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BIEN SPAREBANK ASA (BIEN.OL) Stock Fundamental Analysis

OSL:BIEN - Euronext Oslo - NO0012706763 - Common Stock - Currency: NOK

144  0 (0%)

Fundamental Rating

2

Taking everything into account, BIEN scores 2 out of 10 in our fundamental rating. BIEN was compared to 0 industry peers in the Unkown industry. BIEN may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, BIEN is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year BIEN was profitable.
BIEN had a positive operating cash flow in the past year.
Each year in the past 5 years BIEN has been profitable.
Of the past 5 years BIEN 4 years had a positive operating cash flow.
BIEN.OL Yearly Net Income VS EBIT VS OCF VS FCFBIEN.OL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2020 2021 2022 2023 2024 0 50M -50M -100M -150M

1.2 Ratios

Industry RankSector Rank
ROA 1.08%
ROE 8.58%
ROIC N/A
ROA(3y)1.02%
ROA(5y)0.83%
ROE(3y)7.66%
ROE(5y)6.72%
ROIC(3y)N/A
ROIC(5y)N/A
BIEN.OL Yearly ROA, ROE, ROICBIEN.OL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

In the last couple of years the Profit Margin of BIEN has grown nicely.
BIEN does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 36.16%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y11.71%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
BIEN.OL Yearly Profit, Operating, Gross MarginsBIEN.OL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2020 2021 2022 2023 2024 10 20 30

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2. Health

2.1 Basic Checks

BIEN has about the same amout of shares outstanding than it did 1 year ago.
Compared to 1 year ago, BIEN has a worse debt to assets ratio.
BIEN.OL Yearly Shares OutstandingBIEN.OL Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 2024 1M 2M 3M 4M 5M
BIEN.OL Yearly Total Debt VS Total AssetsBIEN.OL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

2.2 Solvency

BIEN has a debt to FCF ratio of 7.83. This is a slightly negative value and a sign of low solvency as BIEN would need 7.83 years to pay back of all of its debts.
BIEN has a Debt/Equity ratio of 1.49. This is a high value indicating a heavy dependency on external financing.
Industry RankSector Rank
Debt/Equity 1.49
Debt/FCF 7.83
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
BIEN.OL Yearly LT Debt VS Equity VS FCFBIEN.OL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2020 2021 2022 2023 2024 0 200M 400M 600M 800M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BIEN.OL Yearly Current Assets VS Current LiabilitesBIEN.OL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2021 2022 2023 2024 5M 10M 15M

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3. Growth

3.1 Past

BIEN shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 6.25%.
The Earnings Per Share has been growing by 27.29% on average over the past years. This is a very strong growth
The Revenue has been growing slightly by 6.08% in the past year.
BIEN shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 13.95% yearly.
EPS 1Y (TTM)6.25%
EPS 3Y27.29%
EPS 5YN/A
EPS Q2Q%0.52%
Revenue 1Y (TTM)6.08%
Revenue growth 3Y13.95%
Revenue growth 5YN/A
Sales Q2Q%5.91%

3.2 Future

Based on estimates for the next years, BIEN will show a small growth in Earnings Per Share. The EPS will grow by 5.41% on average per year.
Based on estimates for the next years, BIEN will show a small growth in Revenue. The Revenue will grow by 6.95% on average per year.
EPS Next Y-2.9%
EPS Next 2Y2.03%
EPS Next 3Y5.41%
EPS Next 5YN/A
Revenue Next Year6.75%
Revenue Next 2Y6.5%
Revenue Next 3Y6.95%
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
BIEN.OL Yearly Revenue VS EstimatesBIEN.OL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M
BIEN.OL Yearly EPS VS EstimatesBIEN.OL Yearly EPS VS EstimatesYearly EPS VS Estimates 2022 2023 2024 2025 2026 2027 2 4 6 8 10

