SPAREBANK 1 HELGELAND (HELG.OL) Stock Fundamental Analysis
Europe - OSL:HELG - NO0010029804 - Common Stock
169 NOK
-13.88 (-7.59%)
HELG gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 97 industry peers in the Banks industry. HELG may be in some trouble as it scores bad on both profitability and health. 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.
HELG had a negative operating cash flow in the past year.
Each year in the past 5 years HELG has 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 better Return On Assets (1.08%) than 70.10% of its industry peers.
HELG has a Return On Equity (8.42%) which is comparable to the rest of the industry.
| 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
With an excellent Profit Margin value of 34.70%, HELG belongs to the best of the industry, outperforming 86.60% of the companies in the same industry.
HELG's Profit Margin has improved in the last couple of years.
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.
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 better Debt to Equity ratio (1.70) than 62.89% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.7 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.85%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
HELG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.49%, which is quite good.
HELG shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.99% yearly.
HELG shows a small growth in Revenue. In the last year, the Revenue has grown by 2.01%.
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)10.49%
EPS 3Y31.35%
EPS 5Y8.99%
EPS Q2Q%-4.52%
Revenue 1Y (TTM)2.01%
Revenue growth 3Y20.18%
Revenue growth 5Y11.27%
Sales Q2Q%-3.4%
3.2 Future
HELG is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -0.52% yearly.
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
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 10.42, which indicates a very decent valuation of HELG.
65.98% of the companies in the same industry are cheaper than HELG, based on the Price/Earnings ratio.
HELG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.10.
The Price/Forward Earnings ratio is 10.92, which indicates a very decent valuation of HELG.
70.10% of the companies in the same industry are cheaper than HELG, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 22.52. HELG is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.42 | ||
| Fwd PE | 10.92 |
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)1.16
EPS Next 2Y-2.28%
EPS Next 3Y-0.52%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.82%, HELG is a good candidate for dividend investing.
HELG's Dividend Yield is comparable with the industry average which is at 4.83.
Compared to an average S&P500 Dividend Yield of 2.35, HELG pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.82% |
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.
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 (10/31/2025, 7:00:00 PM)
169
-13.88 (-7.59%)
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 Cap4.56B
Revenue(TTM)1.27B
Net Income(TTM)440.00M
Analysts44
Price Target178.16 (5.42%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.82% |
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)0%
PT rev (3m)2.75%
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)-2.95%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.42 | ||
| Fwd PE | 10.92 | ||
| P/S | 3.6 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.87 | ||
| P/tB | 0.88 | ||
| EV/EBITDA | N/A |
EPS(TTM)16.22
EY9.6%
EPS(NY)15.47
Fwd EY9.15%
FCF(TTM)-35.67
FCFYN/A
OCF(TTM)-34.67
OCFYN/A
SpS46.96
BVpS193.48
TBVpS190.96
PEG (NY)N/A
PEG (5Y)1.16
Graham Number265.73
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
WACC5.85%
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)10.49%
EPS 3Y31.35%
EPS 5Y8.99%
EPS Q2Q%-4.52%
EPS Next Y-5.14%
EPS Next 2Y-2.28%
EPS Next 3Y-0.52%
EPS Next 5YN/A
Revenue 1Y (TTM)2.01%
Revenue growth 3Y20.18%
Revenue growth 5Y11.27%
Sales Q2Q%-3.4%
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.