HELG Fundamental Analysis - SPAREBANK 1 HELGELAND

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to HELG. HELG was compared to 97 industry peers in the Banks industry. HELG may be in some trouble as it scores bad on both profitability and health. HELG has a expensive valuation and it also scores bad on growth.

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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.

HELG had positive earnings in each of the past 5 years.

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 70.10% of its industry peers.

HELG's Return On Equity of 8.42% is in line compared to the rest of the industry. HELG outperforms 44.33% 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 has a Profit Margin of 34.70%. This is amongst the best in the industry. HELG outperforms 85.57% 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

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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.

Compared to 1 year ago, HELG has less shares outstanding

HELG has more shares outstanding than it did 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.

Looking at the Debt to Equity ratio, with a value of 1.70, HELG is in line with its industry, outperforming 59.79% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	1.7
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 10.49% over the past year.

The Earnings Per Share has been growing by 8.99% on average over the past years. This is quite good.

Looking at the last year, HELG shows a small growth in Revenue. The Revenue has grown by 2.01% in the last year.

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

Based on estimates for the next years, HELG will show a decrease in Earnings Per Share. The EPS will decrease by -0.52% 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 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.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.85 indicates a reasonable valuation of HELG.

Based on the Price/Earnings ratio, HELG is valued a bit more expensive than the industry average as 62.89% of the companies are valued more cheaply.

Compared to an average S&P500 Price/Earnings ratio of 27.79, HELG is valued rather cheaply.

HELG is valuated reasonably with a Price/Forward Earnings ratio of 11.38.

Based on the Price/Forward Earnings ratio, HELG is valued a bit more expensive than 65.98% of the companies in the same industry.

When comparing the Price/Forward Earnings ratio of HELG to the average of the S&P500 Index (23.21), we can say HELG is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.85
Fwd PE	11.38

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-2.28%

EPS Next 3Y-0.52%

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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 5.02, HELG has a dividend in line with its industry peers.

Compared to an average S&P500 Dividend Yield of 2.41, HELG pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.9%

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

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%

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SPAREBANK 1 HELGELAND

OSL:HELG (10/2/2025, 4:06:40 PM)

176

-4.02 (-2.23%)

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 Owners40.3%

Inst Owner ChangeN/A

Ins Owners0.5%

Ins Owner ChangeN/A

Market Cap4.75B

Analysts44

Price Target178.16 (1.23%)

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)0%

PT rev (3m)4.8%

EPS NQ rev (1m)0%

EPS NQ rev (3m)N/A

EPS NY rev (1m)0.85%

EPS NY rev (3m)-5.36%

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	10.85
Fwd PE	11.38
P/S	3.75
P/FCF	N/A
P/OCF	N/A
P/B	0.91
P/tB	0.92
EV/EBITDA	N/A

EPS(TTM)16.22

EY9.22%

EPS(NY)15.47

Fwd EY8.79%

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

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

WACC5.84%

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)10.49%

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) 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