B2 IMPACT ASA (B2I.OL) Stock Fundamental Analysis
Europe - OSL:B2I - NO0010633951 - Common Stock
17.12 NOK
+0.08 (+0.47%)
B2I gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 8 industry peers in the Consumer Finance industry. B2I has an excellent financial health rating, but there are some minor concerns on its profitability. B2I has a decent growth rate and is not valued too expensively. Finally B2I also has an excellent dividend rating. These ratings would make B2I suitable 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.
B2I had positive earnings in each of the past 5 years.
B2I had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
B2I has a Return On Assets (1.63%) which is in line with its industry peers.
The Return On Equity of B2I (5.09%) is worse than 62.50% of its industry peers.
B2I has a better Return On Invested Capital (5.78%) than 87.50% of its industry peers.
The Average Return On Invested Capital over the past 3 years for B2I is above the industry average of 4.35%.
| 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 has a Profit Margin (8.25%) which is in line with its industry peers.
In the last couple of years the Profit Margin of B2I has grown nicely.
With an excellent Operating Margin value of 35.82%, B2I belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
B2I's Operating Margin has improved in the last couple of years.
B2I's Gross Margin of 53.12% is on the low side compared to the rest of the industry. B2I is outperformed by 62.50% of its industry peers.
B2I's Gross Margin has improved in the last couple of years.
| 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.
B2I has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, B2I has less shares outstanding
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.
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.
Looking at the Debt to Equity ratio, with a value of 1.87, B2I is in the better half of the industry, outperforming 62.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.87 | ||
| Debt/FCF | 2.56 | ||
| Altman-Z | N/A |
ROIC/WACC0.67
WACC8.62%
2.3 Liquidity
A Current Ratio of 2.52 indicates that B2I has no problem at all paying its short term obligations.
B2I has a Current ratio of 2.52. This is amongst the best in the industry. B2I outperforms 87.50% of its industry peers.
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
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.
The Revenue for B2I has decreased by -11.29% in the past year. This is quite bad
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
Based on estimates for the next years, B2I will show a very strong growth in Earnings Per Share. The EPS will grow by 41.47% on average per year.
The Revenue is expected to grow by 3.32% on average over the next years.
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 22.83 indicates a rather expensive valuation of B2I.
87.50% of the companies in the same industry are more expensive than B2I, based on the Price/Earnings ratio.
B2I's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 26.89.
The Price/Forward Earnings ratio is 9.00, which indicates a very decent valuation of B2I.
Based on the Price/Forward Earnings ratio, B2I is valued a bit cheaper than the industry average as 75.00% 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 22.99.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.83 | ||
| Fwd PE | 9 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, B2I is valued a bit cheaper than 75.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.58 | ||
| 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.
B2I's earnings are expected to grow with 41.47% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.15
PEG (5Y)1.01
EPS Next 2Y59.22%
EPS Next 3Y41.47%
5. Dividend
5.1 Amount
B2I has a Yearly Dividend Yield of 8.80%, which is a nice return.
Compared to an average industry Dividend Yield of 2.88, 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 2.31, B2I pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.8% |
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.
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 (10/24/2025, 7:00:00 PM)
17.12
+0.08 (+0.47%)
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 Cap6.33B
Revenue(TTM)3.37B
Net Income(TTM)278.00M
Analysts82.5
Price Target18.95 (10.69%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.8% |
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)0%
PT rev (3m)28.1%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)23.76%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)8.72%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.83 | ||
| Fwd PE | 9 | ||
| P/S | 1.88 | ||
| P/FCF | 1.58 | ||
| P/OCF | 1.57 | ||
| P/B | 1.16 | ||
| P/tB | 1.36 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.75
EY4.38%
EPS(NY)1.9
Fwd EY11.11%
FCF(TTM)10.81
FCFY63.13%
OCF(TTM)10.92
OCFY63.79%
SpS9.11
BVpS14.76
TBVpS12.57
PEG (NY)0.15
PEG (5Y)1.01
Graham Number15.78
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%
ROICexgc growth 3Y-0.15%
ROICexgc 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
WACC8.62%
ROIC/WACC0.67
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%
B2 IMPACT ASA / B2I.OL FAQ
What is the fundamental rating for B2I stock?
ChartMill assigns a fundamental rating of 6 / 10 to B2I.OL.
Can you provide the valuation status for B2 IMPACT ASA?
ChartMill assigns a valuation rating of 6 / 10 to B2 IMPACT ASA (B2I.OL). This can be considered as Fairly Valued.
Can you provide the profitability details for B2 IMPACT ASA?
B2 IMPACT ASA (B2I.OL) has a profitability rating of 6 / 10.
Can you provide the expected EPS growth for B2I stock?
The Earnings per Share (EPS) of B2 IMPACT ASA (B2I.OL) is expected to grow by 152.5% in the next year.
Is the dividend of B2 IMPACT ASA sustainable?
The dividend rating of B2 IMPACT ASA (B2I.OL) is 7 / 10 and the dividend payout ratio is 278.42%.