B2 IMPACT ASA (B2I.OL) Stock Fundamental Analysis
OSL:B2I - Euronext Oslo - NO0010633951 - Common Stock - Currency: NOK
Taking everything into account, B2I scores 7 out of 10 in our fundamental rating. B2I was compared to 9 industry peers in the Consumer Finance industry. B2I has outstanding health and profitabily ratings, belonging to the best of the industry. This is a solid base for any company. B2I is valued quite cheap, while showing a decent growth score. This is a good combination! B2I also has an excellent dividend rating. This makes B2I very considerable 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.
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
The Return On Assets of B2I (1.81%) is better than 66.67% of its industry peers.
B2I has a Return On Equity of 5.47%. This is comparable to the rest of the industry: B2I outperforms 44.44% of its industry peers.
With an excellent Return On Invested Capital value of 6.13%, B2I belongs to the best of the industry, outperforming 88.89% 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
B2I's Profit Margin of 9.00% is in line compared to the rest of the industry. B2I outperforms 55.56% of its industry peers.
In the last couple of years the Profit Margin of B2I has grown nicely.
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.
B2I's Gross Margin of 53.43% is in line compared to the rest of the industry. B2I outperforms 44.44% 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.
Compared to 1 year ago, B2I has about the same amount of shares outstanding.
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 2.57. 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.
Looking at the Debt to FCF ratio, with a value of 2.57, B2I belongs to the top of the industry, outperforming 88.89% of the companies in the same industry.
B2I has a Debt/Equity ratio of 1.73. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 1.73, B2I is in the better half of the industry, outperforming 77.78% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.73 | ||
| Debt/FCF | 2.57 | ||
| Altman-Z | N/A |
ROIC/WACC0.76
WACC8.06%
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.
With an excellent Current ratio value of 2.44, B2I belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
A Quick Ratio of 2.44 indicates that B2I has no problem at all paying its short term obligations.
B2I's Quick ratio of 2.44 is amongst the best of the industry. B2I outperforms 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%.
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 decrease in Revenue. The Revenue has decreased by -8.98% 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)-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
B2I is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 38.08% yearly.
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 14.49, which indicates a correct valuation of B2I.
77.78% of the companies in the same industry are more expensive than B2I, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.25. B2I is valued slightly cheaper when compared to this.
The Price/Forward Earnings ratio is 7.62, which indicates a rather cheap valuation of B2I.
Based on the Price/Forward Earnings ratio, B2I is valued a bit cheaper than the industry average as 77.78% of the companies are valued more expensively.
B2I's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.15.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.49 | ||
| Fwd PE | 7.62 |
4.2 Price Multiples
88.89% 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 | 1.19 | ||
| 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.
A more expensive valuation may be justified as B2I's earnings are expected to grow with 38.08% in the coming years.
PEG (NY)0.14
PEG (5Y)0.64
EPS Next 2Y46.79%
EPS Next 3Y38.08%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 10.61%, B2I is a good candidate for dividend investing.
B2I's Dividend Yield is rather good when compared to the industry average which is at 3.05. 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 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.61% |
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
B2I pays out 154.02% of its income as dividend. 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 (5/30/2025, 7:00:00 PM)
12.32
-0.22 (-1.75%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners18.98%
Inst Owner ChangeN/A
Ins Owners1.45%
Ins Owner ChangeN/A
Market Cap4.54B
Analysts82.5
Price Target12.8 (3.9%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.61% |
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)0.6%
PT rev (3m)0.6%
EPS NQ rev (1m)-3.85%
EPS NQ rev (3m)-8.54%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.35%
Revenue NQ rev (1m)0.77%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.11%
Revenue NY rev (3m)-1.08%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.49 | ||
| Fwd PE | 7.62 | ||
| P/S | 1.31 | ||
| P/FCF | 1.19 | ||
| P/OCF | 1.18 | ||
| P/B | 0.8 | ||
| P/tB | 0.93 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.85
EY6.9%
EPS(NY)1.62
Fwd EY13.12%
FCF(TTM)10.37
FCFY84.14%
OCF(TTM)10.46
OCFY84.88%
SpS9.38
BVpS15.44
TBVpS13.32
PEG (NY)0.14
PEG (5Y)0.64
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
WACC8.06%
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%