B2 IMPACT ASA (B2I.OL) Stock Fundamental Analysis
OSL:B2I - Euronext Oslo - NO0010633951 - Common Stock - Currency: NOK
Overall B2I gets a fundamental rating of 6 out of 10. We evaluated B2I against 7 industry peers in the Consumer Finance industry. Both the health and profitability get an excellent rating, making B2I a very profitable company, without any liquidiy or solvency issues. B2I may be a bit undervalued, certainly considering the very reasonable score on growth Finally 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
B2I had positive earnings in the past year.
In the past year B2I had a positive cash flow from operations.
Each year in the past 5 years B2I has been profitable.
In the past 5 years B2I always reported a positive cash flow from operatings.
1.2 Ratios
B2I's Return On Assets of 1.81% is fine compared to the rest of the industry. B2I outperforms 71.43% of its industry peers.
With a Return On Equity value of 5.47%, B2I perfoms like the industry average, outperforming 42.86% of the companies in the same industry.
B2I has a better Return On Invested Capital (6.13%) than 85.71% 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 4.95%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.81% | ||
| ROE | 5.47% | ||
| ROIC | 6.13% |
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 (9.00%) which is comparable to the rest of the industry.
B2I's Profit Margin has improved in the last couple of years.
B2I's Operating Margin of 36.64% is amongst the best of the industry. B2I outperforms 100.00% of its industry peers.
In the last couple of years the Operating Margin of B2I has grown nicely.
With a Gross Margin value of 53.43%, B2I perfoms like the industry average, outperforming 42.86% of the companies in the same industry.
B2I's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 36.64% | ||
| PM (TTM) | 9% | ||
| GM | 53.43% |
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 just above the Cost of Capital (WACC), so B2I is still creating some value.
The number of shares outstanding for B2I remains at a similar level compared to 1 year ago.
Compared to 5 years ago, B2I has less shares outstanding
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 2.57. This is a good value and a sign of high solvency as B2I would need 2.57 years to pay back of all of its debts.
The Debt to FCF ratio of B2I (2.57) is better than 85.71% of its industry peers.
B2I has a Debt/Equity ratio of 1.73. This is a high value indicating a heavy dependency on external financing.
B2I has a Debt to Equity ratio of 1.73. This is comparable to the rest of the industry: B2I outperforms 57.14% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.73 | ||
| Debt/FCF | 2.57 | ||
| Altman-Z | N/A |
ROIC/WACC0.76
WACC8.11%
2.3 Liquidity
B2I has a Current Ratio of 2.44. This indicates that B2I is financially healthy and has no problem in meeting its short term obligations.
B2I has a better Current ratio (2.44) than 100.00% of its industry peers.
A Quick Ratio of 2.44 indicates that B2I has no problem at all paying its short term obligations.
B2I has a better Quick ratio (2.44) than 100.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.44 | ||
| Quick Ratio | 2.44 |
3. Growth
3.1 Past
B2I shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -11.46%.
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 -8.98%.
B2I shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.10% yearly.
EPS 1Y (TTM)-11.46%
EPS 3Y-18.59%
EPS 5Y22.67%
EPS Q2Q%40%
Revenue 1Y (TTM)-8.98%
Revenue growth 3Y3.97%
Revenue growth 5Y4.1%
Sales Q2Q%1.81%
3.2 Future
The Earnings Per Share is expected to grow by 38.08% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 0.79% on average over the next years.
EPS Next Y104.02%
EPS Next 2Y46.79%
EPS Next 3Y38.08%
EPS Next 5YN/A
Revenue Next Year-4.16%
Revenue Next 2Y-0.03%
Revenue Next 3Y0.79%
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
A Price/Earnings ratio of 18.35 indicates a rather expensive valuation of B2I.
71.43% of the companies in the same industry are more expensive than B2I, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of B2I to the average of the S&P500 Index (27.51), we can say B2I is valued slightly cheaper.
A Price/Forward Earnings ratio of 9.65 indicates a reasonable valuation of B2I.
Compared to the rest of the industry, the Price/Forward Earnings ratio of B2I indicates a somewhat cheap valuation: B2I is cheaper than 71.43% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 35.58. B2I is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.35 | ||
| Fwd PE | 9.65 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, B2I is valued cheaper than 85.71% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.5 | ||
| 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 38.08% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.18
PEG (5Y)0.81
EPS Next 2Y46.79%
EPS Next 3Y38.08%
5. Dividend
5.1 Amount
B2I has a Yearly Dividend Yield of 9.72%, which is a nice return.
