B2 IMPACT ASA (B2I.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:B2I - NO0010633951 - Common Stock
16.94 NOK
+0.06 (+0.36%)
We assign a fundamental rating of 6 out of 10 to B2I. B2I was compared to 10 industry peers in the Consumer Finance industry. Both the profitability and the financial health of B2I get a neutral evaluation. Nothing too spectacular is happening here. B2I may be a bit undervalued, certainly considering the very reasonable score on growth B2I also has an excellent dividend rating. With these ratings, B2I could be worth investigating further for value and dividend investing!.
1. Profitability
1.1 Basic Checks
In the past year B2I was profitable.
B2I had a positive operating cash flow in the past year.
B2I had positive earnings in each of the past 5 years.
B2I had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
B2I has a Return On Assets of 1.63%. This is comparable to the rest of the industry: B2I outperforms 50.00% of its industry peers.
B2I has a Return On Equity of 5.09%. This is in the lower half of the industry: B2I underperforms 60.00% of its industry peers.
B2I has a better Return On Invested Capital (5.78%) than 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 4.39%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.63% | ||
| ROE | 5.09% | ||
| ROIC | 5.78% |
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 has a Profit Margin (8.25%) which is comparable to the rest of the industry.
B2I's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 35.82%, B2I belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
In the last couple of years the Operating Margin of B2I has grown nicely.
Looking at the Gross Margin, with a value of 53.12%, 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 | 35.82% | ||
| PM (TTM) | 8.25% | ||
| GM | 53.12% |
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.
B2I has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, B2I has less shares outstanding
B2I has a better debt/assets ratio than last year.
2.2 Solvency
B2I has a debt to FCF ratio of 2.56. This is a good value and a sign of high solvency as B2I would need 2.56 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 2.56, B2I belongs to the top of the industry, outperforming 90.00% of the companies in the same industry.
A Debt/Equity ratio of 1.87 is on the high side and indicates that B2I has dependencies on debt financing.
B2I has a Debt to Equity ratio (1.87) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.87 | ||
| Debt/FCF | 2.56 | ||
| Altman-Z | N/A |
ROIC/WACC0.59
WACC9.84%
2.3 Liquidity
B2I has a Current Ratio of 2.52. This indicates that B2I is financially healthy and has no problem in meeting its short term obligations.
B2I has a Current ratio of 2.52. This is amongst the best in the industry. B2I outperforms 100.00% of its industry peers.
B2I has a Quick Ratio of 2.52. This indicates that B2I is financially healthy and has no problem in meeting its short term obligations.
B2I's Quick ratio of 2.52 is amongst the best of the industry. B2I outperforms 100.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.52 | ||
| Quick Ratio | 2.52 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 51.72% over the past year.
B2I shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 22.67% yearly.
The Revenue for B2I has decreased by -11.17% in the past year. This is quite bad
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)-11.17%
Revenue growth 3Y3.97%
Revenue growth 5Y4.1%
Sales Q2Q%13.21%
3.2 Future
B2I is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 39.77% yearly.
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 3Y39.77%
EPS Next 5YN/A
Revenue Next Year4.45%
Revenue Next 2Y1.83%
Revenue Next 3Y3.19%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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 12.83, B2I is valued correctly.
Based on the Price/Earnings ratio, B2I is valued a bit cheaper than 80.00% of the companies in the same industry.
B2I is valuated cheaply when we compare the Price/Earnings ratio to 26.38, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 8.99 indicates a reasonable valuation of B2I.
Based on the Price/Forward Earnings ratio, B2I is valued a bit cheaper than 70.00% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.83. B2I is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.83 | ||
| Fwd PE | 8.99 |
4.2 Price Multiples
B2I's Price/Free Cash Flow ratio is rather cheap when compared to the industry. B2I is cheaper than 90.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.57 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The 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.
B2I's earnings are expected to grow with 39.77% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.09
PEG (5Y)0.57
EPS Next 2Y58.48%
EPS Next 3Y39.77%
5. Dividend
5.1 Amount
B2I has a Yearly Dividend Yield of 8.90%, which is a nice return.
