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How does OMASP.HE make money? Does OMASP.HE have pricing power? What's the Earnings Whisper? Will OMASP.HE profit more as the business scales? What is OMASP.HE's management track record? Is OMASP.HE's current price justified?

Oma Säästöpankki Oyj

€17.12 +$4.68 (+37.62%)

HEL · 15 Sep 2026 15:29 UTC

Previous Close

€17.02

Day Range

€17.1€17.14

Year Range

€10.3€17.14

Market Cap

568.78M

AVG Volume

20.57K

Trailing/Forward PE

14.27/12.68

PEG ratio

2.26

Dividend Yield

2.92%

Next Earnings Date

2026-11-05

Primary Exchange

NASDAQ Helsinki

Revenue (EUR)

OMASP.HE Revenue (EUR) by year
Period	Revenue (EUR)
2025	314.62M
2024	406.81M
2023	372.65M
2022	161.38M
2021	152.68M
2020	116.26M
2019	98.8M
2018	82.31M
2017	77.23M
2016	55.82M

Net Income (EUR)

OMASP.HE Net Income (EUR) by year
Period	Net Income (EUR)
2025	39.48M
2024	59.55M
2023	110.05M
2022	55.39M
2021	66.16M
2020	30.82M
2019	27.58M
2018	20.2M
2017	24.21M
2016	16.04M

Operating Income (EUR)

OMASP.HE Operating Income (EUR) by year
Period	Operating Income (EUR)
2025	49.25M
2024	74.59M
2023	138.05M
2022	69.23M
2021	83.27M
2020	37.71M
2019	32.68M
2018	24.98M
2017	30.38M
2016	20.94M

EBITDA (EUR)

OMASP.HE EBITDA (EUR) by year
Period	EBITDA (EUR)
2025	54.28M
2024	83.44M
2023	146.53M
2022	76.81M
2021	93.58M
2020	43.63M
2019	38.29M
2018	27.96M
2017	71.86M
2016	76.05M

Cash Flows (EUR)

OMASP.HE Cash Flows (EUR) by year
Period	Cash Flows (EUR)
2025	329.98M
2024	189.29M
2023	-584.44M
2022	-128.74M
2021	-475.75M
2020	-141.69M
2019	-216.22M
2018	-291.42M
2017	241.12M
2016	-87.87M

EPS (EUR)

OMASP.HE EPS (EUR) by year
Period	EPS (EUR)
2025	1.18
2024	1.78
2023	3.38
2022	1.84
2021	2.23
2020	1.05
2019	0.93
2018	0.72
2017	0.88
2016	0.63

Expenses (EUR)

OMASP.HE Expenses (EUR) by year
Period	Expenses (EUR)
2025	39.07M
2024	8.14M
2023	6.56M
2022	3.55M
2021	5.98M
2020	12.06M
2019	12.3M
2018	1.17M
2017	12.26M
2016	23.55M

Cash & Debt (EUR)

OMASP.HE Cash & Debt (EUR) by year
Period	Cash & Debt (EUR)
2025	1.04B
2024	395.61M
2023	682.12M
2022	402.03M
2021	198.04M
2020	262.09M
2019	6.63M
2018	18.52M
2017	265.26M
2016	55.41M

Debt ratios

OMASP.HE Debt ratios by year
Period	Debt ratios
2025	4.79
2024	5.97
2023	6.53
2022	6.83
2021	7.77
2020	6.05
2019	4.45
2018	2.93

Margins

OMASP.HE Margins by year
Period	Margins
2025	67.96%
2024	66.45%
2023	66.33%
2022	89.5%
2021	96.87%
2020	95.7%
2019	94.1%
2018	91.98%
2017	95.61%
2016	100%

Return on Capital

OMASP.HE Return on Capital by year
Period	Return on Capital
2025	6.38%
2024	10.34%
2023	20.34%
2022	15.18%
2021	16.49%
2020	8.72%
2019	8.62%
2018	6.96%
2017	10.02%
2016	7.26%

Shares Outstanding

OMASP.HE Shares Outstanding by year
Period	Shares Outstanding
2025	33.57M
2024	33.13M
2023	33.07M
2022	29.93M
2021	29.55M
2020	29.38M
2019	29.59M
2018	29.59M
2017	29.6M
2016	24.55M

