B2 IMPACT ASA (B2I.OL) Stock Fundamental Analysis
OSL:B2I - Euronext Oslo - NO0010633951 - Common Stock - Currency: NOK
Overall B2I gets a fundamental rating of 7 out of 10. We evaluated B2I against 7 industry peers in the Consumer Finance industry. B2I gets an excellent profitability rating and is at the same time showing great financial health properties. B2I is valued quite cheap, while showing a decent growth score. This is a good combination! B2I also has an excellent dividend rating. These ratings would make B2I suitable 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.
B2I had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
B2I has a Return On Assets of 1.81%. This is comparable to the rest of the industry: B2I outperforms 57.14% of its industry peers.
B2I has a Return On Equity of 5.47%. This is comparable to the rest of the industry: B2I outperforms 42.86% of its industry peers.
With an excellent Return On Invested Capital value of 6.13%, B2I belongs to the best of the industry, outperforming 85.71% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for B2I is above the industry average of 4.72%.
| 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
Looking at the Profit Margin, with a value of 9.00%, B2I is in line with its industry, outperforming 57.14% of the companies in the same industry.
In the last couple of years the Profit Margin of B2I has grown nicely.
With an excellent Operating Margin value of 36.64%, B2I belongs to the best 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.
The Gross Margin of B2I (53.43%) is worse than 71.43% of its industry peers.
In the last couple of years the Gross Margin of B2I has grown nicely.
| 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
B2I has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is 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
The Debt to FCF ratio of B2I is 2.57, which is a good value as it means it would take B2I, 2.57 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of B2I (2.57) is better than 100.00% of its industry peers.
A Debt/Equity ratio of 1.73 is on the high side and indicates that B2I has dependencies on debt financing.
B2I's Debt to Equity ratio of 1.73 is fine compared to the rest of the industry. B2I outperforms 71.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.73 | ||
| Debt/FCF | 2.57 | ||
| Altman-Z | N/A |
ROIC/WACC0.78
WACC7.84%
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 Current ratio of 2.44. This is amongst the best in the industry. B2I outperforms 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.
With an excellent Quick ratio value of 2.44, B2I belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.44 | ||
| Quick Ratio | 2.44 |
3. Growth
3.1 Past
The earnings per share for B2I have decreased strongly by -11.46% 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.
B2I shows a decrease in Revenue. In the last year, the revenue decreased by -8.98%.
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)-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
Based on estimates for the next years, B2I will show a very strong growth in Earnings Per Share. The EPS will grow by 38.08% on average per year.
B2I is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.79% yearly.
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
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
The Price/Earnings ratio is 15.93, which indicates a correct valuation of B2I.
Based on the Price/Earnings ratio, B2I is valued cheaply inside the industry as 85.71% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 26.35. B2I is valued slightly cheaper when compared to this.
With a Price/Forward Earnings ratio of 8.38, the valuation of B2I can be described as very reasonable.
71.43% of the companies in the same industry are more expensive than B2I, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of B2I to the average of the S&P500 Index (22.19), we can say B2I is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.93 | ||
| Fwd PE | 8.38 |
4.2 Price Multiples
85.71% 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 | 1.31 | ||
| 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.
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 38.08% in the coming years.
PEG (NY)0.15
PEG (5Y)0.7
EPS Next 2Y46.79%
EPS Next 3Y38.08%
5. Dividend
5.1 Amount
B2I has a Yearly Dividend Yield of 11.24%, which is a nice return.
B2I's Dividend Yield is rather good when compared to the industry average which is at 3.38. 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 2.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 11.24% |
5.2 History
On average, the dividend of B2I grows each year by 32.90%, which is quite nice.
Dividend Growth(5Y)32.9%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
154.02% of the earnings are spent on dividend by B2I. This is not a sustainable payout ratio.
The dividend of B2I is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP154.02%
EPS Next 2Y46.79%
EPS Next 3Y38.08%
OSL:B2I (6/20/2025, 7:00:00 PM)
13.54
+0.2 (+1.5%)
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 Cap4.99B
Analysts80
Price Target13.95 (3.03%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 11.24% |
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)8.96%
PT rev (3m)9.62%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.85%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.35%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.77%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.19%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.93 | ||
| Fwd PE | 8.38 | ||
| P/S | 1.44 | ||
| P/FCF | 1.31 | ||
| P/OCF | 1.29 | ||
| P/B | 0.88 | ||
| P/tB | 1.02 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.85
EY6.28%
EPS(NY)1.62
Fwd EY11.94%
FCF(TTM)10.37
FCFY76.55%
OCF(TTM)10.46
OCFY77.24%
SpS9.38
BVpS15.44
TBVpS13.32
PEG (NY)0.15
PEG (5Y)0.7
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
WACC7.84%
ROIC/WACC0.78
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%