JAREN SPAREBANK (JAREN.OL) Fundamental Analysis & Valuation

OSL:JAREN • NO0010359433

Current stock price

350 NOK
0 (0%)
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

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

  • Looking at the Return On Assets, with a value of 0.76%, JAREN is in line with its industry, outperforming 49.09% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 5.68%, JAREN is doing worse than 73.64% of the companies in the same industry.
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

  • With a decent Profit Margin value of 26.39%, JAREN is doing good in the industry, outperforming 69.09% of the companies in the same industry.
  • JAREN's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for JAREN so they could not be analyzed.
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.
  • The number of shares outstanding for JAREN has been reduced compared to 1 year ago.
  • Compared to 5 years ago, JAREN has less shares outstanding
  • 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

  • A Debt/Equity ratio of 1.58 is on the high side and indicates that JAREN has dependencies on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 1.58, JAREN is in line with its industry, outperforming 53.64% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.58
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC6.42%
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

  • JAREN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.27%, which is quite good.
  • JAREN shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 21.80% yearly.
  • JAREN shows a small growth in Revenue. In the last year, the Revenue has grown by 7.48%.
  • JAREN shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.62% yearly.
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

  • JAREN is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.67% yearly.
  • The Revenue is expected to grow by 9.12% on average over the next years. This is quite good.
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

  • A Price/Earnings ratio of 11.25 indicates a reasonable valuation of JAREN.
  • The rest of the industry has a similar Price/Earnings ratio as JAREN.
  • The average S&P500 Price/Earnings ratio is at 27.89. JAREN is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 10.98 indicates a reasonable valuation of JAREN.
  • JAREN's Price/Forward Earnings ratio is in line with the industry average.
  • JAREN is valuated cheaply when we compare the Price/Forward Earnings ratio to 38.50, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.25
Fwd PE 10.98
JAREN.OL Price Earnings VS Forward Price EarningsJAREN.OL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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)4.44
PEG (5Y)0.52
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 5.71%, which is a nice return.
  • Compared to an average industry Dividend Yield of 4.47, JAREN pays a bit more dividend than its industry peers.
  • JAREN's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 5.71%

5.2 History

  • The dividend of JAREN is nicely growing with an annual growth rate of 37.55%!
Dividend Growth(5Y)37.55%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • 112.45% 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.
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 (4/17/2026, 7:00:00 PM)

350

0 (0%)

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 Cap1.73B
Revenue(TTM)604.58M
Net Income(TTM)159.57M
Analysts40
Price Target400.86 (14.53%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.71%
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)0%
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 11.25
Fwd PE 10.98
P/S 2.85
P/FCF N/A
P/OCF N/A
P/B 0.61
P/tB 0.61
EV/EBITDA N/A
EPS(TTM)31.1
EY8.89%
EPS(NY)31.89
Fwd EY9.11%
FCF(TTM)-61.36
FCFYN/A
OCF(TTM)-59.76
OCFYN/A
SpS122.63
BVpS569.43
TBVpS569.43
PEG (NY)4.44
PEG (5Y)0.52
Graham Number631.235 (80.35%)
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
WACC6.42%
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 3 / 10 to JAREN SPAREBANK (JAREN.OL). This can be considered as Overvalued.


Can you provide the profitability details for JAREN SPAREBANK?

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


What are the PE and PB ratios of JAREN SPAREBANK (JAREN.OL) stock?

The Price/Earnings (PE) ratio for JAREN SPAREBANK (JAREN.OL) is 11.25 and the Price/Book (PB) ratio is 0.61.


What is the earnings growth outlook for JAREN SPAREBANK?

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