Dividends (EUR)

OMASP.HE Dividends (EUR) by year
Period	Dividends (EUR)
2026	0.5
2025	0.36
2024	1
2023	0.4
2022	0.5
2021	0.43
2019	0.14

Book Value Per Share (EUR)

OMASP.HE Book Value Per Share (EUR) by year
Period	Book Value Per Share (EUR)
2025	18.43
2024	17.39
2023	16.36
2022	12.2
2021	13.58
2020	12.03
2019	10.81
2018	9.81
2017	8.16
2016	9.01

Total Assets (EUR)

OMASP.HE Total Assets (EUR) by year
Period	Total Assets (EUR)
2025	7.47B
2024	7.71B
2023	7.64B
2022	5.94B
2021	5.37B
2020	4.38B
2019	3.42B
2018	2.91B
2017	2.73B
2016	2.15B

PE Ratio

OMASP.HE PE Ratio by year
Period	PE Ratio
Sep 26	11.73
Sep 26	11.71
Sep 26	11.68
Aug 26	11.68
Aug 26	11.64
Aug 26	11.65
Aug 26	11.65
Jul 26	11.67
Jul 26	11.62
Jul 26	11.62
Jul 26	11.6
Jul 26	8.04
Jun 26	9.85
Jun 26	9.81
Jun 26	10.03
Jun 26	10
May 26	10.53
May 26	9.91
May 26	9.97
May 26	9.81
Apr 26	10.14
Apr 26	9.64
Apr 26	9.74
Apr 26	10.75
Apr 26	10.7
Mar 26	8.38
Mar 26	8.34
Mar 26	8.38
Mar 26	8.28
Feb 26	8.57
Feb 26	8.8
Feb 26	8.6
Feb 26	9.19
Jan 26	9
Jan 26	9.21
Jan 26	9.33
Jan 26	9.16
Jan 26	8.73
Dec 25	7.47
Dec 25	6.93
Dec 25	6.74
Dec 25	6.81
Nov 25	6.77
Nov 25	6.71
Nov 25	6.78
Nov 25	6.74
Oct 25	6.87
Oct 25	7.29
Oct 25	7.14
Oct 25	7.16
Oct 25	7.14
Sep 25	9.49
Sep 25	9.3
Sep 25	8.73
Sep 25	8.21
Aug 25	7.79
Aug 25	8.21
Aug 25	7.92
Aug 25	7.68
Aug 25	7.35
Jul 25	7.23
Jul 25	7.07
Jul 25	7.25
Jul 25	7.03
Jun 25	4.68
Jun 25	4.62
Jun 25	4.84
Jun 25	4.81
May 25	4.87
May 25	5.01
May 25	4.89
May 25	4.88
May 25	5.17
Apr 25	4.7
Apr 25	4.71
Apr 25	4.31
Apr 25	4.66
Mar 25	4.32
Mar 25	4.54
Mar 25	4.53
Mar 25	4.52
Feb 25	4.44
Feb 25	4.55
Feb 25	4.68
Feb 25	5.32
Jan 25	5.33
Jan 25	5.48
Jan 25	5.28
Jan 25	5.05
Jan 25	5.2
Dec 24	4.05
Dec 24	4.07
Dec 24	4.12
Dec 24	4.27
Nov 24	4.35
Nov 24	4.46
Nov 24	4.43
Nov 24	4.7
Nov 24	4.62
Oct 24	5.42

