HOLAND OG SETSKOG SPAREBANK (HSPG.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:HSPG - NO0010012636 - Common Stock
153.02 NOK
+0.52 (+0.34%)
Overall HSPG gets a fundamental rating of 2 out of 10. We evaluated HSPG against 114 industry peers in the Banks industry. Both the profitability and financial health of HSPG have multiple concerns. HSPG is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
HSPG had positive earnings in the past year.
HSPG had a negative operating cash flow in the past year.
HSPG had positive earnings in each of the past 5 years.
In multiple years HSPG reported negative operating cash flow during the last 5 years.
1.2 Ratios
HSPG has a worse Return On Assets (0.10%) than 91.23% of its industry peers.
HSPG has a Return On Equity of 0.92%. This is amonst the worse of the industry: HSPG underperforms 91.23% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.1% | ||
| ROE | 0.92% | ||
| 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 4.50%. This is amonst the worse of the industry: HSPG underperforms 91.23% of its industry peers.
HSPG's Profit Margin has declined in the last couple of years.
HSPG does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 4.5% | ||
| 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.
HSPG has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, HSPG has less shares outstanding
Compared to 1 year ago, HSPG has a worse debt to assets ratio.
2.2 Solvency
A Debt/Equity ratio of 2.88 is on the high side and indicates that HSPG has dependencies on debt financing.
HSPG has a worse Debt to Equity ratio (2.88) than 65.79% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.88 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC4.37%
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%.
Measured over the past years, HSPG shows a decrease in Earnings Per Share. The EPS has been decreasing by -3.00% on average per year.
The Revenue has been growing slightly by 2.98% in the past 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)2.98%
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 6.09% on average per year.
The Revenue is expected to grow by 1.92% on average over the next years.
EPS Next Y6.01%
EPS Next 2Y-4.92%
EPS Next 3Y6.09%
EPS Next 5YN/A
Revenue Next Year-4.28%
Revenue Next 2Y0.49%
Revenue Next 3Y1.92%
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 decreasing.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 18.00, which indicates a rather expensive current valuation of HSPG.
87.72% 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 (26.60), we can say HSPG is valued slightly cheaper.
Based on the Price/Forward Earnings ratio of 17.51, the valuation of HSPG can be described as rather expensive.
Compared to the rest of the industry, the Price/Forward Earnings ratio of HSPG indicates a rather expensive valuation: HSPG more expensive than 81.58% of the companies listed in the same industry.
HSPG is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.23, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18 | ||
| Fwd PE | 17.51 |
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 HSPG does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)3
PEG (5Y)N/A
EPS Next 2Y-4.92%
EPS Next 3Y6.09%
5. Dividend
5.1 Amount
HSPG has a Yearly Dividend Yield of 5.50%, which is a nice return.
HSPG's Dividend Yield is a higher than the industry average which is at 3.98.
Compared to an average S&P500 Dividend Yield of 1.94, HSPG pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.5% |
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 66.98% of its income as dividend. This is not a sustainable payout ratio.
DP66.98%
EPS Next 2Y-4.92%
EPS Next 3Y6.09%
OSL:HSPG (1/2/2026, 7:00:00 PM)
153.02
+0.52 (+0.34%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners5.53%
Inst Owner ChangeN/A
Ins Owners23.84%
Ins Owner ChangeN/A
Market Cap105.58M
Revenue(TTM)207.92M
Net Income(TTM)9.24M
Analysts37.78
Price Target112.2 (-26.68%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.5% |
Yearly Dividend7
Dividend Growth(5Y)-2.28%
DP66.98%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-15.6%
Min EPS beat(2)-26.17%
Max EPS beat(2)-5.04%
EPS beat(4)2
Avg EPS beat(4)38.34%
Min EPS beat(4)-26.17%
Max EPS beat(4)171.15%
EPS beat(8)4
Avg EPS beat(8)17.66%
EPS beat(12)4
Avg EPS beat(12)-1.93%
EPS beat(16)4
Avg EPS beat(16)-6.74%
Revenue beat(2)1
Avg Revenue beat(2)14.33%
Min Revenue beat(2)-7.6%
Max Revenue beat(2)36.27%
Revenue beat(4)3
Avg Revenue beat(4)10.15%
Min Revenue beat(4)-7.6%
Max Revenue beat(4)36.27%
Revenue beat(8)5
Avg Revenue beat(8)6.76%
Revenue beat(12)8
Avg Revenue beat(12)6.75%
Revenue beat(16)11
Avg Revenue beat(16)8.27%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18 | ||
| Fwd PE | 17.51 | ||
| P/S | 0.51 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.1 | ||
| P/tB | 0.1 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.5
EY5.55%
EPS(NY)8.74
Fwd EY5.71%
FCF(TTM)-414.57
FCFYN/A
OCF(TTM)-324.48
OCFYN/A
SpS297.92
BVpS1461.44
TBVpS1461.44
PEG (NY)3
PEG (5Y)N/A
Graham Number528.68
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.1% | ||
| ROE | 0.92% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 4.5% | ||
| 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
ROICexgc growth 3YN/A
ROICexgc 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 | 2.88 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 30.24% | ||
| 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
WACC4.37%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)3.97%
Cap/Sales(5y)5.61%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)0.59%
EPS 3Y-8.03%
EPS 5Y-3%
EPS Q2Q%-69.38%
EPS Next Y6.01%
EPS Next 2Y-4.92%
EPS Next 3Y6.09%
EPS Next 5YN/A
Revenue 1Y (TTM)2.98%
Revenue growth 3Y4.97%
Revenue growth 5Y4.52%
Sales Q2Q%-8.25%
Revenue Next Year-4.28%
Revenue Next 2Y0.49%
Revenue Next 3Y1.92%
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 1Y15.17%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y31.33%
OCF growth 3YN/A
OCF growth 5YN/A
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 18 and the Price/Book (PB) ratio is 0.1.
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.