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 14.12, which indicates a correct valuation of BIEN.
BIEN's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.35.
A Price/Forward Earnings ratio of 13.57 indicates a correct valuation of BIEN.
BIEN is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.19, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 14.12
Fwd PE 13.57
BIEN.OL Price Earnings VS Forward Price EarningsBIEN.OL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF 6.18
EV/EBITDA N/A
BIEN.OL Per share dataBIEN.OL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80 100

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y2.03%
EPS Next 3Y5.41%

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5. Dividend

5.1 Amount

BIEN has a Yearly Dividend Yield of 3.72%. Purely for dividend investing, there may be better candidates out there.
Compared to an average S&P500 Dividend Yield of 2.40, BIEN pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.72%

5.2 History

Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

BIEN pays out 46.70% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP46.7%
EPS Next 2Y2.03%
EPS Next 3Y5.41%
BIEN.OL Yearly Income VS Free CF VS DividendBIEN.OL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2020 2021 2022 2023 2024 0 50M -50M -100M -150M
BIEN.OL Dividend Payout.BIEN.OL Dividend Payout, showing the Payout Ratio.BIEN.OL Dividend Payout.PayoutRetained Earnings

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BIEN SPAREBANK ASA

OSL:BIEN (6/20/2025, 7:00:00 PM)

144

0 (0%)

Chartmill FA Rating
GICS SectorN/A
GICS IndustryGroupN/A
GICS IndustryN/A
Earnings (Last)05-07 2025-05-07/bmo
Earnings (Next)N/A N/A
Inst Owners1.44%
Inst Owner ChangeN/A
Ins Owners2.7%
Ins Owner ChangeN/A
Market Cap817.92M
Analysts42.22
Price Target161.16 (11.92%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.72%
Yearly Dividend4.92
Dividend Growth(5Y)N/A
DP46.7%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)7.07%
Min EPS beat(2)-0.93%
Max EPS beat(2)15.07%
EPS beat(4)2
Avg EPS beat(4)3.79%
Min EPS beat(4)-6.45%
Max EPS beat(4)15.07%
EPS beat(8)5
Avg EPS beat(8)5.77%
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)0.68%
Min Revenue beat(2)-1.15%
Max Revenue beat(2)2.51%
Revenue beat(4)2
Avg Revenue beat(4)2.56%
Min Revenue beat(4)-1.61%
Max Revenue beat(4)10.51%
Revenue beat(8)3
Avg Revenue beat(8)4.85%
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)1.94%
PT rev (3m)1.94%
EPS NQ rev (1m)2.78%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-4.9%
Revenue NQ rev (1m)4.1%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.82%
Valuation
Industry RankSector Rank
PE 14.12
Fwd PE 13.57
P/S 4.94
P/FCF 6.18
P/OCF 6.18
P/B 1.17
P/tB 1.17
EV/EBITDA N/A
EPS(TTM)10.2
EY7.08%
EPS(NY)10.61
Fwd EY7.37%
FCF(TTM)23.3
FCFY16.18%
OCF(TTM)23.3
OCFY16.18%
SpS29.14
BVpS122.82
TBVpS122.82
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1.08%
ROE 8.58%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 36.16%
GM N/A
FCFM 79.98%
ROA(3y)1.02%
ROA(5y)0.83%
ROE(3y)7.66%
ROE(5y)6.72%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y11.71%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 1.49
Debt/FCF 7.83
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 221.18%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score3
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)6.25%
EPS 3Y27.29%
EPS 5YN/A
EPS Q2Q%0.52%
EPS Next Y-2.9%
EPS Next 2Y2.03%
EPS Next 3Y5.41%
EPS Next 5YN/A
Revenue 1Y (TTM)6.08%
Revenue growth 3Y13.95%
Revenue growth 5YN/A
Sales Q2Q%5.91%
Revenue Next Year6.75%
Revenue Next 2Y6.5%
Revenue Next 3Y6.95%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y115.33%
FCF growth 3Y1.73%
FCF growth 5YN/A
OCF growth 1Y115.33%
OCF growth 3Y1.73%
OCF growth 5YN/A