B2 IMPACT ASA (B2I.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:B2I - NO0010633951 - Common Stock
20 NOK
-0.15 (-0.74%)
We assign a fundamental rating of 7 out of 10 to B2I. B2I was compared to 10 industry peers in the Consumer Finance industry. B2I scores excellent points on both the profitability and health parts. This is a solid base for a good stock. A decent growth rate in combination with a cheap valuation! Better keep an eye on B2I. B2I also has an excellent dividend rating. With these ratings, B2I could be worth investigating further for value and dividend and quality investing!.
1. Profitability
1.1 Basic Checks
- In the past year B2I was profitable.
- In the past year B2I had a positive cash flow from operations.
- Each year in the past 5 years B2I has been profitable.
- B2I had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- B2I's Return On Assets of 2.96% is in line compared to the rest of the industry. B2I outperforms 60.00% of its industry peers.
- With a Return On Equity value of 8.79%, B2I perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
- B2I's Return On Invested Capital of 6.55% is amongst the best of the industry. B2I outperforms 90.00% of its industry peers.
- B2I had an Average Return On Invested Capital over the past 3 years of 8.16%. This is above the industry average of 4.52%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.96% | ||
| ROE | 8.79% | ||
| ROIC | 6.55% |
ROA(3y)1.9%
ROA(5y)2.25%
ROE(3y)5.89%
ROE(5y)7.14%
ROIC(3y)8.16%
ROIC(5y)7.6%
1.3 Margins
- B2I's Profit Margin of 14.02% is fine compared to the rest of the industry. B2I outperforms 80.00% of its industry peers.
- In the last couple of years the Profit Margin of B2I has grown nicely.
- B2I has a Operating Margin of 38.22%. This is amongst the best in the industry. B2I outperforms 100.00% of its industry peers.
- B2I's Operating Margin has improved in the last couple of years.
- Looking at the Gross Margin, with a value of 55.13%, B2I is doing worse than 60.00% of the companies in the same industry.
- B2I's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 38.22% | ||
| PM (TTM) | 14.02% | ||
| GM | 55.13% |
OM growth 3Y6.98%
OM growth 5Y8.17%
PM growth 3Y-24.52%
PM growth 5Y16.24%
GM growth 3Y4.13%
GM growth 5Y4.45%
2. Health
2.1 Basic Checks
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so B2I is destroying value.
- Compared to 1 year ago, B2I has about the same amount of shares outstanding.
- The number of shares outstanding for B2I has been reduced compared to 5 years ago.
- The debt/assets ratio for B2I has been reduced compared to a year ago.
2.2 Solvency
- B2I has a debt to FCF ratio of 2.19. This is a good value and a sign of high solvency as B2I would need 2.19 years to pay back of all of its debts.
- Looking at the Debt to FCF ratio, with a value of 2.19, B2I belongs to the top of the industry, outperforming 90.00% of the companies in the same industry.
- B2I has a Debt/Equity ratio of 1.74. This is a high value indicating a heavy dependency on external financing.
- Looking at the Debt to Equity ratio, with a value of 1.74, B2I is in line with its industry, outperforming 60.00% of the companies in the same industry.
- Even though the debt/equity ratio score it not favorable for B2I, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.74 | ||
| Debt/FCF | 2.19 | ||
| Altman-Z | N/A |
ROIC/WACC0.67
WACC9.85%
2.3 Liquidity
- A Current Ratio of 2.10 indicates that B2I has no problem at all paying its short term obligations.
- B2I has a Current ratio of 2.10. This is amongst the best in the industry. B2I outperforms 100.00% of its industry peers.
- A Quick Ratio of 2.10 indicates that B2I has no problem at all paying its short term obligations.
- B2I's Quick ratio of 2.10 is amongst the best of the industry. B2I outperforms 100.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.1 | ||
| Quick Ratio | 2.1 |
3. Growth
3.1 Past
- B2I shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 51.72%, which is quite impressive.
- The Earnings Per Share has been growing by 22.67% on average over the past years. This is a very strong growth
- B2I shows a decrease in Revenue. In the last year, the revenue decreased by -5.42%.
