AURSKOG SPAREBANK (AURG.OL) Fundamental Analysis & Valuation

OSL:AURG • NO0006001601

Current stock price

256 NOK
-3.65 (-1.41%)
Last:

This AURG.OL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. AURG.OL Profitability Analysis

1.1 Basic Checks

  • AURG had positive earnings in the past year.
  • AURG had a negative operating cash flow in the past year.
  • In the past 5 years AURG has always been profitable.
  • AURG had a negative operating cash flow in each of the past 5 years.
AURG.OL Yearly Net Income VS EBIT VS OCF VS FCFAURG.OL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -200M -400M -600M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.45%, AURG is doing worse than 76.42% of the companies in the same industry.
  • With a Return On Equity value of 3.72%, AURG is not doing good in the industry: 77.36% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.45%
ROE 3.72%
ROIC N/A
ROA(3y)0.48%
ROA(5y)0.45%
ROE(3y)3.89%
ROE(5y)3.69%
ROIC(3y)N/A
ROIC(5y)N/A
AURG.OL Yearly ROA, ROE, ROICAURG.OL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3 4

1.3 Margins

  • AURG has a worse Profit Margin (17.81%) than 70.75% of its industry peers.
  • AURG's Profit Margin has improved in the last couple of years.
  • AURG does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 17.81%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.26%
PM growth 5Y2.48%
GM growth 3YN/A
GM growth 5YN/A
AURG.OL Yearly Profit, Operating, Gross MarginsAURG.OL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

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0

2. AURG.OL Health Analysis

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.
  • The debt/assets ratio for AURG is higher compared to a year ago.
AURG.OL Yearly Shares OutstandingAURG.OL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1M 2M 3M 4M
AURG.OL Yearly Total Debt VS Total AssetsAURG.OL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

2.2 Solvency

  • A Debt/Equity ratio of 2.43 is on the high side and indicates that AURG has dependencies on debt financing.
  • With a Debt to Equity ratio value of 2.43, AURG is not doing good in the industry: 63.21% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 2.43
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.86%
AURG.OL Yearly LT Debt VS Equity VS FCFAURG.OL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B 4B 6B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
AURG.OL Yearly Current Assets VS Current LiabilitesAURG.OL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2023 2024 2025 0 0 0 0 0

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. AURG.OL Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 7.18% over the past year.
  • The Earnings Per Share has been growing by 14.72% on average over the past years. This is quite good.
  • AURG shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.94%.
  • Measured over the past years, AURG shows a quite strong growth in Revenue. The Revenue has been growing by 15.23% on average per year.
EPS 1Y (TTM)7.18%
EPS 3Y10.86%
EPS 5Y14.72%
EPS Q2Q%23.72%
Revenue 1Y (TTM)9.94%
Revenue growth 3Y13.68%
Revenue growth 5Y15.23%
Sales Q2Q%7.38%

3.2 Future

  • The Earnings Per Share is expected to grow by 6.02% on average over the next years.
  • The Revenue is expected to grow by 8.36% on average over the next years. This is quite good.
EPS Next Y4.15%
EPS Next 2Y6.02%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.86%
Revenue Next 2Y8.36%
Revenue Next 3YN/A
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.
AURG.OL Yearly Revenue VS EstimatesAURG.OL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M 400M 500M
AURG.OL Yearly EPS VS EstimatesAURG.OL Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5 10 15 20

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2

4. AURG.OL Valuation Analysis

4.1 Price/Earnings Ratio

  • AURG is valuated correctly with a Price/Earnings ratio of 13.03.
  • 76.42% of the companies in the same industry are cheaper than AURG, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 27.89. AURG is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 12.52, AURG is valued correctly.
  • Based on the Price/Forward Earnings ratio, AURG is valued a bit more expensive than 67.92% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of AURG to the average of the S&P500 Index (38.50), we can say AURG is valued rather cheaply.
Industry RankSector Rank
PE 13.03
Fwd PE 12.52
AURG.OL Price Earnings VS Forward Price EarningsAURG.OL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
AURG.OL Per share dataAURG.OL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 200 400

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)3.14
PEG (5Y)0.89
EPS Next 2Y6.02%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. AURG.OL Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 6.55%, AURG is a good candidate for dividend investing.
  • AURG's Dividend Yield is rather good when compared to the industry average which is at 4.47. AURG pays more dividend than 84.91% of the companies in the same industry.
  • AURG's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 6.55%

