STUDENTKORTET.NO AS
Score · fiscal year 2025
62of 100
How to read this: the company is ahead of 73 % of companies in the Morning class Micro in the same sector in 2025. What does this mean?
Rank in the Morning class Micro: 3,044 of 11,397 · What are Morning company classes?
Place in the whole sector: 6,193 of 23,065 · Handel
Profile
Lion · Leader
High profitability, high solidity
Position against comparable companies in 2025, not a verdict on the company. Based on profitability 75 and solidity 72 out of 100 among companies in the Morning class Micro in the same sector in 2025. Methodology
Against the sector
STUDENTKORTET.NO AS is 12 points above the median for companies in the Morning class Micro in the same sector in 2025.
Median score 50 among 11,394 companies.
Against companies in the Morning class Micro in the same sector in 2025: operating margin 11.2% (median 2.6%) and equity ratio 62.2% (median 33.8%).
The numbers behind the score
| Measure | Company | Median |
|---|---|---|
| Operating revenue | 7 MNOK | 4 MNOK |
| Operating margin | 11.2% | 2.6% |
| Profit margin | 11.9% | 2.2% |
| Return on assets | 14.8% | 6.2% |
| Equity ratio | 62.2% | 33.8% |
| Debt-to-equity | 0.61 | 1.23 |
| Current ratio | 2.13 | 1.75 |
| Revenue growth | −9.6% | 4.0% |
The median and “ahead of” refer to companies in the Morning class Micro in the same sector in 2025. The bar shows the share of companies the figure is ahead of.
With an index of 62, STUDENTKORTET.NO AS does better than 73% of companies in the Morning class Micro in the same sector (11,397 companies) in 2025.
Score 2023–2025
- STUDENTKORTET.NO AS
- Median: companies in the Morning class Micro in the same sector
STUDENTKORTET.NO AS has a score of 62 for 2025, rank 6,193 of 23,065 in the sector.
Strongest: Profitability: percentile 75 against peers, operating margin 11.2% against a median of 2.6%. Solidity: percentile 72 against peers, equity ratio 62.2% against a median of 33.8%.
Weakest: Growth: percentile 22 against peers, revenue growth −9.6% against a median of 4.0%.
Worth a closer look
- What lies behind weak growth, 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
STUDENTKORTET.NO AS had an operating margin of 11.2% and an equity ratio of 62.2% in 2025, and ranks 6,193 of 23,065 in Handel.
From 2024 to 2025: the equity ratio rose from 30.2% to 62.2% and the operating margin fell from 23.6% to 11.2%.
This text is generated automatically from the 2025 accounts.
Three simple methods
The methods give between 3 MNOK and 7 MNOK.
| Method | Multiple | Estimate |
|---|---|---|
| P/E | 10.0 | 6 MNOK |
| EV/EBIT | 8.0 | 7 MNOK |
| P/B | 1.0 | 3 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 1.4% 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
No anomalies found in the figures.
Scenario analysis: the sector's weakest year
We have no accounts for 2022, the sector's weakest year, for this company.
The sector's weakest year was 2022, with a median operating margin of 1.5%. 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 | 75 | weight 30% |
|---|---|---|
| Solidity | 72 | weight 25% |
| Liquidity | 59 | weight 15% |
| Growth | 22 | weight 15% |
| Consistency | 63 | weight 15% |
Durability: 61 (average over 3 years)
Index version 2. Data completeness 100%: the share of the weights that had data.
Questions and answers
How profitable is STUDENTKORTET.NO AS?
The operating margin was 11.2% in 2025, against a median of 2.6% among companies in the Morning class Micro in the same sector. Return on assets was 14.8%.
How solid is STUDENTKORTET.NO AS?
The equity ratio was 62.2% in 2025 (median 33.8%). Debt-to-equity was 0.61 (median 1.23).
What is the liquidity of STUDENTKORTET.NO AS like?
The current ratio was 2.13 in 2025 (median 1.75).
How does STUDENTKORTET.NO AS compare in Handel?
STUDENTKORTET.NO AS ranks 6,193 of 23,065 in Handel for 2025. Among companies in the Morning class Micro it is number 3,044 of 11,397. Revenue changed by −9.6% from the year before.
From the Central Coordinating Register
- Org. no.
- 989909754
- Legal form
- AS
- Sector
- Handel (47.910)
- Morning company class
- Micro
- Employees
- 0–4 (not registered)
- Founded
- 10 May 2006 20 years in operation
- Share capital
- 0.40 MNOK
- Business address
- Lars Hilles gate 30, 5008 BERGEN
- Municipality
- Bergen rank 8 of 11 in KOSTRA group 12
- Latest accounts filed
- 2025
- Website
- www.studentkortet.no
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
- Chief executive
- Joachim Kittang Gjesdal
- Chair of the board
- Rune Gjesdal
- Deputy member
- Joachim Kittang Gjesdal
- Auditor
- CEDRA NORGE AS
- Accountant
- AIDER AS
Source: Central Coordinating Register, fetched 29 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 | 67 | 54 | 62 | |
| Rank | 5,091 | 9,764 | 6,193 | |
| Operating margin | 35.1% | 23.6% | 11.2% | |
| Return on assets | 37.5% | 28.8% | 14.8% | |
| Equity ratio | 41.7% | 30.2% | 62.2% | |
| Current ratio | 1.69 | 1.45 | 2.13 | |
| Revenue growth | – | −8.8% | −9.6% |
Accounts
From the Brønnøysund Register Centre, in the company's reporting currency (NOK).
| Key figure | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating revenue | 8.1 MNOK | 7.4 MNOK | 6.7 MNOK |
| Operating profit | 2.9 MNOK | 1.7 MNOK | 0.8 MNOK |
| Profit before tax | 2.9 MNOK | 1.7 MNOK | 0.8 MNOK |
| Net profit | 2.3 MNOK | 1.3 MNOK | 0.6 MNOK |
| Financial expenses | 0.0 MNOK | 0.2 MNOK | 0.0 MNOK |
| Total assets | 7.9 MNOK | 6.6 MNOK | 5.6 MNOK |
| Current assets | 7.7 MNOK | 6.1 MNOK | 3.8 MNOK |
| Equity | 3.3 MNOK | 2.0 MNOK | 3.5 MNOK |
| Retained earnings | 2.9 MNOK | 1.6 MNOK | 2.2 MNOK |
| Total liabilities | 4.6 MNOK | 4.6 MNOK | 2.1 MNOK |
| Current liabilities | 4.6 MNOK | 4.2 MNOK | 1.8 MNOK |
Source: Brønnøysund Register Centre (Register of Company Accounts), fetched 29 October 2026, accounts id 7179817.
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