- The Revenue has been growing slightly by 4.10% on average over the past years.
EPS 1Y (TTM)51.72%
EPS 3Y-18.59%
EPS 5Y22.67%
EPS Q2Q%285%
Revenue 1Y (TTM)-5.42%
Revenue growth 3Y3.97%
Revenue growth 5Y4.1%
Sales Q2Q%13.21%
3.2 Future
- Based on estimates for the next years, B2I will show a very strong growth in Earnings Per Share. The EPS will grow by 39.94% on average per year.
- The Revenue is expected to grow by 3.19% on average over the next years.
EPS Next Y148.46%
EPS Next 2Y58.48%
EPS Next 3Y39.94%
EPS Next 5YN/A
Revenue Next Year4.45%
Revenue Next 2Y1.83%
Revenue Next 3Y3.19%
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 accelerating.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 15.15, B2I is valued correctly.
- Compared to the rest of the industry, the Price/Earnings ratio of B2I indicates a somewhat cheap valuation: B2I is cheaper than 80.00% of the companies listed in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.32. B2I is valued slightly cheaper when compared to this.
- With a Price/Forward Earnings ratio of 10.62, the valuation of B2I can be described as very reasonable.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of B2I indicates a somewhat cheap valuation: B2I is cheaper than 70.00% of the companies listed in the same industry.
- When comparing the Price/Forward Earnings ratio of B2I to the average of the S&P500 Index (24.30), we can say B2I is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.15 | ||
| Fwd PE | 10.62 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, B2I is valued cheaply inside the industry as 90.00% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.67 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- B2I's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- B2I has a very decent profitability rating, which may justify a higher PE ratio.
- A more expensive valuation may be justified as B2I's earnings are expected to grow with 39.94% in the coming years.
PEG (NY)0.1
PEG (5Y)0.67
EPS Next 2Y58.48%
EPS Next 3Y39.94%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 7.55%, B2I is a good candidate for dividend investing.
- B2I's Dividend Yield is rather good when compared to the industry average which is at 1.51. B2I pays more dividend than 100.00% of the companies in the same industry.
- B2I's Dividend Yield is rather good when compared to the S&P500 average which is at 1.86.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.55% |
5.2 History
- The dividend of B2I is nicely growing with an annual growth rate of 32.90%!
Dividend Growth(5Y)32.9%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
- B2I pays out 158.28% of its income as dividend. This is not a sustainable payout ratio.
- The dividend of B2I is growing, but earnings are growing more, so the dividend growth is sustainable.
DP158.28%
EPS Next 2Y58.48%
EPS Next 3Y39.94%
OSL:B2I (1/21/2026, 4:19:47 PM)
20
-0.15 (-0.74%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-06 2025-11-06/bmo
Earnings (Next)02-12 2026-02-12/amc
Inst Owners20.46%
Inst Owner ChangeN/A
Ins Owners0.84%
Ins Owner ChangeN/A
Market Cap7.39B
Revenue(TTM)3.49B
Net Income(TTM)489.00M
Analysts82.5
Price Target18.92 (-5.4%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.55% |
Yearly Dividend1.3
Dividend Growth(5Y)32.9%
DP158.28%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)14.96%
Min EPS beat(2)-18.59%
Max EPS beat(2)48.51%
EPS beat(4)1