B2I's Dividend Yield is rather good when compared to the industry average which is at 1.80. B2I pays more dividend than 100.00% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 1.87, B2I pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.9% |
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 278.42% of its income as dividend. This is not a sustainable payout ratio.
B2I's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP278.42%
EPS Next 2Y58.48%
EPS Next 3Y39.77%
OSL:B2I (12/19/2025, 7:00:00 PM)
16.94
+0.06 (+0.36%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners20.33%
Inst Owner ChangeN/A
Ins Owners0.83%
Ins Owner ChangeN/A
Market Cap6.26B
Revenue(TTM)3.44B
Net Income(TTM)278.00M
Analysts82.5
Price Target18.92 (11.69%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.9% |
Yearly Dividend1.3
Dividend Growth(5Y)32.9%
DP278.42%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)19.26%
Min EPS beat(2)-9.99%
Max EPS beat(2)48.51%
EPS beat(4)1
Avg EPS beat(4)-74.23%
Min EPS beat(4)-252.32%
Max EPS beat(4)48.51%
EPS beat(8)2
Avg EPS beat(8)-38.32%
EPS beat(12)5
Avg EPS beat(12)-21.48%
EPS beat(16)6
Avg EPS beat(16)-21.89%
Revenue beat(2)2
Avg Revenue beat(2)4.73%
Min Revenue beat(2)1.09%
Max Revenue beat(2)8.38%
Revenue beat(4)3
Avg Revenue beat(4)1.1%
Min Revenue beat(4)-6.16%
Max Revenue beat(4)8.38%
Revenue beat(8)5
Avg Revenue beat(8)2.51%
Revenue beat(12)9
Avg Revenue beat(12)3.67%
Revenue beat(16)11
Avg Revenue beat(16)2.18%
PT rev (1m)-0.13%
PT rev (3m)-0.13%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-1.6%
EPS NY rev (3m)16.59%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.25%
Revenue NY rev (3m)0.25%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.83 | ||
| Fwd PE | 8.99 | ||
| P/S | 1.86 | ||
| P/FCF | 1.57 | ||
| P/OCF | 1.55 | ||
| P/B | 1.15 | ||
| P/tB | 1.35 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.32
EY7.79%
EPS(NY)1.88
Fwd EY11.12%
FCF(TTM)10.81
FCFY63.8%
OCF(TTM)10.92
OCFY64.47%
SpS9.11
BVpS14.76
TBVpS12.57
PEG (NY)0.09
PEG (5Y)0.57
Graham Number20.94
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.63% | ||
| ROE | 5.09% | ||
| ROCE | 7.48% | ||
| ROIC | 5.78% | ||
| ROICexc | 6.52% | ||
| ROICexgc | 6.91% | ||
| OM | 35.82% | ||
| PM (TTM) | 8.25% | ||
| GM | 53.12% | ||
| FCFM | 118.58% |
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-Score3
Asset Turnover0.2
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.87 | ||
| Debt/FCF | 2.56 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 1.25% | ||
| Interest Coverage | 1.46 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 1437.41% | ||
| Current Ratio | 2.52 | ||
| Quick Ratio | 2.52 | ||
| Altman-Z | N/A |
F-Score3
WACC9.84%
ROIC/WACC0.59
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 3Y39.77%
EPS Next 5YN/A
Revenue 1Y (TTM)-11.17%
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-14.09%
EBIT growth 3Y11.23%
EBIT growth 5Y12.6%
EBIT Next Year11.85%
EBIT Next 3Y5.1%
EBIT Next 5YN/A
FCF growth 1Y14.2%
FCF growth 3Y2.53%
FCF growth 5Y0.92%
OCF growth 1Y14.72%
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 6 / 10 to B2I.OL.
Can you provide the valuation status for B2 IMPACT ASA?
ChartMill assigns a valuation rating of 8 / 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 6 / 10.
Can you provide the expected EPS growth for B2I stock?
The Earnings per Share (EPS) of B2 IMPACT ASA (B2I.OL) is expected to grow by 148.46% in the next year.
Is the dividend of B2 IMPACT ASA sustainable?
The dividend rating of B2 IMPACT ASA (B2I.OL) is 7 / 10 and the dividend payout ratio is 278.42%.