AURSKOG SPAREBANK (AURG.OL) Stock Fundamental Analysis
Europe - OSL:AURG - NO0006001601 - Common Stock
237 NOK
-4.15 (-1.72%)
AURG gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 97 industry peers in the Banks industry. Both the profitability and financial health of AURG have multiple concerns. AURG has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
AURG had positive earnings in the past year.
In the past year AURG had a positive cash flow from operations.
AURG had positive earnings in each of the past 5 years.
In the past 5 years AURG reported 4 times negative operating cash flow.
1.2 Ratios
AURG's Return On Assets of 0.45% is on the low side compared to the rest of the industry. AURG is outperformed by 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
AURG has a worse Profit Margin (17.99%) than 61.86% of its industry peers.
In the last couple of years the Profit Margin of AURG has grown nicely.
The Operating Margin and Gross Margin are not available for AURG so they could not be analyzed.
| 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.
AURG has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, AURG has more shares outstanding
The debt/assets ratio for AURG is higher compared to a year ago.
2.2 Solvency
AURG has a debt to FCF ratio of 31.85. This is a negative value and a sign of low solvency as AURG would need 31.85 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 31.85, AURG is in the better half of the industry, outperforming 72.16% of the companies in the same industry.
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
WACC5.6%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for AURG have decreased by -0.38% in the last year.
Measured over the past years, AURG shows a quite strong growth in Earnings Per Share. The EPS has been growing by 13.80% on average per year.
The Revenue has been growing slightly by 6.62% in the past year.
AURG shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 13.09% yearly.
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
Based on the Price/Earnings ratio of 12.82, the valuation of AURG can be described as correct.
Compared to the rest of the industry, the Price/Earnings ratio of AURG indicates a slightly more expensive valuation: AURG is more expensive than 75.26% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.00, AURG is valued rather cheaply.
A Price/Forward Earnings ratio of 11.40 indicates a reasonable valuation of AURG.
64.95% of the companies in the same industry are cheaper than AURG, based on the Price/Forward Earnings ratio.
AURG is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.87, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.82 | ||
| Fwd PE | 11.4 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of AURG indicates a rather cheap valuation: AURG is cheaper than 80.41% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.36 | ||
| 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)1.02
PEG (5Y)0.93
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 2.31, AURG pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.24% |
5.2 History
On average, the dividend of AURG grows each year by 14.91%, which is quite nice.
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.
AURG's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP76.94%
EPS Next 2Y6.55%
EPS Next 3Y6.18%
OSL:AURG (10/28/2025, 7:00:00 PM)
237
-4.15 (-1.72%)
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 Cap1.09B
Revenue(TTM)500.88M
Net Income(TTM)90.12M
Analysts37.78
Price Target209.1 (-11.77%)
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 | 12.82 | ||
| Fwd PE | 11.4 | ||
| P/S | 2.19 | ||
| P/FCF | 6.36 | ||
| P/OCF | 6.31 | ||
| P/B | 0.46 | ||
| P/tB | 0.46 | ||
| EV/EBITDA | N/A |
EPS(TTM)18.48
EY7.8%
EPS(NY)20.8
Fwd EY8.78%
FCF(TTM)37.28
FCFY15.73%
OCF(TTM)37.58
OCFY15.86%
SpS108.41
BVpS515.61
TBVpS515.61
PEG (NY)1.02
PEG (5Y)0.93
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
WACC5.6%
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 12.82 and the Price/Book (PB) ratio is 0.46.
What is the financial health of AURSKOG SPAREBANK (AURG.OL) stock?
The financial health rating of AURSKOG SPAREBANK (AURG.OL) is 1 / 10.