Compared to an average industry Dividend Yield of 3.05, B2I pays a better dividend. On top of this B2I pays more dividend than 100.00% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.35, B2I pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.72% |
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 154.02% of its income as dividend. This is not a sustainable payout ratio.
B2I's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP154.02%
EPS Next 2Y46.79%
EPS Next 3Y38.08%
OSL:B2I (7/15/2025, 4:19:54 PM)
15.6
+0.02 (+0.13%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners20.72%
Inst Owner ChangeN/A
Ins Owners1.46%
Ins Owner ChangeN/A
Market Cap5.75B
Analysts80
Price Target13.95 (-10.58%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.72% |
Yearly Dividend1.3
Dividend Growth(5Y)32.9%
DP154.02%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-46.56%
Min EPS beat(2)-83.12%
Max EPS beat(2)-9.99%
EPS beat(4)1
Avg EPS beat(4)-69.57%
Min EPS beat(4)-252.32%
Max EPS beat(4)67.16%
EPS beat(8)2
Avg EPS beat(8)-36.09%
EPS beat(12)4
Avg EPS beat(12)-31.78%
EPS beat(16)6
Avg EPS beat(16)-22.07%
Revenue beat(2)1
Avg Revenue beat(2)-2.53%
Min Revenue beat(2)-6.16%
Max Revenue beat(2)1.09%
Revenue beat(4)3
Avg Revenue beat(4)3.04%
Min Revenue beat(4)-6.16%
Max Revenue beat(4)16.17%
Revenue beat(8)5
Avg Revenue beat(8)3.16%
Revenue beat(12)9
Avg Revenue beat(12)3.01%
Revenue beat(16)11
Avg Revenue beat(16)1.85%
PT rev (1m)0%
PT rev (3m)9.62%
EPS NQ rev (1m)-2.22%
EPS NQ rev (3m)-5.98%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.16%
Revenue NQ rev (1m)-1.2%
Revenue NQ rev (3m)-0.44%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.19%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.35 | ||
| Fwd PE | 9.65 | ||
| P/S | 1.66 | ||
| P/FCF | 1.5 | ||
| P/OCF | 1.49 | ||
| P/B | 1.01 | ||
| P/tB | 1.17 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.85
EY5.45%
EPS(NY)1.62
Fwd EY10.36%
FCF(TTM)10.37
FCFY66.45%
OCF(TTM)10.46
OCFY67.04%
SpS9.38
BVpS15.44
TBVpS13.32
PEG (NY)0.18
PEG (5Y)0.81
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.81% | ||
| ROE | 5.47% | ||
| ROCE | 7.9% | ||
| ROIC | 6.13% | ||
| ROICexc | 7.09% | ||
| ROICexgc | 7.52% | ||
| OM | 36.64% | ||
| PM (TTM) | 9% | ||
| GM | 53.43% | ||
| FCFM | 110.56% |
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%
ROICexcg growth 3Y-0.15%
ROICexcg 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 | 1.73 | ||
| Debt/FCF | 2.57 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.98% | ||
| Interest Coverage | 1.45 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 1228.3% | ||
| Current Ratio | 2.44 | ||
| Quick Ratio | 2.44 | ||
| Altman-Z | N/A |
F-Score3
WACC8.11%
ROIC/WACC0.76
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)-11.46%
EPS 3Y-18.59%
EPS 5Y22.67%
EPS Q2Q%40%
EPS Next Y104.02%
EPS Next 2Y46.79%
EPS Next 3Y38.08%
EPS Next 5YN/A
Revenue 1Y (TTM)-8.98%
Revenue growth 3Y3.97%
Revenue growth 5Y4.1%
Sales Q2Q%1.81%
Revenue Next Year-4.16%
Revenue Next 2Y-0.03%
Revenue Next 3Y0.79%
Revenue Next 5YN/A
EBIT growth 1Y-3.14%
EBIT growth 3Y11.23%
EBIT growth 5Y12.6%
EBIT Next Year-0.54%
EBIT Next 3Y2.44%
EBIT Next 5YN/A
FCF growth 1Y23.62%
FCF growth 3Y2.53%
FCF growth 5Y0.92%
OCF growth 1Y23.68%
OCF growth 3Y2.35%
OCF growth 5Y0.81%