HOLAND OG SETSKOG SPAREBANK (HSPG.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:HSPG - NO0010012636 - Common Stock
150.02 NOK
-1.48 (-0.98%)
HSPG gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 111 industry peers in the Banks industry. HSPG has a bad profitability rating. Also its financial health evaluation is rather negative. HSPG has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
- HSPG had positive earnings in the past year.
- In the past year HSPG has reported a negative cash flow from operations.
- In the past 5 years HSPG has always been profitable.
- The reported operating cash flow has been mixed in the past 5 years: HSPG reported negative operating cash flow in multiple years.
1.2 Ratios
- HSPG has a worse Return On Assets (0.08%) than 93.69% of its industry peers.
- The Return On Equity of HSPG (0.68%) is worse than 93.69% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.08% | ||
| ROE | 0.68% | ||
| ROIC | N/A |
ROA(3y)0.1%
ROA(5y)0.1%
ROE(3y)0.85%
ROE(5y)0.98%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- HSPG's Profit Margin of 3.76% is on the low side compared to the rest of the industry. HSPG is outperformed by 93.69% of its industry peers.
- HSPG's Profit Margin has declined in the last couple of years.
- The Operating Margin and Gross Margin are not available for HSPG so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 3.76% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.02%
PM growth 5Y-7.52%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- HSPG does not have a ROIC to compare to the WACC, probably because it is not profitable.
- Compared to 1 year ago, HSPG has about the same amount of shares outstanding.
- Compared to 5 years ago, HSPG has less shares outstanding
- The debt/assets ratio for HSPG is higher compared to a year ago.
2.2 Solvency
- A Debt/Equity ratio of 2.59 is on the high side and indicates that HSPG has dependencies on debt financing.
- HSPG's Debt to Equity ratio of 2.59 is on the low side compared to the rest of the industry. HSPG is outperformed by 63.06% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.59 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC4.36%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- HSPG shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 0.59%.
- The Earnings Per Share has been decreasing by -3.00% on average over the past years.
- Looking at the last year, HSPG shows a small growth in Revenue. The Revenue has grown by 0.69% in the last year.
- The Revenue has been growing slightly by 4.52% on average over the past years.
EPS 1Y (TTM)0.59%
EPS 3Y-8.03%
EPS 5Y-3%
EPS Q2Q%-69.38%
Revenue 1Y (TTM)0.69%
Revenue growth 3Y4.97%
Revenue growth 5Y4.52%
Sales Q2Q%-8.25%
3.2 Future
- Based on estimates for the next years, HSPG will show a small growth in Earnings Per Share. The EPS will grow by 3.27% on average per year.
- The Revenue is expected to grow by 1.92% on average over the next years.
EPS Next Y-0.22%
EPS Next 2Y-3.05%
EPS Next 3Y3.27%
EPS Next 5YN/A
Revenue Next Year-4.28%
Revenue Next 2Y0.49%
Revenue Next 3Y1.92%
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 accelerating.
- 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
- HSPG is valuated rather expensively with a Price/Earnings ratio of 17.65.
- Based on the Price/Earnings ratio, HSPG is valued expensively inside the industry as 90.99% of the companies are valued cheaper.
- The average S&P500 Price/Earnings ratio is at 27.21. HSPG is valued slightly cheaper when compared to this.
- The Price/Forward Earnings ratio is 16.51, which indicates a correct valuation of HSPG.
- Based on the Price/Forward Earnings ratio, HSPG is valued more expensive than 81.98% of the companies in the same industry.
- HSPG's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 24.26.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.65 | ||
| Fwd PE | 16.51 |
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)N/A
EPS Next 2Y-3.05%
EPS Next 3Y3.27%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 5.88%, HSPG is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 3.94, HSPG pays a bit more dividend than its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.81, HSPG pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.88% |
5.2 History
- The dividend of HSPG decreases each year by -2.28%.
Dividend Growth(5Y)-2.28%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
- 81.49% of the earnings are spent on dividend by HSPG. This is not a sustainable payout ratio.
DP81.49%
EPS Next 2Y-3.05%
EPS Next 3Y3.27%
HOLAND OG SETSKOG SPAREBANK / HSPG.OL FAQ
What is the ChartMill fundamental rating of HOLAND OG SETSKOG SPAREBANK (HSPG.OL) stock?
ChartMill assigns a fundamental rating of 2 / 10 to HSPG.OL.
Can you provide the valuation status for HOLAND OG SETSKOG SPAREBANK?
ChartMill assigns a valuation rating of 1 / 10 to HOLAND OG SETSKOG SPAREBANK (HSPG.OL). This can be considered as Overvalued.
Can you provide the profitability details for HOLAND OG SETSKOG SPAREBANK?
HOLAND OG SETSKOG SPAREBANK (HSPG.OL) has a profitability rating of 1 / 10.
What are the PE and PB ratios of HOLAND OG SETSKOG SPAREBANK (HSPG.OL) stock?
The Price/Earnings (PE) ratio for HOLAND OG SETSKOG SPAREBANK (HSPG.OL) is 17.65 and the Price/Book (PB) ratio is 0.09.
What is the financial health of HOLAND OG SETSKOG SPAREBANK (HSPG.OL) stock?
The financial health rating of HOLAND OG SETSKOG SPAREBANK (HSPG.OL) is 1 / 10.