DNB Bank ASA (DNB.OL) stock analysis
In our weekly check, DNB Bank ASA is graded C (A to F). Of 24 checks on debt, profit, cash flow and trend: 16 pass, warnings: 1, red flags: 7.
About DNB Bank ASA
DNB Bank ASA is a Financial Services company (Banks - Regional) based in Norway, listed on OSL as DNB.OL.
What our checks show for DNB.OL
Red flags
- The net margin fell by 18.2 points over 5 years, to 21.6%: the company keeps less of each sale as profit.
- The gross margin fell by 41.3 points, to 47.1%: costs are rising faster than prices.
- Analysts expect revenue to shrink about 26.3% a year.
- The stock has fallen as much as 82% from a peak. Would you have held through that?
- Return on capital (ROCE) is only 1.5%.
Warning signs
- Recovering from its deepest fall took about 2.3 years.
Strengths
- Operating cash flow is 1.77x net profit: the profit arrives as real cash.
- Analysts expect the net margin to improve by 24.1 points from today's 21.6%.
- Revenue grew 25.1% a year over the last 3 years.
- The company keeps 21.6% of its revenue as net profit.
- Free cash flow is 36.8% of revenue: cash for dividends, buybacks or growth.
- The price is 11.5 times earnings (P/E), reasonable for its growth.
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Questions
What grade does DNB Bank ASA (DNB.OL) have?
In our weekly check, DNB Bank ASA is graded C (A to F). Of 24 checks on debt, profit, cash flow and trend: 16 pass, warnings: 1, red flags: 7. The grade is a risk check, not a buy or sell recommendation.
What are the main risks of DNB.OL stock?
This week's biggest flags for DNB Bank ASA: Margins falling, Gross margin falling, Weak revenue forecast. In total 8 of 24 checks show a warning or a red flag.
What does DNB Bank ASA do?
DNB Bank ASA is a Financial Services company (Banks - Regional) based in Norway, listed on OSL as DNB.OL.
The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.
Updated 2026-10-24
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