is profitable.

Financial health

Strong

Built from five areas over the last five annual reports. Tap an area to see the figures behind it. Bank or insurer: tests that do not apply to them are left out.

How is this score calculated? →

Profitability52

Operating marginShare of each sale left after running the business, before interest and tax.	–	n/a
Net marginShare of each sale left as profit after every cost, interest and tax.	–	n/a
Return on equityProfit earned on the money shareholders put in. Above 15% is strong.	10.4%	52/100

Weight in the score: 25%

Balance sheet100
Equity / assets 12.0% 100/100
Weight in the score: 25%

Equity / assets	12.0%	100/100

Cash generation–

Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt.	–	n/a
Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy.	0.16×	n/a
Years with positive free cash flow (last 5)	4 of 5	n/a

Weight in the score: 20%

Stability100
Profitable years (last 5) 5 of 5 100/100
Years of revenue decline (last 5) – n/a
Revenue growth volatility – n/a
Operating margin volatility – n/a
Weight in the score: 20%
Growth–
Revenue growth, 3-year average – n/a
EPS growth, 3-year average – n/a
Weight in the score: 10%

Profitable years (last 5)	5 of 5	100/100
Years of revenue decline (last 5)	–	n/a
Revenue growth volatility	–	n/a
Operating margin volatility	–	n/a

Revenue growth, 3-year average	–	n/a
EPS growth, 3-year average	–	n/a

Fiscal year 2025 · change vs prior year

Revenue: –; –
Net income: kr 84.2M; ▼ 1.8%
Total assets: kr 7.0B; ▲ 8.2%
Operating margin: –; –
Cash & investments: kr 295.0M; –
Total debt: –; –
Diluted EPS: kr38.20; ▼ 1.8%
Return on equity: 10.4%; –

European data comes from annual reports in ESEF format (since 2020). Industry and ticker are not provided by this source.

Trends

Annual figures as reported. Hover a bar or point for the exact value.

Revenue and net income

RevenueNet income

Margins

No data reported.

Cash versus debt

Statements

The last 5 fiscal years from the company's annual reports.

NOK millions; negative values in parentheses.

Fiscal year	FY21	FY22	FY23	FY24	FY25
Interest expense	35	65	162	210	217
Pre-tax income	58	71	101	118	116
Income tax	13	16	23	27	27
Net income	43	52	73	86	84
Diluted EPS	–	–	–	kr38.91	kr38.20

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Risk checks

Altman Z'' score

Not computed: the model does not apply to banks and insurers.

Piotroski F-score

Not computed: it needs two consecutive complete years.

Sources

Annual reportPeriod ending Dec 31, 2025Filed Apr 29, 2026Open the report ↗
Annual reportPeriod ending Dec 31, 2024Open the report ↗
Annual reportPeriod ending Dec 31, 2023Open the report ↗
Annual reportPeriod ending Dec 31, 2022Open the report ↗

All figures: filings.xbrl.org (ESEF). Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works

Latest annual report: Dec 31, 2025 · Data updated Apr 29, 2026