SPAREBANK 1 HELGELAND (HELG.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:HELG - NO0010029804 - Common Stock
173.82 NOK
-0.18 (-0.1%)
Taking everything into account, HELG scores 3 out of 10 in our fundamental rating. HELG was compared to 108 industry peers in the Banks industry. HELG has a bad profitability rating. Also its financial health evaluation is rather negative. HELG does not seem to be growing, but still is valued expensively.
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.
In the past 5 years HELG has always been profitable.
In multiple years HELG reported negative operating cash flow during the last 5 years.
1.2 Ratios
HELG has a Return On Assets of 1.08%. This is in the better half of the industry: HELG outperforms 68.52% of its industry peers.
With a Return On Equity value of 8.42%, HELG is not doing good in the industry: 62.96% 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
Looking at the Profit Margin, with a value of 34.70%, HELG belongs to the top of the industry, outperforming 86.11% of the companies in the same industry.
HELG's Profit Margin has improved in the last couple of years.
HELG does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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
HELG has a Debt/Equity ratio of 1.70. This is a high value indicating a heavy dependency on external financing.
HELG has a Debt to Equity ratio of 1.70. This is in the better half of the industry: HELG outperforms 62.04% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.7 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.98%
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.
Measured over the past years, HELG shows a quite strong growth in Revenue. The Revenue has been growing by 11.27% on average per year.
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
The Earnings Per Share is expected to decrease by -0.52% on average over the next years.
HELG is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by 0.00% yearly.
EPS Next Y-5.14%
EPS Next 2Y-2.28%
EPS Next 3Y-0.52%
EPS Next 5YN/A
Revenue Next Year-4.1%
Revenue Next 2Y-1.47%
Revenue Next 3Y0%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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
HELG is valuated reasonably with a Price/Earnings ratio of 10.65.
HELG's Price/Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Earnings ratio of 26.15, HELG is valued rather cheaply.
HELG is valuated reasonably with a Price/Forward Earnings ratio of 11.24.
Based on the Price/Forward Earnings ratio, HELG is valued a bit more expensive than 62.04% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.12, HELG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.65 | ||
| Fwd PE | 11.24 |
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)1.18
EPS Next 2Y-2.28%
EPS Next 3Y-0.52%
5. Dividend
5.1 Amount
HELG has a Yearly Dividend Yield of 4.90%, which is a nice return.
Compared to an average industry Dividend Yield of 4.85, HELG pays a bit more dividend than its industry peers.
HELG's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.9% |
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
63.41% of the earnings are spent on dividend by HELG. This is not a sustainable payout ratio.
The Dividend Rate of HELG has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP63.41%
EPS Next 2Y-2.28%
EPS Next 3Y-0.52%
OSL:HELG (11/27/2025, 4:12:48 PM)
173.82
-0.18 (-0.1%)
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 Cap4.69B
Revenue(TTM)1.29B
Net Income(TTM)440.00M
Analysts80
Price Target182.24 (4.84%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.9% |
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)6
Avg EPS beat(12)1.82%
EPS beat(16)8
Avg EPS beat(16)0.38%
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)2.29%
PT rev (3m)5.1%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-5.36%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.65 | ||
| Fwd PE | 11.24 | ||
| P/S | 3.7 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.9 | ||
| P/tB | 0.91 | ||
| EV/EBITDA | N/A |
EPS(TTM)16.32
EY9.39%
EPS(NY)15.47
Fwd EY8.9%
FCF(TTM)-35.67
FCFYN/A
OCF(TTM)-34.67
OCFYN/A
SpS46.96
BVpS193.48
TBVpS190.96
PEG (NY)N/A
PEG (5Y)1.18
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
WACC5.98%
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-5.14%
EPS Next 2Y-2.28%
EPS Next 3Y-0.52%
EPS Next 5YN/A
Revenue 1Y (TTM)9.15%
Revenue growth 3Y20.18%
Revenue growth 5Y11.27%
Sales Q2Q%2.63%
Revenue Next Year-4.1%
Revenue Next 2Y-1.47%
Revenue Next 3Y0%
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.
Can you provide the valuation status for SPAREBANK 1 HELGELAND?
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.
What is the expected EPS growth for SPAREBANK 1 HELGELAND (HELG.OL) stock?
The Earnings per Share (EPS) of SPAREBANK 1 HELGELAND (HELG.OL) is expected to decline by -5.14% in the next year.