Avg EPS beat(4)-15.8%
Min EPS beat(4)-83.12%
Max EPS beat(4)48.51%
EPS beat(8)2
Avg EPS beat(8)-33.35%
EPS beat(12)4
Avg EPS beat(12)-24.71%
EPS beat(16)5
Avg EPS beat(16)-23.8%
Revenue beat(2)2
Avg Revenue beat(2)6.31%
Min Revenue beat(2)4.24%
Max Revenue beat(2)8.38%
Revenue beat(4)3
Avg Revenue beat(4)1.89%
Min Revenue beat(4)-6.16%
Max Revenue beat(4)8.38%
Revenue beat(8)6
Avg Revenue beat(8)3.16%
Revenue beat(12)9
Avg Revenue beat(12)3.56%
Revenue beat(16)12
Avg Revenue beat(16)2.49%
PT rev (1m)0%
PT rev (3m)-0.13%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.6%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.25%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.15 | ||
| Fwd PE | 10.62 | ||
| P/S | 2.12 | ||
| P/FCF | 1.67 | ||
| P/OCF | 1.65 | ||
| P/B | 1.33 | ||
| P/tB | 1.55 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.32
EY6.6%
EPS(NY)1.88
Fwd EY9.42%
FCF(TTM)11.98
FCFY59.88%
OCF(TTM)12.09
OCFY60.44%
SpS9.43
BVpS15.05
TBVpS12.88
PEG (NY)0.1
PEG (5Y)0.67
Graham Number21.14
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.96% | ||
| ROE | 8.79% | ||
| ROCE | 8.53% | ||
| ROIC | 6.55% | ||
| ROICexc | 7.16% | ||
| ROICexgc | 7.59% | ||
| OM | 38.22% | ||
| PM (TTM) | 14.02% | ||
| GM | 55.13% | ||
| FCFM | 126.95% |
ROA(3y)1.9%
ROA(5y)2.25%
ROE(3y)5.89%
ROE(5y)7.14%
ROIC(3y)8.16%
ROIC(5y)7.6%
ROICexc(3y)8.98%
ROICexc(5y)8.44%
ROICexgc(3y)9.61%
ROICexgc(5y)9.07%
ROCE(3y)10.65%
ROCE(5y)9.93%
ROICexgc growth 3Y-0.15%
ROICexgc growth 5Y11.94%
ROICexc growth 3Y0.67%
ROICexc growth 5Y12%
OM growth 3Y6.98%
OM growth 5Y8.17%
PM growth 3Y-24.52%
PM growth 5Y16.24%
GM growth 3Y4.13%
GM growth 5Y4.45%
F-Score5
Asset Turnover0.21
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.74 | ||
| Debt/FCF | 2.19 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 1.18% | ||
| Interest Coverage | 1.76 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 905.52% | ||
| Current Ratio | 2.1 | ||
| Quick Ratio | 2.1 | ||
| Altman-Z | N/A |
F-Score5
WACC9.85%
ROIC/WACC0.67
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)1.17%
Cap/Sales(5y)1.32%
Profit Quality(3y)1154.43%
Profit Quality(5y)1017%
High Growth Momentum
Growth
EPS 1Y (TTM)51.72%
EPS 3Y-18.59%
EPS 5Y22.67%
EPS Q2Q%285%
EPS Next Y148.46%
EPS Next 2Y58.48%
EPS Next 3Y39.94%
EPS Next 5YN/A
Revenue 1Y (TTM)-5.42%
Revenue growth 3Y3.97%
Revenue growth 5Y4.1%
Sales Q2Q%13.21%
Revenue Next Year4.45%
Revenue Next 2Y1.83%
Revenue Next 3Y3.19%
Revenue Next 5YN/A
EBIT growth 1Y-7.49%
EBIT growth 3Y11.23%
EBIT growth 5Y12.6%
EBIT Next Year14.69%
EBIT Next 3Y5.1%
EBIT Next 5YN/A
FCF growth 1Y27.42%
FCF growth 3Y2.53%
FCF growth 5Y0.92%
OCF growth 1Y26.14%
OCF growth 3Y2.35%
OCF growth 5Y0.81%
B2 IMPACT ASA / B2I.OL FAQ
What is the fundamental rating for B2I stock?
ChartMill assigns a fundamental rating of 7 / 10 to B2I.OL.
What is the valuation status of B2 IMPACT ASA (B2I.OL) stock?
ChartMill assigns a valuation rating of 7 / 10 to B2 IMPACT ASA (B2I.OL). This can be considered as Undervalued.
Can you provide the profitability details for B2 IMPACT ASA?
B2 IMPACT ASA (B2I.OL) has a profitability rating of 7 / 10.
Can you provide the financial health for B2I stock?
The financial health rating of B2 IMPACT ASA (B2I.OL) is 7 / 10.
Can you provide the dividend sustainability for B2I stock?
The dividend rating of B2 IMPACT ASA (B2I.OL) is 7 / 10 and the dividend payout ratio is 158.28%.