STIFI AS
Score · fiscal year 2025
55of 100
How to read this: the company is ahead of 63 % of medium-sized companies in the same sector in 2025. What does this mean?
Rank: 15,360 of 38,671 · Handel
Profile
Elephant · Steward
Lower profitability, high solidity
Position against comparable companies in 2025, not a verdict on the company. Based on profitability 21 and solidity 97 out of 100 among medium-sized companies in the same sector in 2025. Methodology
Against the sector
STIFI AS is 6 points above the median for medium-sized companies in the same sector in 2025.
Median score 49 among 2,198 companies.
The numbers behind the score
| Measure | Company | Median |
|---|---|---|
| Operating margin | – | 3.2% |
| Profit margin | – | 3.2% |
| Return on assets | 3.7% | 11.6% |
| Equity ratio | 97.0% | 32.6% |
| Debt-to-equity | 0.03 | 2.03 |
| Current ratio | 1.48 | 1.38 |
| Revenue growth | – | 6.8% |
The median and “ahead of” refer to medium-sized companies in the same sector in 2025. The bar shows the share of companies the figure is ahead of.
With an index of 55, STIFI AS does better than 63% of medium-sized companies in the same sector (2,203 companies) in 2025.
Score 2023–2025
- STIFI AS
- Median: medium-sized companies in the same sector
STIFI AS has a score of 55 for 2025, rank 15,360 of 38,671 in the sector.
Strongest: Solidity: percentile 97 against peers, equity ratio 97.0% against a median of 32.6%.
Weakest: Profitability: percentile 21 against peers.
Worth a closer look
- What lies behind weak profitability, and will it last?
Written by fixed rules from the figures. Describes the figures, does not explain causes. Not investment or financial advice. How the summary is made
What the numbers say
STIFI AS had an operating margin of – and an equity ratio of 97.0% in 2025, and ranks 15,360 of 38,671 in Handel.
No large changes in the key figures from 2024 to 2025.
This text is generated automatically from the 2025 accounts.
Three simple methods
The methods give between 89 MNOK and 262 MNOK.
| Method | Multiple | Estimate |
|---|---|---|
| P/E | 10.0 | 89 MNOK |
| EV/EBIT | 8.0 | not meaningful |
| P/B | 1.0 | 262 MNOK |
A mechanical estimate from public accounts, not advice. Mechanical estimate from public accounts with fixed multiples. Not a valuation and not advice to buy or sell. The multiples are provisional default values and must be adjusted per sector before the figures are used for anything. See the calculation
Worth a closer look
No rules were triggered for this year.
Indications based on the latest annual accounts from open data. Not investment or financial advice.
Financial costs were 12.8% of the debt in 2025. The policy rate averaged 4.30 % the same year. This is a plain description of what the debt cost, not a model of interest sensitivity.
Data quality
- watch Revenue not reported
- watch No revenue but large assets
Scenario analysis: the sector's weakest year
We have no accounts for 2017, the sector's weakest year, for this company.
The sector's weakest year was 2017, with a median operating margin of −65.6%. Based on the 11 fiscal years we have. The analysis grows as more years are fetched or imported. Methodology
What the score is made of
| Profitability | 21 | weight 30% |
|---|---|---|
| Solidity | 97 | weight 25% |
| Liquidity | 56 | weight 15% |
| Growth | – | no data, left out |
| Consistency | 55 | weight 15% |
Durability: 56 (average over 3 years)
Index version 2. Data completeness 85%: the share of the weights that had data.
Questions and answers
How profitable is STIFI AS?
The operating margin was – in 2025, against a median of 3.2% among medium-sized companies in the same sector. Return on assets was 3.7%.
How solid is STIFI AS?
The equity ratio was 97.0% in 2025 (median 32.6%). Debt-to-equity was 0.03 (median 2.03).
What is the liquidity of STIFI AS like?
The current ratio was 1.48 in 2025 (median 1.38).
How does STIFI AS compare in Handel?
STIFI AS ranks 15,360 of 38,671 in Handel for 2025. Among companies of the same size (medium-sized companies) it ranks 822 of 2,203.
From the Central Coordinating Register
- Org. no.
- 989455656
- Legal form
- AS
- Sector
- Handel (47.710)
- Size tier
- medium
- Employees
- 0–4 (not registered)
- Founded
- 30 January 2006 20 years in operation
- Share capital
- 0.03 MNOK
- Business address
- c/o Camar AS, Domkirkeplassen 3, 4006 STAVANGER
- Municipality
- Stavanger rank 5–9 of 11 in KOSTRA group 12
- Latest accounts filed
- 2025
Source: Central Coordinating Register, Brønnøysund Register Centre. The employee count is reported by the company and may be older than the accounts. See the company at the Brønnøysund Register Centre
Ownership and roles
- Chair of the board
- Stine Ertvaag
- Deputy member
- John Arild Ertvaag
- Auditor
- DELOITTE AS
- Accountant
- KJELL HAVER REGNSKAPSSERVICE AS
Source: Central Coordinating Register, fetched 25 October 2026. Only names are shown.
Owners and shareholdings will appear here once the shareholder data extract is in place.
Coming · not built yet
Error in the data?
Do you see an error in the figures or in how the company is mapped (sector, holding, group)? Let us know. Corrections require documentation.
Figures last fetched 29 October 2026.
Year by year · 2023–2025
| Key figure | 2023 | 2024 | 2025 | Trend |
|---|---|---|---|---|
| Index | 57 | 54 | 55 | |
| Rank | 12,877 | 15,675 | 15,360 | |
| Operating margin | – | – | – | |
| Return on assets | 2.4% | 4.0% | 3.7% | |
| Equity ratio | 97.1% | 95.6% | 97.0% | |
| Current ratio | 1.95 | 1.40 | 1.48 | |
| Revenue growth | – | – | – |
Accounts
From the Brønnøysund Register Centre, in the company's reporting currency (NOK).
| Key figure | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating revenue | – | – | – |
| Operating profit | −1.0 MNOK | 0.0 MNOK | −0.9 MNOK |
| Profit before tax | 5.2 MNOK | 9.6 MNOK | 8.9 MNOK |
| Net profit | 5.2 MNOK | 9.6 MNOK | 8.9 MNOK |
| Financial expenses | 1.3 MNOK | 1.3 MNOK | 1.0 MNOK |
| Total assets | 272.4 MNOK | 274.0 MNOK | 270.5 MNOK |
| Current assets | 15.6 MNOK | 16.9 MNOK | 12.0 MNOK |
| Equity | 264.4 MNOK | 262.0 MNOK | 262.4 MNOK |
| Retained earnings | 66.1 MNOK | 63.7 MNOK | 64.1 MNOK |
| Total liabilities | 8.0 MNOK | 12.0 MNOK | 8.1 MNOK |
| Current liabilities | 8.0 MNOK | 12.0 MNOK | 8.1 MNOK |
Source: Brønnøysund Register Centre (Register of Company Accounts), fetched 29 October 2026, accounts id 6965224.
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