B2 IMPACT ASA (B2I.OL) Stock Fundamental Analysis
Europe - OSL:B2I - NO0010633951 - Common Stock
17.62 NOK
+0.02 (+0.11%)
We assign a fundamental rating of 6 out of 10 to B2I. B2I was compared to 8 industry peers in the Consumer Finance industry. While B2I has a great profitability rating, there are some minor concerns on its financial health. B2I has a correct valuation and a medium growth rate. B2I also has an excellent dividend rating. These ratings could make B2I a good candidate for dividend investing.
1. Profitability
1.1 Basic Checks
B2I had positive earnings in the past year.
B2I had a positive operating cash flow in the past year.
In the past 5 years B2I has always been profitable.
B2I had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
B2I has a better Return On Assets (1.63%) than 62.50% of its industry peers.
B2I's Return On Equity of 5.09% is in line compared to the rest of the industry. B2I outperforms 50.00% of its industry peers.
Looking at the Return On Invested Capital, with a value of 5.78%, B2I belongs to the top of the industry, outperforming 87.50% of the companies in the same industry.
B2I had an Average Return On Invested Capital over the past 3 years of 8.16%. This is above the industry average of 4.44%.
| 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
With a decent Profit Margin value of 8.25%, B2I is doing good in the industry, outperforming 62.50% of the companies in the same industry.
B2I's Profit Margin has improved in the last couple of years.
B2I's Operating Margin of 35.82% is amongst the best of the industry. B2I outperforms 100.00% of its industry peers.
B2I's Operating Margin has improved in the last couple of years.
With a Gross Margin value of 53.12%, B2I perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
In the last couple of years the Gross Margin of B2I has grown nicely.
| 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.
The number of shares outstanding for B2I remains at a similar level compared to 1 year ago.
B2I has less shares outstanding than it did 5 years ago.
B2I has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of B2I is 2.56, which is a good value as it means it would take B2I, 2.56 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 2.56, B2I belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
B2I has a Debt/Equity ratio of 1.87. This is a high value indicating a heavy dependency on external financing.
B2I has a Debt to Equity ratio of 1.87. This is comparable to the rest of the industry: B2I outperforms 50.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.87 | ||
| Debt/FCF | 2.56 | ||
| Altman-Z | N/A |
ROIC/WACC0.66
WACC8.8%
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.
Looking at the Current ratio, with a value of 2.52, B2I belongs to the top of the industry, outperforming 87.50% of the companies in the same industry.
A Quick Ratio of 2.52 indicates that B2I has no problem at all paying its short term obligations.
B2I has a Quick ratio of 2.52. This is amongst the best in the industry. B2I outperforms 87.50% 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 for B2I have decreased strongly by -36.97% in the last year.
Measured over the past years, B2I shows a very strong growth in Earnings Per Share. The EPS has been growing by 22.67% on average per year.
Looking at the last year, B2I shows a very negative growth in Revenue. The Revenue has decreased by -11.29% in the last year.
Measured over the past years, B2I shows a small growth in Revenue. The Revenue has been growing by 4.10% on average per year.
EPS 1Y (TTM)-36.97%
EPS 3Y-18.59%
EPS 5Y22.67%
EPS Q2Q%-15.38%
Revenue 1Y (TTM)-11.29%
Revenue growth 3Y3.97%
Revenue growth 5Y4.1%
Sales Q2Q%-8.72%
3.2 Future
The Earnings Per Share is expected to grow by 41.47% on average over the next years. This is a very strong growth
Based on estimates for the next years, B2I will show a small growth in Revenue. The Revenue will grow by 3.32% on average per year.
EPS Next Y152.5%
EPS Next 2Y59.22%
EPS Next 3Y41.47%
EPS Next 5YN/A
Revenue Next Year4.19%
Revenue Next 2Y2%
Revenue Next 3Y3.32%
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 stable.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 23.49 indicates a rather expensive valuation of B2I.
Based on the Price/Earnings ratio, B2I is valued a bit cheaper than the industry average as 62.50% of the companies are valued more expensively.
B2I's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 27.86.
Based on the Price/Forward Earnings ratio of 9.27, the valuation of B2I can be described as reasonable.
B2I's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. B2I is cheaper than 75.00% of the companies in the same industry.
B2I's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.49 | ||
| Fwd PE | 9.27 |
4.2 Price Multiples
75.00% of the companies in the same industry are more expensive than B2I, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.63 | ||
| 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.
The decent profitability rating of B2I may justify a higher PE ratio.
A more expensive valuation may be justified as B2I's earnings are expected to grow with 41.47% in the coming years.
PEG (NY)0.15
PEG (5Y)1.04
EPS Next 2Y59.22%
EPS Next 3Y41.47%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 8.52%, B2I is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 2.99, B2I pays a better dividend. On top of this B2I pays more dividend than 100.00% of the companies listed in the same industry.
B2I's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.52% |
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.
The dividend of B2I is growing, but earnings are growing more, so the dividend growth is sustainable.
DP278.42%
EPS Next 2Y59.22%
EPS Next 3Y41.47%
OSL:B2I (10/3/2025, 7:00:00 PM)
17.62
+0.02 (+0.11%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners20%
Inst Owner ChangeN/A
Ins Owners1.45%
Ins Owner ChangeN/A
Market Cap6.51B
Analysts82.5
Price Target18.95 (7.55%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.52% |
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)18.88%
PT rev (3m)35.83%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)18.48%
EPS NY rev (3m)23.76%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)7.05%
Revenue NY rev (3m)8.72%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.49 | ||
| Fwd PE | 9.27 | ||
| P/S | 1.93 | ||
| P/FCF | 1.63 | ||
| P/OCF | 1.61 | ||
| P/B | 1.19 | ||
| P/tB | 1.4 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.75
EY4.26%
EPS(NY)1.9
Fwd EY10.79%
FCF(TTM)10.81
FCFY61.34%
OCF(TTM)10.92
OCFY61.98%
SpS9.11
BVpS14.76
TBVpS12.57
PEG (NY)0.15
PEG (5Y)1.04
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%
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 | 1.87 | ||
| 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
WACC8.8%
ROIC/WACC0.66
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)-36.97%
EPS 3Y-18.59%
EPS 5Y22.67%
EPS Q2Q%-15.38%
EPS Next Y152.5%
EPS Next 2Y59.22%
EPS Next 3Y41.47%
EPS Next 5YN/A
Revenue 1Y (TTM)-11.29%
Revenue growth 3Y3.97%
Revenue growth 5Y4.1%
Sales Q2Q%-8.72%
Revenue Next Year4.19%
Revenue Next 2Y2%
Revenue Next 3Y3.32%
Revenue Next 5YN/A
EBIT growth 1Y-14.09%
EBIT growth 3Y11.23%
EBIT growth 5Y12.6%
EBIT Next Year10.82%
EBIT Next 3Y5.53%
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%