JAREN Fundamental Analysis - JAREN SPAREBANK

Fundamental Rating

Taking everything into account, JAREN scores 3 out of 10 in our fundamental rating. JAREN was compared to 91 industry peers in the Banks industry. Both the profitability and financial health of JAREN have multiple concerns. JAREN is valied quite expensively at the moment, while it does show a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year JAREN was profitable.

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

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

The reported operating cash flow has been mixed in the past 5 years: JAREN reported negative operating cash flow in multiple years.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.73%, JAREN is in line with its industry, outperforming 52.75% of the companies in the same industry.

Looking at the Return On Equity, with a value of 5.29%, JAREN is doing worse than 69.23% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.73%
ROE	5.29%
ROIC	N/A

ROA(3y)0.69%

ROA(5y)0.59%

ROE(3y)4.89%

ROE(5y)4.27%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 25.02%, JAREN is in the better half of the industry, outperforming 68.13% of the companies in the same industry.

In the last couple of years the Profit Margin of JAREN has grown nicely.

JAREN 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)	25.02%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y6.09%

PM growth 5Y3.11%

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

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

Compared to 1 year ago, JAREN has about the same amount of shares outstanding.

Compared to 5 years ago, JAREN has less shares outstanding

JAREN has a worse debt/assets ratio than last year.

2.2 Solvency

JAREN has a Debt/Equity ratio of 1.44. This is a high value indicating a heavy dependency on external financing.

With a decent Debt to Equity ratio value of 1.44, JAREN is doing good in the industry, outperforming 65.93% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	1.44
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.81%

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

JAREN shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.48%.

JAREN shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.05% yearly.

Looking at the last year, JAREN shows a small growth in Revenue. The Revenue has grown by 5.71% in the last year.

Measured over the past years, JAREN shows a quite strong growth in Revenue. The Revenue has been growing by 8.61% on average per year.

EPS 1Y (TTM)7.48%

EPS 3Y21.35%

EPS 5Y11.05%

EPS Q2Q%-6.67%

Revenue 1Y (TTM)5.71%

Revenue growth 3Y14.93%

Revenue growth 5Y8.61%

Sales Q2Q%2.7%

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 9.07% on average per year.

The Revenue is expected to grow by 5.52% on average over the next years.

EPS Next Y8.54%

EPS Next 2Y8.69%

EPS Next 3Y9.07%

EPS Next 5YN/A

Revenue Next Year7.55%

Revenue Next 2Y5.36%

Revenue Next 3Y5.52%

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is stable: in the next years the growth will be about the same 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.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 13.08, the valuation of JAREN can be described as correct.

Based on the Price/Earnings ratio, JAREN is valued a bit more expensive than 79.12% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 27.41. JAREN is valued rather cheaply when compared to this.

JAREN is valuated reasonably with a Price/Forward Earnings ratio of 10.91.

The rest of the industry has a similar Price/Forward Earnings ratio as JAREN.

Compared to an average S&P500 Price/Forward Earnings ratio of 35.19, JAREN is valued rather cheaply.

		Industry Rank	Sector Rank
PE	13.08
Fwd PE	10.91

4.2 Price Multiples

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

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

PEG (NY)1.53

PEG (5Y)1.18

EPS Next 2Y8.69%

EPS Next 3Y9.07%

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5. Dividend

5.1 Amount

JAREN has a Yearly Dividend Yield of 5.59%, which is a nice return.

JAREN's Dividend Yield is a higher than the industry average which is at 5.19.

Compared to an average S&P500 Dividend Yield of 2.35, JAREN pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	5.59%

5.2 History

On average, the dividend of JAREN grows each year by 31.60%, which is quite nice.

Dividend Growth(5Y)31.6%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

JAREN pays out 102.09% 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.

DP102.09%

EPS Next 2Y8.69%

EPS Next 3Y9.07%

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JAREN SPAREBANK

OSL:JAREN (7/11/2025, 7:00:00 PM)

357

-0.5 (-0.14%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)05-15 2025-05-15/bmo

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

Inst Owners7.11%

Inst Owner ChangeN/A

Ins Owners5.58%

Ins Owner ChangeN/A

Market Cap1.76B

Analysts40

Price Target372.3 (4.29%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.59%

Yearly Dividend29.21

Dividend Growth(5Y)31.6%

DP102.09%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-11.84%

Min EPS beat(2)-16.99%

Max EPS beat(2)-6.68%

EPS beat(4)1

Avg EPS beat(4)-3.04%

Min EPS beat(4)-16.99%

Max EPS beat(4)13.48%

EPS beat(8)2

Avg EPS beat(8)-3.78%

EPS beat(12)2

Avg EPS beat(12)-4.79%

EPS beat(16)4

Avg EPS beat(16)-5.18%

Revenue beat(2)1

Avg Revenue beat(2)-2.29%

Min Revenue beat(2)-5.49%

Max Revenue beat(2)0.9%

Revenue beat(4)2

Avg Revenue beat(4)-0.91%

Min Revenue beat(4)-5.49%

Max Revenue beat(4)5.58%

Revenue beat(8)4

Avg Revenue beat(8)2.94%

Revenue beat(12)7

Avg Revenue beat(12)7.21%

Revenue beat(16)11

Avg Revenue beat(16)8.74%

PT rev (1m)0%

PT rev (3m)-2.67%

EPS NQ rev (1m)-1.28%

EPS NQ rev (3m)19.48%

EPS NY rev (1m)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)-1.3%

Revenue NQ rev (3m)0.29%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.95%

Valuation

		Industry Rank	Sector Rank
PE	13.08
Fwd PE	10.91
P/S	3.12
P/FCF	N/A
P/OCF	N/A
P/B	0.66
P/tB	0.66
EV/EBITDA	N/A

EPS(TTM)27.3

EY7.65%

EPS(NY)32.72

Fwd EY9.17%

FCF(TTM)-44.71

FCFYN/A

OCF(TTM)-43.05

OCFYN/A

SpS114.42

BVpS541.17

TBVpS541.17

PEG (NY)1.53

PEG (5Y)1.18

Profitability

		Industry Rank	Sector Rank
ROA	0.73%
ROE	5.29%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	25.02%
GM	N/A
FCFM	N/A

ROA(3y)0.69%

ROA(5y)0.59%

ROE(3y)4.89%

ROE(5y)4.27%

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 3Y6.09%

PM growth 5Y3.11%

GM growth 3YN/A

GM growth 5YN/A

F-Score2

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	1.44
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	1.45%
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-Score2

WACC5.81%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)1.21%

Cap/Sales(5y)1.39%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)7.48%

EPS 3Y21.35%

EPS 5Y11.05%

EPS Q2Q%-6.67%

EPS Next Y8.54%

EPS Next 2Y8.69%

EPS Next 3Y9.07%

EPS Next 5YN/A

Revenue 1Y (TTM)5.71%

Revenue growth 3Y14.93%

Revenue growth 5Y8.61%

Sales Q2Q%2.7%

Revenue Next Year7.55%

Revenue Next 2Y5.36%

Revenue Next 3Y5.52%

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-248.54%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-236.79%

OCF growth 3YN/A

OCF growth 5YN/A

JAREN SPAREBANK (JAREN.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