HOLAND OG SETSKOG SPAREBANK(OSL:HSPG) stock Fundamental Analysis

Fundamental Rating

Overall HSPG gets a fundamental rating of 2 out of 10. We evaluated HSPG against 95 industry peers in the Banks industry. HSPG has a bad profitability rating. Also its financial health evaluation is rather negative. While showing a medium growth rate, HSPG is valued expensive at the moment.

Quickly go to:

1. Profitability

1.1 Basic Checks

In the past year HSPG was profitable.

In the past year HSPG has reported a negative cash flow from operations.

Each year in the past 5 years HSPG has been profitable.

In multiple years HSPG reported negative operating cash flow during the last 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.09%, HSPG is doing worse than 90.53% of the companies in the same industry.

HSPG has a worse Return On Equity (0.82%) than 90.53% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.09%
ROE	0.82%
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 has a Profit Margin of 3.99%. This is amonst the worse of the industry: HSPG underperforms 90.53% of its industry peers.

In the last couple of years the Profit Margin of HSPG has declined.

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)	3.99%
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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

2. Health

2.1 Basic Checks

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

The number of shares outstanding for HSPG remains at a similar level compared to 1 year ago.

HSPG has less shares outstanding than it did 5 years ago.

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

2.2 Solvency

HSPG has a Debt/Equity ratio of 2.78. This is a high value indicating a heavy dependency on external financing.

Looking at the Debt to Equity ratio, with a value of 2.78, HSPG is doing worse than 69.47% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	2.78
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC4.42%

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

HSPG shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -4.54%.

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 0.76% in the last year.

The Revenue has been growing slightly by 4.52% on average over the past years.

EPS 1Y (TTM)-4.54%

EPS 3Y-8.03%

EPS 5Y-3%

EPS Q2Q%70.52%

Revenue 1Y (TTM)0.76%

Revenue growth 3Y4.97%

Revenue growth 5Y4.52%

Sales Q2Q%5.8%

3.2 Future

Based on estimates for the next years, HSPG will show a quite strong growth in Earnings Per Share. The EPS will grow by 17.77% on average per year.

The Revenue is expected to grow by 4.75% on average over the next years.

EPS Next Y25.63%

EPS Next 2Y17.77%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year4.56%

Revenue Next 2Y4.75%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better 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 stable.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 17.58, the valuation of HSPG can be described as rather expensive.

90.53% of the companies in the same industry are cheaper than HSPG, based on the Price/Earnings ratio.

When comparing the Price/Earnings ratio of HSPG to the average of the S&P500 Index (23.99), we can say HSPG is valued slightly cheaper.

HSPG is valuated correctly with a Price/Forward Earnings ratio of 13.99.

HSPG's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. HSPG is more expensive than 75.79% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 20.35. HSPG is valued slightly cheaper when compared to this.

		Industry Rank	Sector Rank
PE	17.58
Fwd PE	13.99

4.2 Price Multiples

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

4.3 Compensation for Growth

HSPG's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

A more expensive valuation may be justified as HSPG's earnings are expected to grow with 17.77% in the coming years.

PEG (NY)0.69

PEG (5Y)N/A

EPS Next 2Y17.77%

EPS Next 3YN/A

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

HSPG has a Yearly Dividend Yield of 5.52%, which is a nice return.

Compared to an average industry Dividend Yield of 5.30, HSPG has a dividend in line with its industry peers.

Compared to an average S&P500 Dividend Yield of 2.44, HSPG pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	5.52%

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

HSPG pays out 59.47% of its income as dividend. This is a bit on the high side, but may be sustainable.

DP59.47%

EPS Next 2Y17.77%

EPS Next 3YN/A

More info and screens

Find the best dividend stocks

Show peers with best dividend

HOLAND OG SETSKOG SPAREBANK

OSL:HSPG (5/6/2025, 7:00:00 PM)

169.96

-0.04 (-0.02%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-24 2025-04-24

Earnings (Next)08-14 2025-08-14

Inst Owners5.53%

Inst Owner ChangeN/A

Ins Owners23.05%

Ins Owner ChangeN/A

Market Cap117.27M

Analysts37.78

Price Target120.36 (-29.18%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.52%

Yearly Dividend7

Dividend Growth(5Y)-2.28%

DP59.47%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)92.29%

Min EPS beat(2)13.42%

Max EPS beat(2)171.15%

EPS beat(4)3

Avg EPS beat(4)50.22%

Min EPS beat(4)-62.16%

Max EPS beat(4)171.15%

EPS beat(8)4

Avg EPS beat(8)11.89%

EPS beat(12)4

Avg EPS beat(12)-0.53%

EPS beat(16)5

Avg EPS beat(16)-4.67%

Revenue beat(2)2

Avg Revenue beat(2)5.97%

Min Revenue beat(2)0.77%

Max Revenue beat(2)11.17%

Revenue beat(4)3

Avg Revenue beat(4)6.51%

Min Revenue beat(4)-2.54%

Max Revenue beat(4)16.62%

Revenue beat(8)5

Avg Revenue beat(8)5.09%

Revenue beat(12)8

Avg Revenue beat(12)7.06%

Revenue beat(16)11

Avg Revenue beat(16)7.5%

PT rev (1m)0%

PT rev (3m)0%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)0%

EPS NY rev (3m)3.39%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0%

Revenue NY rev (3m)2.7%

Valuation

		Industry Rank	Sector Rank
PE	17.58
Fwd PE	13.99
P/S	0.58
P/FCF	N/A
P/OCF	N/A
P/B	0.12
P/tB	0.12
EV/EBITDA	N/A

EPS(TTM)9.67

EY5.69%

EPS(NY)12.15

Fwd EY7.15%

FCF(TTM)-805.5

FCFYN/A

OCF(TTM)-782.36

OCFYN/A

SpS294.11

BVpS1432.59

TBVpS1432.59

PEG (NY)0.69

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.09%
ROE	0.82%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	3.99%
GM	N/A
FCFM	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

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 3Y-7.02%

PM growth 5Y-7.52%

GM growth 3YN/A

GM growth 5YN/A

F-Score3

Asset Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	2.78
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	7.87%
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

WACC4.42%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)3.99%

Cap/Sales(5y)5.62%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-4.54%

EPS 3Y-8.03%

EPS 5Y-3%

EPS Q2Q%70.52%

EPS Next Y25.63%

EPS Next 2Y17.77%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)0.76%

Revenue growth 3Y4.97%

Revenue growth 5Y4.52%

Sales Q2Q%5.8%

Revenue Next Year4.56%

Revenue Next 2Y4.75%

Revenue Next 3YN/A

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-309.54%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-302.26%

OCF growth 3YN/A

OCF growth 5YN/A

HOLAND OG SETSKOG SPAREBANK (HSPG.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