SPAREBANK 1 HELGELAND (HELG.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:HELG - NO0010029804 - Common Stock
183 NOK
0 (0%)
HELG gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 102 industry peers in the Banks industry. Both the profitability and financial health of HELG have multiple concerns. HELG has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
HELG had positive earnings in the past year.
In the past year HELG has reported a negative cash flow from operations.
HELG had positive earnings in each of the past 5 years.
In multiple years HELG reported negative operating cash flow during the last 5 years.
1.2 Ratios
HELG's Return On Assets of 1.08% is fine compared to the rest of the industry. HELG outperforms 66.67% of its industry peers.
With a Return On Equity value of 8.42%, HELG is not doing good in the industry: 61.76% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.08% | ||
| ROE | 8.42% | ||
| ROIC | N/A |
ROA(3y)1.01%
ROA(5y)0.83%
ROE(3y)7.6%
ROE(5y)6.52%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
HELG's Profit Margin of 34.70% is amongst the best of the industry. HELG outperforms 87.25% of its industry peers.
In the last couple of years the Profit Margin of HELG has grown nicely.
The Operating Margin and Gross Margin are not available for HELG so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 34.7% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y19.29%
PM growth 5Y2.9%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
HELG does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for HELG has been reduced compared to 1 year ago.
The number of shares outstanding for HELG has been increased compared to 5 years ago.
The debt/assets ratio for HELG is higher compared to a year ago.
2.2 Solvency
A Debt/Equity ratio of 1.70 is on the high side and indicates that HELG has dependencies on debt financing.
HELG has a Debt to Equity ratio of 1.70. This is in the better half of the industry: HELG outperforms 60.78% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.7 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.25%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 6.81% over the past year.
Measured over the past years, HELG shows a quite strong growth in Earnings Per Share. The EPS has been growing by 8.99% on average per year.
Looking at the last year, HELG shows a quite strong growth in Revenue. The Revenue has grown by 9.15% in the last year.
HELG shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.27% yearly.
EPS 1Y (TTM)6.81%
EPS 3Y31.35%
EPS 5Y8.99%
EPS Q2Q%2.27%
Revenue 1Y (TTM)9.15%
Revenue growth 3Y20.18%
Revenue growth 5Y11.27%
Sales Q2Q%2.63%
3.2 Future
Based on estimates for the next years, HELG will show a decrease in Earnings Per Share. The EPS will decrease by -1.89% on average per year.
The Revenue is expected to decrease by -0.50% on average over the next years.
EPS Next Y-1.46%
EPS Next 2Y-0.58%
EPS Next 3Y-1.89%
EPS Next 5YN/A
Revenue Next Year-2.36%
Revenue Next 2Y-2.19%
Revenue Next 3Y-0.5%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 11.21, which indicates a very decent valuation of HELG.
HELG's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 26.60. HELG is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 11.43, the valuation of HELG can be described as reasonable.
HELG's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.23, HELG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.21 | ||
| Fwd PE | 11.43 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.25
EPS Next 2Y-0.58%
EPS Next 3Y-1.89%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.71%, HELG is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.31, HELG pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.00, HELG pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.71% |
5.2 History
On average, the dividend of HELG grows each year by 53.52%, which is quite nice.
Dividend Growth(5Y)53.52%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
HELG pays out 63.41% of its income as dividend. This is not a sustainable payout ratio.
HELG's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP63.41%
EPS Next 2Y-0.58%
EPS Next 3Y-1.89%
OSL:HELG (1/2/2026, 4:15:55 PM)
183
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners40.3%
Inst Owner ChangeN/A
Ins Owners0.5%
Ins Owner ChangeN/A
Market Cap4.94B
Revenue(TTM)1.29B
Net Income(TTM)440.00M
Analysts80
Price Target182.24 (-0.42%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.71% |
Yearly Dividend13.4
Dividend Growth(5Y)53.52%
DP63.41%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-1.61%
Min EPS beat(2)-13.44%
Max EPS beat(2)10.22%
EPS beat(4)3
Avg EPS beat(4)3.36%
Min EPS beat(4)-13.44%
Max EPS beat(4)11.75%
EPS beat(8)4
Avg EPS beat(8)-3.27%
EPS beat(12)5
Avg EPS beat(12)-0.13%
EPS beat(16)7
Avg EPS beat(16)-1.08%
Revenue beat(2)0
Avg Revenue beat(2)-5.62%
Min Revenue beat(2)-6.61%
Max Revenue beat(2)-4.63%
Revenue beat(4)0
Avg Revenue beat(4)-4.51%
Min Revenue beat(4)-6.61%
Max Revenue beat(4)-2.26%
Revenue beat(8)0
Avg Revenue beat(8)-4.17%
Revenue beat(12)2
Avg Revenue beat(12)-1.83%
Revenue beat(16)3
Avg Revenue beat(16)-2.14%
PT rev (1m)0%
PT rev (3m)2.29%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)3.87%
EPS NY rev (3m)3.87%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)1.81%
Revenue NY rev (3m)1.81%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.21 | ||
| Fwd PE | 11.43 | ||
| P/S | 3.9 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.95 | ||
| P/tB | 0.96 | ||
| EV/EBITDA | N/A |
EPS(TTM)16.32
EY8.92%
EPS(NY)16.01
Fwd EY8.75%
FCF(TTM)-35.67
FCFYN/A
OCF(TTM)-34.67
OCFYN/A
SpS46.96
BVpS193.48
TBVpS190.96
PEG (NY)N/A
PEG (5Y)1.25
Graham Number266.55
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.08% | ||
| ROE | 8.42% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 34.7% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)1.01%
ROA(5y)0.83%
ROE(3y)7.6%
ROE(5y)6.52%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y19.29%
PM growth 5Y2.9%
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.7 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 2.13% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score3
WACC6.25%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)6.17%
Cap/Sales(5y)8.53%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)6.81%
EPS 3Y31.35%
EPS 5Y8.99%
EPS Q2Q%2.27%
EPS Next Y-1.46%
EPS Next 2Y-0.58%
EPS Next 3Y-1.89%
EPS Next 5YN/A
Revenue 1Y (TTM)9.15%
Revenue growth 3Y20.18%
Revenue growth 5Y11.27%
Sales Q2Q%2.63%
Revenue Next Year-2.36%
Revenue Next 2Y-2.19%
Revenue Next 3Y-0.5%
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 1Y-126.95%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-125.35%
OCF growth 3YN/A
OCF growth 5YN/A
SPAREBANK 1 HELGELAND / HELG.OL FAQ
What is the fundamental rating for HELG stock?
ChartMill assigns a fundamental rating of 3 / 10 to HELG.OL.
What is the valuation status for HELG stock?
ChartMill assigns a valuation rating of 3 / 10 to SPAREBANK 1 HELGELAND (HELG.OL). This can be considered as Overvalued.
What is the profitability of HELG stock?
SPAREBANK 1 HELGELAND (HELG.OL) has a profitability rating of 3 / 10.
What is the financial health of SPAREBANK 1 HELGELAND (HELG.OL) stock?
The financial health rating of SPAREBANK 1 HELGELAND (HELG.OL) is 1 / 10.
Is the dividend of SPAREBANK 1 HELGELAND sustainable?
The dividend rating of SPAREBANK 1 HELGELAND (HELG.OL) is 6 / 10 and the dividend payout ratio is 63.41%.