SPAREBANK 1 HELGELAND (HELG.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:HELG - NO0010029804 - Common Stock
178 NOK
-1.5 (-0.84%)
Overall HELG gets a fundamental rating of 3 out of 10. We evaluated HELG against 114 industry peers in the Banks industry. HELG may be in some trouble as it scores bad on both profitability and health. HELG has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
HELG had positive earnings in the past year.
HELG had a negative operating cash flow in the past year.
In the past 5 years HELG has always been profitable.
The reported operating cash flow has been mixed in the past 5 years: HELG reported negative operating cash flow in multiple years.
1.2 Ratios
HELG has a Return On Assets of 1.08%. This is in the better half of the industry: HELG outperforms 67.54% of its industry peers.
HELG has a worse Return On Equity (8.42%) than 63.16% of its industry peers.
| 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 87.72% 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.
Compared to 1 year ago, HELG has less shares outstanding
The number of shares outstanding for HELG has been increased compared to 5 years ago.
HELG has a worse debt/assets ratio than last year.
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 62.28% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.7 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.22%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
HELG shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 6.81%.
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.
HELG shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.15%.
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
HELG is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -1.89% yearly.
Based on estimates for the next years, HELG will show a decrease in Revenue. The Revenue will decrease by -0.50% on average per year.
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
HELG is valuated reasonably with a Price/Earnings ratio of 10.91.
Based on the Price/Earnings ratio, HELG is valued a bit cheaper than 66.67% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.00. HELG is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 11.12 indicates a reasonable valuation of HELG.
HELG's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of HELG to the average of the S&P500 Index (23.70), we can say HELG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.91 | ||
| Fwd PE | 11.12 |
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)1.21
EPS Next 2Y-0.58%
EPS Next 3Y-1.89%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.61%, HELG is a good candidate for dividend investing.
HELG's Dividend Yield is a higher than the industry average which is at 3.98.
HELG's Dividend Yield is rather good when compared to the S&P500 average which is at 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.61% |
5.2 History
The dividend of HELG is nicely growing with an annual growth rate of 53.52%!
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.
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-0.58%
EPS Next 3Y-1.89%
OSL:HELG (1/8/2026, 7:00:00 PM)
178
-1.5 (-0.84%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners40.38%
Inst Owner ChangeN/A
Ins Owners0.5%
Ins Owner ChangeN/A
Market Cap4.81B
Revenue(TTM)1.29B
Net Income(TTM)440.00M
Analysts80
Price Target182.24 (2.38%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.61% |
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)2.29%
EPS NY rev (3m)3.87%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)1.23%
Revenue NY rev (3m)1.81%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.91 | ||
| Fwd PE | 11.12 | ||
| P/S | 3.79 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.92 | ||
| P/tB | 0.93 | ||
| EV/EBITDA | N/A |
EPS(TTM)16.32
EY9.17%
EPS(NY)16.01
Fwd EY9%
FCF(TTM)-35.67
FCFYN/A
OCF(TTM)-34.67
OCFYN/A
SpS46.96
BVpS193.48
TBVpS190.96
PEG (NY)N/A
PEG (5Y)1.21
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
WACC6.22%
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 4 / 10 to SPAREBANK 1 HELGELAND (HELG.OL). This can be considered as Fairly Valued.
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%.