5.2 History

  • The dividend of AURG is nicely growing with an annual growth rate of 11.13%!
Dividend Growth(5Y)11.13%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • AURG pays out 73.05% of its income as dividend. This is not a sustainable payout ratio.
  • AURG's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP73.05%
EPS Next 2Y6.02%
EPS Next 3YN/A
AURG.OL Yearly Income VS Free CF VS DividendAURG.OL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -200M -400M -600M
AURG.OL Dividend Payout.AURG.OL Dividend Payout, showing the Payout Ratio.AURG.OL Dividend Payout.PayoutRetained Earnings

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AURG.OL Fundamentals: All Metrics, Ratios and Statistics

AURSKOG SPAREBANK

OSL:AURG (4/17/2026, 7:00:00 PM)

256

-3.65 (-1.41%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-11
Earnings (Next)05-13
Inst Owners5.36%
Inst Owner ChangeN/A
Ins Owners13.46%
Ins Owner ChangeN/A
Market Cap1.18B
Revenue(TTM)532.98M
Net Income(TTM)94.92M
Analysts37.78
Price Target209.1 (-18.32%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.55%
Yearly Dividend15
Dividend Growth(5Y)11.13%
DP73.05%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)4.08%
Min EPS beat(2)0.84%
Max EPS beat(2)7.32%
EPS beat(4)2
Avg EPS beat(4)0.87%
Min EPS beat(4)-2.9%
Max EPS beat(4)7.32%
EPS beat(8)2
Avg EPS beat(8)-3.24%
EPS beat(12)3
Avg EPS beat(12)-3.58%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)2.01%
Min Revenue beat(2)-0.79%
Max Revenue beat(2)4.82%
Revenue beat(4)3
Avg Revenue beat(4)7.53%
Min Revenue beat(4)-0.79%
Max Revenue beat(4)23.26%
Revenue beat(8)5
Avg Revenue beat(8)6.39%
Revenue beat(12)8
Avg Revenue beat(12)6.15%
Revenue beat(16)12
Avg Revenue beat(16)7.53%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-1.67%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-4.09%
Valuation
Industry RankSector Rank
PE 13.03
Fwd PE 12.52
P/S 2.22
P/FCF N/A
P/OCF N/A
P/B 0.46
P/tB 0.46
EV/EBITDA N/A
EPS(TTM)19.64
EY7.67%
EPS(NY)20.45
Fwd EY7.99%
FCF(TTM)-113.68
FCFYN/A
OCF(TTM)-112.84
OCFYN/A
SpS115.36
BVpS552.98
TBVpS552.98
PEG (NY)3.14
PEG (5Y)0.89
Graham Number494.33 (93.1%)
Profitability
Industry RankSector Rank
ROA 0.45%
ROE 3.72%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 17.81%
GM N/A
FCFM N/A
ROA(3y)0.48%
ROA(5y)0.45%
ROE(3y)3.89%
ROE(5y)3.69%
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 3Y-3.26%
PM growth 5Y2.48%
GM growth 3YN/A
GM growth 5YN/A
F-Score1
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 2.43
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.72%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score1
WACC5.86%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.33%
Cap/Sales(5y)0.43%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)7.18%
EPS 3Y10.86%
EPS 5Y14.72%
EPS Q2Q%23.72%
EPS Next Y4.15%
EPS Next 2Y6.02%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)9.94%
Revenue growth 3Y13.68%
Revenue growth 5Y15.23%
Sales Q2Q%7.38%
Revenue Next Year6.86%
Revenue Next 2Y8.36%
Revenue Next 3YN/A
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 1Y29.52%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y29.97%
OCF growth 3YN/A
OCF growth 5YN/A

AURSKOG SPAREBANK / AURG.OL Fundamental Analysis FAQ

What is the fundamental rating for AURG stock?

ChartMill assigns a fundamental rating of 2 / 10 to AURG.OL.


What is the valuation status for AURG stock?

ChartMill assigns a valuation rating of 2 / 10 to AURSKOG SPAREBANK (AURG.OL). This can be considered as Overvalued.


How profitable is AURSKOG SPAREBANK (AURG.OL) 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 13.03 and the Price/Book (PB) ratio is 0.46.


What is the expected EPS growth for AURSKOG SPAREBANK (AURG.OL) stock?

The Earnings per Share (EPS) of AURSKOG SPAREBANK (AURG.OL) is expected to grow by 4.15% in the next year.