JAREN SPAREBANK (JAREN.OL) Fundamental Analysis & Valuation

OSL:JAREN • NO0010359433

Current stock price

356.1 NOK
-4.4 (-1.22%)
Last:

This JAREN.OL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. JAREN.OL Profitability Analysis

1.1 Basic Checks

  • In the past year JAREN was profitable.
  • In the past year JAREN has reported a negative cash flow from operations.
  • JAREN had positive earnings in each of the past 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: JAREN reported negative operating cash flow in multiple years.
JAREN.OL Yearly Net Income VS EBIT VS OCF VS FCFJAREN.OL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M -200M -300M

1.2 Ratios

  • With a Return On Assets value of 0.76%, JAREN perfoms like the industry average, outperforming 48.18% of the companies in the same industry.
  • JAREN's Return On Equity of 5.68% is on the low side compared to the rest of the industry. JAREN is outperformed by 72.73% of its industry peers.
Industry RankSector Rank
ROA 0.76%
ROE 5.68%
ROIC N/A
ROA(3y)0.75%
ROA(5y)0.66%
ROE(3y)5.38%
ROE(5y)4.82%
ROIC(3y)N/A
ROIC(5y)N/A
JAREN.OL Yearly ROA, ROE, ROICJAREN.OL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3 4 5

1.3 Margins

  • JAREN's Profit Margin of 26.39% is fine compared to the rest of the industry. JAREN outperforms 70.91% of its industry peers.
  • JAREN's Profit Margin has improved in the last couple of years.
  • JAREN does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 26.39%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y6.44%
PM growth 5Y9.6%
GM growth 3YN/A
GM growth 5YN/A
JAREN.OL Yearly Profit, Operating, Gross MarginsJAREN.OL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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1

2. JAREN.OL Health Analysis

2.1 Basic Checks

  • JAREN does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, JAREN has less shares outstanding
  • The number of shares outstanding for JAREN has been reduced compared to 5 years ago.
  • JAREN has a worse debt/assets ratio than last year.
JAREN.OL Yearly Shares OutstandingJAREN.OL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1M 2M 3M 4M
JAREN.OL Yearly Total Debt VS Total AssetsJAREN.OL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

2.2 Solvency

  • JAREN has a Debt/Equity ratio of 1.58. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of JAREN (1.58) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 1.58
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC6.21%
JAREN.OL Yearly LT Debt VS Equity VS FCFJAREN.OL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B 2B 3B 4B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
JAREN.OL Yearly Current Assets VS Current LiabilitesJAREN.OL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. JAREN.OL Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 12.27% over the past year.
  • The Earnings Per Share has been growing by 21.80% on average over the past years. This is a very strong growth
  • Looking at the last year, JAREN shows a small growth in Revenue. The Revenue has grown by 7.48% in the last year.
  • Measured over the past years, JAREN shows a quite strong growth in Revenue. The Revenue has been growing by 11.62% on average per year.
EPS 1Y (TTM)12.27%
EPS 3Y17.44%
EPS 5Y21.8%
EPS Q2Q%28.85%
Revenue 1Y (TTM)7.48%
Revenue growth 3Y10.79%
Revenue growth 5Y11.62%
Sales Q2Q%7.63%

3.2 Future

  • Based on estimates for the next years, JAREN will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.67% on average per year.
  • JAREN is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.12% yearly.
EPS Next Y2.54%
EPS Next 2Y8.67%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.46%
Revenue Next 2Y9.12%
Revenue Next 3YN/A
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.
JAREN.OL Yearly Revenue VS EstimatesJAREN.OL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M
JAREN.OL Yearly EPS VS EstimatesJAREN.OL Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 10 20 30

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3

4. JAREN.OL Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 11.45, the valuation of JAREN can be described as very reasonable.
  • JAREN's Price/Earnings ratio is a bit more expensive when compared to the industry. JAREN is more expensive than 67.27% of the companies in the same industry.
  • JAREN is valuated cheaply when we compare the Price/Earnings ratio to 25.23, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 11.17, the valuation of JAREN can be described as reasonable.
  • Based on the Price/Forward Earnings ratio, JAREN is valued a bit more expensive than the industry average as 64.55% of the companies are valued more cheaply.
  • When comparing the Price/Forward Earnings ratio of JAREN to the average of the S&P500 Index (22.42), we can say JAREN is valued rather cheaply.
Industry RankSector Rank
PE 11.45
Fwd PE 11.17
JAREN.OL Price Earnings VS Forward Price EarningsJAREN.OL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
JAREN.OL Per share dataJAREN.OL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 200 400

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates JAREN does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)4.51
PEG (5Y)0.53
EPS Next 2Y8.67%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. JAREN.OL Dividend Analysis