Free Cash Flow Yield

OMASP.HE Free Cash Flow Yield by year
Period	Free Cash Flow Yield
Sep 26	62.31%
Sep 26	62.46%
Sep 26	62.61%
Aug 26	62.61%
Aug 26	62.83%
Aug 26	62.76%
Aug 26	62.76%
Jul 26	62.68%
Jul 26	62.9%
Jul 26	62.9%
Jul 26	63.05%
Jul 26	90.96%
Jun 26	84.88%
Jun 26	85.18%
Jun 26	83.3%
Jun 26	83.59%
May 26	79.4%
May 26	84.3%
May 26	83.87%
May 26	85.18%
Apr 26	82.46%
Apr 26	86.68%
Apr 26	85.77%
Apr 26	77.77%
Apr 26	78.14%
Mar 26	114.28%
Mar 26	114.86%
Mar 26	114.28%
Mar 26	115.63%
Feb 26	111.66%
Feb 26	108.81%
Feb 26	111.3%
Feb 26	104.16%
Jan 26	106.43%
Jan 26	104%
Jan 26	102.59%
Jan 26	104.48%
Jan 26	109.69%
Dec 25	134.52%
Dec 25	144.98%
Dec 25	149.03%
Dec 25	147.65%
Nov 25	148.47%
Nov 25	149.86%
Nov 25	148.2%
Nov 25	149.03%
Oct 25	146.31%
Oct 25	137.76%
Oct 25	140.66%
Oct 25	140.41%
Oct 25	140.66%
Sep 25	43.92%
Sep 25	44.77%
Sep 25	47.74%
Sep 25	50.72%
Aug 25	53.46%
Aug 25	50.72%
Aug 25	52.57%
Aug 25	54.27%
Aug 25	56.65%
Jul 25	57.62%
Jul 25	58.9%
Jul 25	57.49%
Jul 25	59.24%
Jun 25	67.95%
Jun 25	68.85%
Jun 25	65.68%
Jun 25	66.14%
May 25	65.23%
May 25	63.49%
May 25	65.01%
May 25	65.16%
May 25	61.51%
Apr 25	67.7%
Apr 25	67.46%
Apr 25	73.83%
Apr 25	68.27%
Mar 25	26.73%
Mar 25	25.43%
Mar 25	25.49%
Mar 25	25.54%
Feb 25	25.98%
Feb 25	25.33%
Feb 25	24.63%
Feb 25	21.67%
Jan 25	21.64%
Jan 25	21.03%
Jan 25	21.83%
Jan 25	22.86%
Jan 25	22.19%
Dec 24	-14.64%
Dec 24	-14.55%
Dec 24	-14.39%
Dec 24	-13.88%
Nov 24	-13.63%
Nov 24	-13.29%
Nov 24	-13.36%
Nov 24	-12.62%
Nov 24	-12.81%
Oct 24	-10.93%

Price to Sales

OMASP.HE Price to Sales by year
Period	Price to Sales
Sep 26	1.89
Sep 26	1.89
Sep 26	1.88
Aug 26	1.88
Aug 26	1.88
Aug 26	1.88
Aug 26	1.88
Jul 26	1.88
Jul 26	1.87
Jul 26	1.87
Jul 26	1.87
Jul 26	1.3
Jun 26	1.24
Jun 26	1.23
Jun 26	1.26
Jun 26	1.25
May 26	1.32
May 26	1.24
May 26	1.25
May 26	1.23
Apr 26	1.27
Apr 26	1.21
Apr 26	1.22
Apr 26	1.35
Apr 26	1.34
Mar 26	1.18
Mar 26	1.17
Mar 26	1.18
Mar 26	1.16
Feb 26	1.2
Feb 26	1.23
Feb 26	1.21
Feb 26	1.29
Jan 26	1.26
Jan 26	1.29
Jan 26	1.31
Jan 26	1.29
Jan 26	1.22
Dec 25	1.08
Dec 25	1
Dec 25	0.97
Dec 25	0.98
Nov 25	0.98
Nov 25	0.97
Nov 25	0.98
Nov 25	0.97
Oct 25	0.99
Oct 25	1.05
Oct 25	1.03
Oct 25	1.03
Oct 25	1.03
Sep 25	1.03
Sep 25	1.01
Sep 25	0.95
Sep 25	0.89
Aug 25	0.85
Aug 25	0.89
Aug 25	0.86
Aug 25	0.83
Aug 25	0.8
Jul 25	0.78
Jul 25	0.77
Jul 25	0.79
Jul 25	0.76
Jun 25	0.68
Jun 25	0.68
Jun 25	0.71
Jun 25	0.7
May 25	0.71
May 25	0.73
May 25	0.72
May 25	0.71
May 25	0.76
Apr 25	0.69
Apr 25	0.69
Apr 25	0.63
Apr 25	0.68
Mar 25	0.72
Mar 25	0.76
Mar 25	0.76
Mar 25	0.75
Feb 25	0.74
Feb 25	0.76
Feb 25	0.78
Feb 25	0.89
Jan 25	0.89
Jan 25	0.92
Jan 25	0.88
Jan 25	0.84
Jan 25	0.87
Dec 24	0.81
Dec 24	0.81
Dec 24	0.82
Dec 24	0.85
Nov 24	0.87
Nov 24	0.89
Nov 24	0.88
Nov 24	0.94
Nov 24	0.92
Oct 24	1.08

