HELG Fundamental Analysis - SPAREBANK 1 HELGELAND

Fundamental Rating

HELG gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 89 industry peers in the Banks industry. Both the profitability and financial health of HELG have multiple concerns. HELG is valued expensive and it does not seem to be growing.

Quickly go to:

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.

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 70.79% of its industry peers.

Looking at the Return On Equity, with a value of 8.42%, HELG is in line with its industry, outperforming 44.94% of the companies in the same 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

HELG has a better Profit Margin (34.70%) than 85.39% 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)	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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

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

Compared to 5 years ago, HELG has more shares outstanding

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 comparable to the rest of the industry: HELG outperforms 59.55% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.7
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.78%

2.3 Liquidity

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

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

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.

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 small growth in Revenue. The Revenue has grown by 2.01% 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)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 -0.31% yearly.

Based on estimates for the next years, HELG will show a decrease in Revenue. The Revenue will decrease by 0.00% on average per year.

EPS Next Y-5.93%

EPS Next 2Y-1.83%

EPS Next 3Y-0.31%

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.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 10.36, the valuation of HELG can be described as very reasonable.

HELG's Price/Earnings ratio is in line with the industry average.

HELG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.03.

HELG is valuated reasonably with a Price/Forward Earnings ratio of 10.77.

HELG's Price/Forward Earnings is on the same level as the industry average.

HELG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.54.

		Industry Rank	Sector Rank
PE	10.36
Fwd PE	10.77

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)1.15

EPS Next 2Y-1.83%

EPS Next 3Y-0.31%

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

HELG has a Yearly Dividend Yield of 5.03%, which is a nice return.

HELG's Dividend Yield is comparable with the industry average which is at 5.09.

HELG's Dividend Yield is rather good when compared to the S&P500 average which is at 2.45.

		Industry Rank	Sector Rank
Dividend Yield	5.03%

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.

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-1.83%

EPS Next 3Y-0.31%

More info and screens

Find the best dividend stocks

Show peers with best dividend

SPAREBANK 1 HELGELAND

OSL:HELG (9/10/2025, 7:00:00 PM)

168.1

-1.9 (-1.12%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)08-15 2025-08-15/bmo

Earnings (Next)10-31 2025-10-31

Inst Owners30.56%

Inst Owner ChangeN/A

Ins Owners0.5%

Ins Owner ChangeN/A

Market Cap4.54B

Analysts44

Price Target178.16 (5.98%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.03%

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)2.75%

PT rev (3m)5.65%

EPS NQ rev (1m)0%

EPS NQ rev (3m)N/A

EPS NY rev (1m)-6.16%

EPS NY rev (3m)-6.16%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0%

Revenue NY rev (3m)-2.95%

Valuation

		Industry Rank	Sector Rank
PE	10.36
Fwd PE	10.77
P/S	3.58
P/FCF	N/A
P/OCF	N/A
P/B	0.87
P/tB	0.88
EV/EBITDA	N/A

EPS(TTM)16.22

EY9.65%

EPS(NY)15.61

Fwd EY9.29%

FCF(TTM)-35.67

FCFYN/A

OCF(TTM)-34.67

OCFYN/A

SpS46.96

BVpS193.48

TBVpS190.96

PEG (NY)N/A

PEG (5Y)1.15

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

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-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

WACC5.78%

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-5.93%

EPS Next 2Y-1.83%

EPS Next 3Y-0.31%

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) 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