5.1 Amount

  • JAREN has a Yearly Dividend Yield of 5.63%, which is a nice return.
  • JAREN's Dividend Yield is a higher than the industry average which is at 4.75.
  • Compared to an average S&P500 Dividend Yield of 1.89, JAREN pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.63%

5.2 History

  • On average, the dividend of JAREN grows each year by 37.55%, which is quite nice.
Dividend Growth(5Y)37.55%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • JAREN pays out 112.45% of its income as dividend. This is not a sustainable payout ratio.
  • JAREN's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP112.45%
EPS Next 2Y8.67%
EPS Next 3YN/A
JAREN.OL Yearly Income VS Free CF VS DividendJAREN.OL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M -200M -300M
JAREN.OL Dividend Payout.JAREN.OL Dividend Payout, showing the Payout Ratio.JAREN.OL Dividend Payout.PayoutRetained Earnings

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JAREN.OL Fundamentals: All Metrics, Ratios and Statistics

JAREN SPAREBANK

OSL:JAREN (3/23/2026, 11:59:23 AM)

356.1

-4.4 (-1.22%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-12
Earnings (Next)05-13
Inst Owners7.78%
Inst Owner ChangeN/A
Ins Owners5.26%
Ins Owner ChangeN/A
Market Cap1.76B
Revenue(TTM)604.58M
Net Income(TTM)159.57M
Analysts40
Price Target400.86 (12.57%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.63%
Yearly Dividend36.43
Dividend Growth(5Y)37.55%
DP112.45%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-3.43%
Min EPS beat(2)-15.82%
Max EPS beat(2)8.96%
EPS beat(4)2
Avg EPS beat(4)-4.02%
Min EPS beat(4)-16.99%
Max EPS beat(4)8.96%
EPS beat(8)3
Avg EPS beat(8)-2.27%
EPS beat(12)4
Avg EPS beat(12)-3.02%
EPS beat(16)4
Avg EPS beat(16)-4.77%
Revenue beat(2)1
Avg Revenue beat(2)-2.62%
Min Revenue beat(2)-7.72%
Max Revenue beat(2)2.49%
Revenue beat(4)1
Avg Revenue beat(4)-3.76%
Min Revenue beat(4)-7.72%
Max Revenue beat(4)2.49%
Revenue beat(8)3
Avg Revenue beat(8)-1.98%
Revenue beat(12)5
Avg Revenue beat(12)0.9%
Revenue beat(16)9
Avg Revenue beat(16)4.94%
PT rev (1m)0%
PT rev (3m)7.67%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-0.13%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.09%
Valuation
Industry RankSector Rank
PE 11.45
Fwd PE 11.17
P/S 2.9
P/FCF N/A
P/OCF N/A
P/B 0.63
P/tB 0.63
EV/EBITDA N/A
EPS(TTM)31.1
EY8.73%
EPS(NY)31.89
Fwd EY8.96%
FCF(TTM)-61.36
FCFYN/A
OCF(TTM)-59.76
OCFYN/A
SpS122.63
BVpS569.43
TBVpS569.43
PEG (NY)4.51
PEG (5Y)0.53
Graham Number631.24
Profitability
Industry RankSector Rank
ROA 0.76%
ROE 5.68%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.39%
GM N/A
FCFM N/A
ROA(3y)0.75%
ROA(5y)0.66%
ROE(3y)5.38%
ROE(5y)4.82%
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 3Y6.44%
PM growth 5Y9.6%
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 1.58
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 1.3%
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
WACC6.21%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)1.36%
Cap/Sales(5y)1.54%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)12.27%
EPS 3Y17.44%
EPS 5Y21.8%
EPS Q2Q%28.85%
EPS Next Y2.54%
EPS Next 2Y8.67%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.48%
Revenue growth 3Y10.79%
Revenue growth 5Y11.62%
Sales Q2Q%7.63%
Revenue Next Year8.46%
Revenue Next 2Y9.12%
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-124.71%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-131.74%
OCF growth 3YN/A
OCF growth 5YN/A

JAREN SPAREBANK / JAREN.OL Fundamental Analysis FAQ

What is the fundamental rating for JAREN stock?

ChartMill assigns a fundamental rating of 3 / 10 to JAREN.OL.


What is the valuation status of JAREN SPAREBANK (JAREN.OL) stock?

ChartMill assigns a valuation rating of 2 / 10 to JAREN SPAREBANK (JAREN.OL). This can be considered as Overvalued.


How profitable is JAREN SPAREBANK (JAREN.OL) stock?

JAREN SPAREBANK (JAREN.OL) has a profitability rating of 3 / 10.


How financially healthy is JAREN SPAREBANK?

The financial health rating of JAREN SPAREBANK (JAREN.OL) is 1 / 10.


What is the expected EPS growth for JAREN SPAREBANK (JAREN.OL) stock?

The Earnings per Share (EPS) of JAREN SPAREBANK (JAREN.OL) is expected to grow by 2.54% in the next year.