EV/EBITDA

OMASP.HE EV/EBITDA by year
Period	EV/EBITDA
Sep 26	37.88
Sep 26	37.86
Sep 26	37.83
Aug 26	37.83
Aug 26	37.8
Aug 26	37.81
Aug 26	37.81
Jul 26	37.82
Jul 26	37.79
Jul 26	37.79
Jul 26	37.77
Jul 26	35.17
Jun 26	39.02
Jun 26	38.99
Jun 26	39.16
Jun 26	39.13
May 26	39.51
May 26	39.07
May 26	39.11
May 26	38.99
Apr 26	39.23
Apr 26	38.87
Apr 26	38.95
Apr 26	39.68
Apr 26	39.64
Mar 26	39.26
Mar 26	39.23
Mar 26	39.26
Mar 26	39.19
Feb 26	39.4
Feb 26	39.56
Feb 26	39.42
Feb 26	39.84
Jan 26	39.7
Jan 26	39.85
Jan 26	39.94
Jan 26	39.82
Jan 26	39.51
Dec 25	29.39
Dec 25	29.01
Dec 25	28.88
Dec 25	28.92
Nov 25	28.89
Nov 25	28.85
Nov 25	28.9
Nov 25	28.88
Oct 25	28.96
Oct 25	29.26
Oct 25	29.16
Oct 25	29.17
Oct 25	29.16
Sep 25	40.66
Sep 25	40.54
Sep 25	40.15
Sep 25	39.8
Aug 25	39.51
Aug 25	39.8
Aug 25	39.6
Aug 25	39.43
Aug 25	39.21
Jul 25	39.13
Jul 25	39.02
Jul 25	39.14
Jul 25	38.99
Jun 25	31.99
Jun 25	31.95
Jun 25	32.11
Jun 25	32.08
May 25	32.13
May 25	32.22
May 25	32.14
May 25	32.13
May 25	32.34
Apr 25	32
Apr 25	32.01
Apr 25	31.72
Apr 25	31.97
Mar 25	25.6
Mar 25	25.76
Mar 25	25.76
Mar 25	25.75
Feb 25	25.69
Feb 25	25.78
Feb 25	25.87
Feb 25	26.33
Jan 25	26.34
Jan 25	26.45
Jan 25	26.31
Jan 25	26.13
Jan 25	26.24
Dec 24	22.55
Dec 24	22.56
Dec 24	22.6
Dec 24	22.71
Nov 24	22.77
Nov 24	22.85
Nov 24	22.83
Nov 24	23.02
Nov 24	22.97
Oct 24	23.56

