B2 IMPACT ASA (B2I.OL) Stock Fundamental Analysis
OSL:B2I - NO0010633951 - Common Stock
16 NOK
-0.5 (-3.03%)
Taking everything into account, B2I scores 6 out of 10 in our fundamental rating. B2I was compared to 8 industry peers in the Consumer Finance industry. B2I scores excellent points on both the profitability and health parts. This is a solid base for a good stock. A decent growth rate in combination with a cheap valuation! Better keep an eye on B2I. Finally 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.
B2I had a positive operating cash flow in the past year.
B2I had positive earnings in each of the past 5 years.
In the past 5 years B2I always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.63%, B2I is in the better half of the industry, outperforming 62.50% of the companies in the same industry.
B2I has a Return On Equity (5.09%) which is in line with its industry peers.
With an excellent Return On Invested Capital value of 5.78%, B2I belongs to the best 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 4.69%.
| 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's Profit Margin of 8.25% is in line compared to the rest of the industry. B2I outperforms 50.00% of its industry peers.
B2I's Profit Margin has improved in the last couple of years.
B2I has a Operating Margin of 35.82%. This is amongst the best in 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 has a Gross Margin of 53.12%. This is in the lower half of the industry: B2I underperforms 62.50% of its industry peers.
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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), 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.
Compared to 1 year ago, B2I has an improved debt to assets ratio.
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.
B2I has a Debt to FCF ratio of 2.56. This is amongst the best in the industry. B2I outperforms 100.00% of its industry peers.
A Debt/Equity ratio of 1.87 is on the high side and indicates that B2I has dependencies on debt financing.
B2I has a better Debt to Equity ratio (1.87) than 62.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.87 | ||
| Debt/FCF | 2.56 | ||
| Altman-Z | N/A |
ROIC/WACC0.7
WACC8.2%
2.3 Liquidity
A Current Ratio of 2.52 indicates that B2I has no problem at all paying its short term obligations.
With an excellent Current ratio value of 2.52, B2I belongs to the best of the industry, outperforming 87.50% of the companies in the same industry.
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 has a better Quick ratio (2.52) than 87.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.52 | ||
| Quick Ratio | 2.52 |
3. Growth
3.1 Past
B2I shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -36.97%.
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 very negative growth in Revenue. In the last year, the Revenue has decreased by -11.29%.
The Revenue has been growing slightly by 4.10% on average over the past years.
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
B2I is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 37.96% yearly.
Based on estimates for the next years, B2I will show a small growth in Revenue. The Revenue will grow by 1.92% on average per year.
EPS Next Y113.11%
EPS Next 2Y49.18%
EPS Next 3Y37.96%
EPS Next 5YN/A
Revenue Next Year-2.67%
Revenue Next 2Y-0.31%
Revenue Next 3Y1.92%
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
Based on the Price/Earnings ratio of 21.33, the valuation of B2I can be described as rather expensive.
75.00% 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 27.07. B2I is valued slightly cheaper when compared to this.
The Price/Forward Earnings ratio is 9.59, which indicates a very decent valuation of B2I.
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 is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.59, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.33 | ||
| Fwd PE | 9.59 |
4.2 Price Multiples
B2I's Price/Free Cash Flow ratio is rather cheap when compared to the industry. B2I is cheaper than 87.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.48 | ||
| 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 37.96% in the coming years.
PEG (NY)0.19
PEG (5Y)0.94
EPS Next 2Y49.18%
EPS Next 3Y37.96%
5. Dividend
5.1 Amount
B2I has a Yearly Dividend Yield of 9.00%, which is a nice return.
B2I's Dividend Yield is rather good when compared to the industry average which is at 3.47. B2I pays more dividend than 100.00% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.46, B2I pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9% |
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
278.42% of the earnings are spent on dividend by B2I. 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.
DP278.42%
EPS Next 2Y49.18%
EPS Next 3Y37.96%
OSL:B2I (9/9/2025, 7:00:00 PM)
16
-0.5 (-3.03%)
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 Cap5.92B
Analysts82.5
Price Target17.82 (11.38%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 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)20.52%
PT rev (3m)27.79%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)4.46%
EPS NY rev (3m)4.46%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.56%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.33 | ||
| Fwd PE | 9.59 | ||
| P/S | 1.76 | ||
| P/FCF | 1.48 | ||
| P/OCF | 1.47 | ||
| P/B | 1.08 | ||
| P/tB | 1.27 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.75
EY4.69%
EPS(NY)1.67
Fwd EY10.43%
FCF(TTM)10.81
FCFY67.55%
OCF(TTM)10.92
OCFY68.26%
SpS9.11
BVpS14.76
TBVpS12.57
PEG (NY)0.19
PEG (5Y)0.94
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%
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
WACC8.2%
ROIC/WACC0.7
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 Y113.11%
EPS Next 2Y49.18%
EPS Next 3Y37.96%
EPS Next 5YN/A
Revenue 1Y (TTM)-11.29%
Revenue growth 3Y3.97%
Revenue growth 5Y4.1%
Sales Q2Q%-8.72%
Revenue Next Year-2.67%
Revenue Next 2Y-0.31%
Revenue Next 3Y1.92%
Revenue Next 5YN/A
EBIT growth 1Y-14.09%
EBIT growth 3Y11.23%
EBIT growth 5Y12.6%
EBIT Next Year-0.54%
EBIT Next 3Y2.44%
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%