JAREN SPAREBANK (JAREN.OL) Stock Fundamental Analysis
Europe - OSL:JAREN - NO0010359433 - Common Stock
382 NOK
+7 (+1.87%)
Overall JAREN gets a fundamental rating of 3 out of 10. We evaluated JAREN against 97 industry peers in the Banks industry. JAREN may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, JAREN is valued expensive at the moment.
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.
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.
1.2 Ratios
JAREN has a Return On Assets of 0.73%. This is comparable to the rest of the industry: JAREN outperforms 53.61% of its industry peers.
With a Return On Equity value of 5.29%, JAREN is not doing good in the industry: 70.10% of the companies in the same industry are doing better.
| 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 63.92% 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
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.
JAREN has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, JAREN has a worse debt to assets ratio.
2.2 Solvency
A Debt/Equity ratio of 1.44 is on the high side and indicates that JAREN has dependencies on debt financing.
JAREN's Debt to Equity ratio of 1.44 is fine compared to the rest of the industry. JAREN outperforms 63.92% of its industry peers.
| 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 |
3. Growth
3.1 Past
JAREN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 14.94%, which is quite good.
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
The EPS growth rate is decreasing: in the next years the growth will be less 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
With a Price/Earnings ratio of 13.79, JAREN is valued correctly.
78.35% of the companies in the same industry are cheaper than JAREN, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of JAREN to the average of the S&P500 Index (27.67), we can say JAREN is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 11.96, the valuation of JAREN can be described as reasonable.
69.07% of the companies in the same industry are cheaper than JAREN, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 23.13. JAREN is valued slightly cheaper when compared to this.
| 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%
5. Dividend
5.1 Amount
JAREN has a Yearly Dividend Yield of 5.33%, which is a nice return.
JAREN's Dividend Yield is a higher than the industry average which is at 5.02.
Compared to an average S&P500 Dividend Yield of 2.41, 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%
OSL:JAREN (9/29/2025, 7:00:00 PM)
382
+7 (+1.87%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners7.78%
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)0%
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