JAREN Fundamental Analysis - JAREN SPAREBANK

Fundamental Rating

Overall JAREN gets a fundamental rating of 3 out of 10. We evaluated JAREN against 96 industry peers in the Banks industry. JAREN has a bad profitability rating. Also its financial health evaluation is rather negative. 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

JAREN had positive earnings in the past year.

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

JAREN has a Return On Assets of 0.73%. This is comparable to the rest of the industry: JAREN outperforms 53.13% of its industry peers.

JAREN has a worse Return On Equity (5.29%) than 69.79% of its industry peers.

		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

JAREN has a better Profit Margin (25.02%) than 65.63% 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 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.

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.

2.2 Solvency

A Debt/Equity ratio of 1.44 is on the high side and indicates that JAREN has dependencies on debt financing.

With a decent Debt to Equity ratio value of 1.44, JAREN is doing good in the industry, outperforming 65.63% 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

WACC5.86%

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

The Earnings Per Share has grown by an nice 14.94% over the past year.

The Earnings Per Share has been growing by 11.05% on average over the past years. This is quite good.

The Revenue has grown by 9.01% in the past year. This is quite good.

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)14.94%

EPS 3Y21.35%

EPS 5Y11.05%

EPS Q2Q%N/A

Revenue 1Y (TTM)9.01%

Revenue growth 3Y14.93%

Revenue growth 5Y8.61%

Sales Q2Q%5.21%

3.2 Future

The Earnings Per Share is expected to grow by 8.37% on average over the next years. This is quite good.

Based on estimates for the next years, JAREN will show a small growth in Revenue. The Revenue will grow by 6.36% on average per year.

EPS Next Y14.38%

EPS Next 2Y7.36%

EPS Next 3Y8.37%

EPS Next 5YN/A

Revenue Next Year6.19%

Revenue Next 2Y5.77%

Revenue Next 3Y6.36%

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 decreasing.

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

A Price/Earnings ratio of 13.79 indicates a correct valuation of JAREN.

Compared to the rest of the industry, the Price/Earnings ratio of JAREN indicates a rather expensive valuation: JAREN more expensive than 80.21% of the companies listed in the same industry.

The average S&P500 Price/Earnings ratio is at 27.06. JAREN is valued slightly cheaper when compared to this.

JAREN is valuated reasonably with a Price/Forward Earnings ratio of 11.96.

Based on the Price/Forward Earnings ratio, JAREN is valued a bit more expensive than 70.83% of the companies in the same industry.

JAREN's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.69.

		Industry Rank	Sector Rank
PE	13.79
Fwd PE	11.96

4.2 Price Multiples

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

4.3 Compensation for Growth

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

PEG (NY)0.96

PEG (5Y)1.25

EPS Next 2Y7.36%

EPS Next 3Y8.37%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.33%, JAREN is a good candidate for dividend investing.

JAREN's Dividend Yield is comparable with the industry average which is at 5.01.

Compared to an average S&P500 Dividend Yield of 2.32, JAREN pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	5.33%

5.2 History

The dividend of JAREN is nicely growing with an annual growth rate of 31.60%!

Dividend Growth(5Y)31.6%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

102.09% of the earnings are spent on dividend by JAREN. This is not a sustainable payout ratio.

The dividend of JAREN is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP102.09%

EPS Next 2Y7.36%

EPS Next 3Y8.37%

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JAREN SPAREBANK

OSL:JAREN (9/5/2025, 7:00:00 PM)

382

+8 (+2.14%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)08-14 2025-08-14

Earnings (Next)11-06 2025-11-06

Inst Owners7.11%

Inst Owner ChangeN/A

Ins Owners5.58%

Ins Owner ChangeN/A

Market Cap1.88B

Analysts40

Price Target372.3 (-2.54%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.33%

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)0%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-1.28%

EPS NY rev (1m)5.38%

EPS NY rev (3m)5.38%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-1.3%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-1.26%

Valuation

		Industry Rank	Sector Rank
PE	13.79
Fwd PE	11.96
P/S	3.34
P/FCF	N/A
P/OCF	N/A
P/B	0.71
P/tB	0.71
EV/EBITDA	N/A

EPS(TTM)27.7

EY7.25%

EPS(NY)31.93

Fwd EY8.36%

FCF(TTM)-44.71

FCFYN/A

OCF(TTM)-43.05

OCFYN/A

SpS114.42

BVpS541.17

TBVpS541.17

PEG (NY)0.96

PEG (5Y)1.25

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

WACC5.86%

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)14.94%

EPS 3Y21.35%

EPS 5Y11.05%

EPS Q2Q%N/A

EPS Next Y14.38%

EPS Next 2Y7.36%

EPS Next 3Y8.37%

EPS Next 5YN/A

Revenue 1Y (TTM)9.01%

Revenue growth 3Y14.93%

Revenue growth 5Y8.61%

Sales Q2Q%5.21%

Revenue Next Year6.19%

Revenue Next 2Y5.77%

Revenue Next 3Y6.36%

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