HELG Fundamental Analysis - SPAREBANK 1 HELGELAND

Fundamental Rating

Taking everything into account, HELG scores 3 out of 10 in our fundamental rating. HELG was compared to 91 industry peers in the Banks industry. HELG may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, HELG is valued expensive at the moment.

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1. Profitability

1.1 Basic Checks

In the past year HELG was profitable.

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

The Return On Assets of HELG (1.14%) is better than 75.82% of its industry peers.

With a Return On Equity value of 8.72%, HELG perfoms like the industry average, outperforming 46.15% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.14%
ROE	8.72%
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

The Profit Margin of HELG (35.13%) is better than 87.91% of its industry peers.

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)	35.13%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

HELG does not have a ROIC to compare to the WACC, probably because it is not profitable.

HELG has less shares outstanding than it did 1 year ago.

Compared to 5 years ago, HELG has more shares outstanding

The debt/assets ratio for HELG is higher compared to a year ago.

2.2 Solvency

HELG has a Debt/Equity ratio of 1.59. This is a high value indicating a heavy dependency on external financing.

Looking at the Debt to Equity ratio, with a value of 1.59, HELG is in the better half of the industry, outperforming 60.44% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	1.59
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.84%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 10.69% over the past year.

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 3.18%.

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)10.69%

EPS 3Y31.35%

EPS 5Y8.99%

EPS Q2Q%4.88%

Revenue 1Y (TTM)3.18%

Revenue growth 3Y20.18%

Revenue growth 5Y11.27%

Sales Q2Q%-6.1%

3.2 Future

Based on estimates for the next years, HELG will show a small growth in Earnings Per Share. The EPS will grow by 4.93% on average per year.

HELG is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by 0.00% yearly.

EPS Next Y0.24%

EPS Next 2Y-0.21%

EPS Next 3Y4.93%

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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 10.61, the valuation of HELG can be described as very reasonable.

HELG's Price/Earnings ratio is a bit more expensive when compared to the industry. HELG is more expensive than 63.74% of the companies in the same industry.

When comparing the Price/Earnings ratio of HELG to the average of the S&P500 Index (26.48), we can say HELG is valued rather cheaply.

The Price/Forward Earnings ratio is 10.79, which indicates a very decent valuation of HELG.

Compared to the rest of the industry, the Price/Forward Earnings ratio of HELG indicates a slightly more expensive valuation: HELG is more expensive than 60.44% of the companies listed in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 34.04, HELG is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.61
Fwd PE	10.79

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.

PEG (NY)44.76

PEG (5Y)1.18

EPS Next 2Y-0.21%

EPS Next 3Y4.93%

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5. Dividend

5.1 Amount

HELG has a Yearly Dividend Yield of 4.72%, which is a nice return.

HELG's Dividend Yield is comparable with the industry average which is at 5.01.

Compared to an average S&P500 Dividend Yield of 2.39, HELG pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.72%

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 81.31% of its income as dividend. This is not a sustainable payout ratio.

The dividend of HELG is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP81.31%

EPS Next 2Y-0.21%

EPS Next 3Y4.93%

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SPAREBANK 1 HELGELAND

OSL:HELG (8/8/2025, 7:00:00 PM)

174

-4.5 (-2.52%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)05-09 2025-05-09/bmo

Earnings (Next)08-15 2025-08-15

Inst Owners30.56%

Inst Owner ChangeN/A

Ins Owners0.5%

Ins Owner ChangeN/A

Market Cap4.70B

Analysts45.45

Price Target173.4 (-0.34%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.72%

Yearly Dividend13.4

Dividend Growth(5Y)53.52%

DP81.31%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-4.27%

Min EPS beat(2)-13.44%

Max EPS beat(2)4.9%

EPS beat(4)2

Avg EPS beat(4)-0.11%

Min EPS beat(4)-13.44%

Max EPS beat(4)11.75%

EPS beat(8)4

Avg EPS beat(8)-3.89%

EPS beat(12)5

Avg EPS beat(12)-0.45%

EPS beat(16)7

Avg EPS beat(16)-0.52%

Revenue beat(2)0

Avg Revenue beat(2)-4.44%

Min Revenue beat(2)-6.61%

Max Revenue beat(2)-2.26%

Revenue beat(4)0

Avg Revenue beat(4)-4.94%

Min Revenue beat(4)-6.61%

Max Revenue beat(4)-2.26%

Revenue beat(8)0

Avg Revenue beat(8)-4.05%

Revenue beat(12)2

Avg Revenue beat(12)-2.36%

Revenue beat(16)3

Avg Revenue beat(16)-2.3%

PT rev (1m)2%

PT rev (3m)2.82%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-13.33%

EPS NY rev (1m)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-1.93%

Revenue NY rev (1m)-2.95%

Revenue NY rev (3m)-2.01%

Valuation

		Industry Rank	Sector Rank
PE	10.61
Fwd PE	10.79
P/S	3.72
P/FCF	N/A
P/OCF	N/A
P/B	0.92
P/tB	0.94
EV/EBITDA	N/A

EPS(TTM)16.4

EY9.43%

EPS(NY)16.13

Fwd EY9.27%

FCF(TTM)-5.56

FCFYN/A

OCF(TTM)-4.37

OCFYN/A

SpS46.81

BVpS188.59

TBVpS186

PEG (NY)44.76

PEG (5Y)1.18

Profitability

		Industry Rank	Sector Rank
ROA	1.14%
ROE	8.72%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	35.13%
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

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 3Y19.29%

PM growth 5Y2.9%

GM growth 3YN/A

GM growth 5YN/A

F-Score4

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	1.59
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	2.53%
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-Score4

WACC5.84%

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)10.69%

EPS 3Y31.35%

EPS 5Y8.99%

EPS Q2Q%4.88%

EPS Next Y0.24%

EPS Next 2Y-0.21%

EPS Next 3Y4.93%

EPS Next 5YN/A

Revenue 1Y (TTM)3.18%

Revenue growth 3Y20.18%

Revenue growth 5Y11.27%

Sales Q2Q%-6.1%

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-103.99%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-103.05%

OCF growth 3YN/A

OCF growth 5YN/A

SPAREBANK 1 HELGELAND (HELG.OL) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens