AURSKOG SPAREBANK (AURG.OL) Stock Fundamental Analysis
Europe - OSL:AURG - NO0006001601 - Common Stock
241.15 NOK
+3.65 (+1.54%)
We assign a fundamental rating of 3 out of 10 to AURG. AURG was compared to 97 industry peers in the Banks industry. AURG may be in some trouble as it scores bad on both profitability and health. AURG has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
AURG had positive earnings in the past year.
AURG had a positive operating cash flow in the past year.
Each year in the past 5 years AURG has been profitable.
AURG had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
AURG has a Return On Assets of 0.45%. This is in the lower half of the industry: AURG underperforms 69.07% of its industry peers.
AURG has a Return On Equity of 3.78%. This is in the lower half of the industry: AURG underperforms 75.26% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.45% | ||
| ROE | 3.78% | ||
| ROIC | N/A |
ROA(3y)0.48%
ROA(5y)0.43%
ROE(3y)3.9%
ROE(5y)3.54%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a Profit Margin value of 17.99%, AURG is not doing good in the industry: 61.86% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of AURG has grown nicely.
AURG does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 17.99% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y6%
PM growth 5Y3.63%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
AURG does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, AURG has about the same amount of shares outstanding.
The number of shares outstanding for AURG has been increased compared to 5 years ago.
Compared to 1 year ago, AURG has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of AURG is 31.85, which is on the high side as it means it would take AURG, 31.85 years of fcf income to pay off all of its debts.
AURG has a Debt to FCF ratio of 31.85. This is in the better half of the industry: AURG outperforms 72.16% of its industry peers.
AURG has a Debt/Equity ratio of 2.30. This is a high value indicating a heavy dependency on external financing.
AURG has a Debt to Equity ratio (2.30) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.3 | ||
| Debt/FCF | 31.85 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.59%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
AURG shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -0.38%.
AURG shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 13.80% yearly.
The Revenue has been growing slightly by 6.62% in the past year.
Measured over the past years, AURG shows a quite strong growth in Revenue. The Revenue has been growing by 13.09% on average per year.
EPS 1Y (TTM)-0.38%
EPS 3Y15.83%
EPS 5Y13.8%
EPS Q2Q%2.91%
Revenue 1Y (TTM)6.62%
Revenue growth 3Y18.19%
Revenue growth 5Y13.09%
Sales Q2Q%10.51%
3.2 Future
Based on estimates for the next years, AURG will show a small growth in Earnings Per Share. The EPS will grow by 6.18% on average per year.
The Revenue is expected to grow by 6.53% on average over the next years.
EPS Next Y12.52%
EPS Next 2Y6.55%
EPS Next 3Y6.18%
EPS Next 5YN/A
Revenue Next Year1.45%
Revenue Next 2Y5.63%
Revenue Next 3Y6.53%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
AURG is valuated correctly with a Price/Earnings ratio of 13.05.
AURG's Price/Earnings ratio is a bit more expensive when compared to the industry. AURG is more expensive than 75.26% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.83, AURG is valued rather cheaply.
A Price/Forward Earnings ratio of 11.59 indicates a reasonable valuation of AURG.
AURG's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. AURG is more expensive than 69.07% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of AURG to the average of the S&P500 Index (22.88), we can say AURG is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.05 | ||
| Fwd PE | 11.59 |
4.2 Price Multiples
AURG's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. AURG is cheaper than 79.38% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.47 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.04
PEG (5Y)0.95
EPS Next 2Y6.55%
EPS Next 3Y6.18%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.24%, AURG is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.83, AURG pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.30, AURG pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.24% |
5.2 History
The dividend of AURG is nicely growing with an annual growth rate of 14.91%!
Dividend Growth(5Y)14.91%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
76.94% of the earnings are spent on dividend by AURG. This is not a sustainable payout ratio.