Price/Operating Cashflow

OMASP.HE Price/Operating Cashflow by year
Period	Price/Operating Cashflow
Sep 26	1.52
Sep 26	1.51
Sep 26	1.51
Aug 26	1.51
Aug 26	1.5
Aug 26	1.51
Aug 26	1.51
Jul 26	1.51
Jul 26	1.5
Jul 26	1.5
Jul 26	1.5
Jul 26	1.04
Jun 26	1.12
Jun 26	1.11
Jun 26	1.14
Jun 26	1.13
May 26	1.19
May 26	1.12
May 26	1.13
May 26	1.11
Apr 26	1.15
Apr 26	1.09
Apr 26	1.1
Apr 26	1.22
Apr 26	1.21
Mar 26	0.85
Mar 26	0.84
Mar 26	0.85
Mar 26	0.84
Feb 26	0.87
Feb 26	0.89
Feb 26	0.87
Feb 26	0.93
Jan 26	0.91
Jan 26	0.93
Jan 26	0.95
Jan 26	0.93
Jan 26	0.88
Dec 25	0.73
Dec 25	0.67
Dec 25	0.66
Dec 25	0.66
Nov 25	0.66
Nov 25	0.65
Nov 25	0.66
Nov 25	0.66
Oct 25	0.67
Oct 25	0.71
Oct 25	0.69
Oct 25	0.7
Oct 25	0.69
Sep 25	2.15
Sep 25	2.11
Sep 25	1.98
Sep 25	1.86
Aug 25	1.77
Aug 25	1.86
Aug 25	1.8
Aug 25	1.74
Aug 25	1.67
Jul 25	1.64
Jul 25	1.61
Jul 25	1.64
Jul 25	1.6
Jun 25	1.41
Jun 25	1.39
Jun 25	1.46
Jun 25	1.45
May 25	1.47
May 25	1.51
May 25	1.47
May 25	1.47
May 25	1.56
Apr 25	1.42
Apr 25	1.42
Apr 25	1.3
Apr 25	1.4
Mar 25	3.45
Mar 25	3.63
Mar 25	3.62
Mar 25	3.61
Feb 25	3.55
Feb 25	3.64
Feb 25	3.74
Feb 25	4.25
Jan 25	4.26
Jan 25	4.38
Jan 25	4.22
Jan 25	4.03
Jan 25	4.16
Mar 19	4.9
Mar 19	4.95
Mar 19	5.02
Mar 19	5.06
Mar 19	5.13
Feb 19	5.19
Feb 19	5.13
Feb 19	4.99
Feb 19	5.03
Jan 19	5.03

Price to Book

OMASP.HE Price to Book by year
Period	Price to Book
Sep 26	0.9
Sep 26	0.9
Sep 26	0.89
Aug 26	0.89
Aug 26	0.89
Aug 26	0.89
Aug 26	0.89
Jul 26	0.89
Jul 26	0.89
Jul 26	0.89
Jul 26	0.89
Jul 26	0.62
Jun 26	0.63
Jun 26	0.63
Jun 26	0.64
Jun 26	0.64
May 26	0.67
May 26	0.63
May 26	0.64
May 26	0.63
Apr 26	0.65
Apr 26	0.62
Apr 26	0.62
Apr 26	0.69
Apr 26	0.68
Mar 26	0.65
Mar 26	0.65
Mar 26	0.65
Mar 26	0.65
Feb 26	0.67
Feb 26	0.69
Feb 26	0.67
Feb 26	0.72
Jan 26	0.7
Jan 26	0.72
Jan 26	0.73
Jan 26	0.72
Jan 26	0.68
Dec 25	0.67
Dec 25	0.63
Dec 25	0.61
Dec 25	0.61
Nov 25	0.61
Nov 25	0.61
Nov 25	0.61
Nov 25	0.61
Oct 25	0.62
Oct 25	0.66
Oct 25	0.65
Oct 25	0.65
Oct 25	0.65
Sep 25	0.68
Sep 25	0.67
Sep 25	0.63
Sep 25	0.59
Aug 25	0.56
Aug 25	0.59
Aug 25	0.57
Aug 25	0.55
Aug 25	0.53
Jul 25	0.52
Jul 25	0.51
Jul 25	0.52
Jul 25	0.51
Jun 25	0.48
Jun 25	0.48
Jun 25	0.5
Jun 25	0.5
May 25	0.5
May 25	0.52
May 25	0.51
May 25	0.5
May 25	0.53
Apr 25	0.49
Apr 25	0.49
Apr 25	0.45
Apr 25	0.48
Mar 25	0.54
Mar 25	0.57
Mar 25	0.57
Mar 25	0.57
Feb 25	0.56
Feb 25	0.57
Feb 25	0.59
Feb 25	0.67
Jan 25	0.67
Jan 25	0.69
Jan 25	0.66
Jan 25	0.63
Jan 25	0.65
Dec 24	0.64
Dec 24	0.64
Dec 24	0.65
Dec 24	0.67
Nov 24	0.68
Nov 24	0.7
Nov 24	0.7
Nov 24	0.74
Nov 24	0.73
Oct 24	0.85

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Oma Säästöpankki Oyj

Video analysis: OMASP.HE

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