The dividend of AURG is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP76.94%
EPS Next 2Y6.55%
EPS Next 3Y6.18%
OSL:AURG (10/27/2025, 7:00:00 PM)
241.15
+3.65 (+1.54%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners5.36%
Inst Owner ChangeN/A
Ins Owners13.36%
Ins Owner ChangeN/A
Market Cap1.11B
Revenue(TTM)500.88M
Net Income(TTM)90.12M
Analysts37.78
Price Target209.1 (-13.29%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.24% |
Yearly Dividend15
Dividend Growth(5Y)14.91%
DP76.94%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-2.35%
Min EPS beat(2)-2.9%
Max EPS beat(2)-1.79%
EPS beat(4)0
Avg EPS beat(4)-4.3%
Min EPS beat(4)-8.35%
Max EPS beat(4)-1.79%
EPS beat(8)1
Avg EPS beat(8)-3.53%
EPS beat(12)2
Avg EPS beat(12)-2.24%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)13.05%
Min Revenue beat(2)2.83%
Max Revenue beat(2)23.26%
Revenue beat(4)3
Avg Revenue beat(4)9.43%
Min Revenue beat(4)-0.35%
Max Revenue beat(4)23.26%
Revenue beat(8)5
Avg Revenue beat(8)6.02%
Revenue beat(12)9
Avg Revenue beat(12)7.28%
Revenue beat(16)13
Avg Revenue beat(16)8.54%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)7.1%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-0.24%
Revenue NY rev (3m)-3.31%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.05 | ||
| Fwd PE | 11.59 | ||
| P/S | 2.22 | ||
| P/FCF | 6.47 | ||
| P/OCF | 6.42 | ||
| P/B | 0.47 | ||
| P/tB | 0.47 | ||
| EV/EBITDA | N/A |
EPS(TTM)18.48
EY7.66%
EPS(NY)20.8
Fwd EY8.62%
FCF(TTM)37.28
FCFY15.46%
OCF(TTM)37.58
OCFY15.58%
SpS108.41
BVpS515.61
TBVpS515.61
PEG (NY)1.04
PEG (5Y)0.95
Graham Number463.03
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.45% | ||
| ROE | 3.78% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 17.99% | ||
| GM | N/A | ||
| FCFM | 34.39% |
ROA(3y)0.48%
ROA(5y)0.43%
ROE(3y)3.9%
ROE(5y)3.54%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y6%
PM growth 5Y3.63%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.3 | ||
| Debt/FCF | 31.85 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.27% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 191.13% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC5.59%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.12%
Cap/Sales(5y)0.38%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-0.38%
EPS 3Y15.83%
EPS 5Y13.8%
EPS Q2Q%2.91%
EPS Next Y12.52%
EPS Next 2Y6.55%
EPS Next 3Y6.18%
EPS Next 5YN/A
Revenue 1Y (TTM)6.62%
Revenue growth 3Y18.19%
Revenue growth 5Y13.09%
Sales Q2Q%10.51%
Revenue Next Year1.45%
Revenue Next 2Y5.63%
Revenue Next 3Y6.53%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y607.77%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y594.89%
OCF growth 3YN/A
OCF growth 5YN/A
AURSKOG SPAREBANK / AURG.OL FAQ
What is the fundamental rating for AURG stock?
ChartMill assigns a fundamental rating of 3 / 10 to AURG.OL.
Can you provide the valuation status for AURSKOG SPAREBANK?
ChartMill assigns a valuation rating of 4 / 10 to AURSKOG SPAREBANK (AURG.OL). This can be considered as Fairly Valued.
What is the profitability of AURG stock?
AURSKOG SPAREBANK (AURG.OL) has a profitability rating of 2 / 10.
Can you provide the PE and PB ratios for AURG stock?
The Price/Earnings (PE) ratio for AURSKOG SPAREBANK (AURG.OL) is 13.05 and the Price/Book (PB) ratio is 0.47.
What is the financial health of AURSKOG SPAREBANK (AURG.OL) stock?
The financial health rating of AURSKOG SPAREBANK (AURG.OL) is 1 / 10.