JAREN SPAREBANK (JAREN.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:JAREN - NO0010359433 - Common Stock
385 NOK
+10.05 (+2.68%)
We assign a fundamental rating of 3 out of 10 to JAREN. JAREN was compared to 113 industry peers in the Banks industry. JAREN may be in some trouble as it scores bad on both profitability and health. JAREN is valied quite expensively at the moment, while it does show a decent growth rate.
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.
In multiple years JAREN reported negative operating cash flow during the last 5 years.
1.2 Ratios
The Return On Assets of JAREN (0.77%) is comparable to the rest of the industry.
JAREN has a worse Return On Equity (5.88%) than 72.57% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.77% | ||
| ROE | 5.88% | ||
| 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 25.74%, JAREN is in the better half of the industry, outperforming 62.83% of the companies in the same industry.
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) | 25.74% | ||
| 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.
The debt/assets ratio for JAREN is higher compared to a year ago.
2.2 Solvency
JAREN has a Debt/Equity ratio of 1.57. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of JAREN (1.57) is better than 61.95% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.57 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.17%
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 8.42%, which is quite good.
Measured over the past years, JAREN shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.05% on average per year.
JAREN shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.01%.
JAREN shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.61% yearly.
EPS 1Y (TTM)8.42%
EPS 3Y21.35%
EPS 5Y11.05%
EPS Q2Q%-4.76%
Revenue 1Y (TTM)9.01%
Revenue growth 3Y14.93%
Revenue growth 5Y8.61%
Sales Q2Q%1.2%
3.2 Future
The Earnings Per Share is expected to grow by 8.37% on average over the next years. This is quite good.
The Revenue is expected to grow by 6.36% on average over the next years.
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 13.01, which indicates a correct valuation of JAREN.
Compared to the rest of the industry, the Price/Earnings ratio of JAREN indicates a slightly more expensive valuation: JAREN is more expensive than 78.76% of the companies listed in the same industry.
JAREN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.49.
The Price/Forward Earnings ratio is 12.06, which indicates a correct valuation of JAREN.
Based on the Price/Forward Earnings ratio, JAREN is valued a bit more expensive than the industry average as 73.45% of the companies are valued more cheaply.
When comparing the Price/Forward Earnings ratio of JAREN to the average of the S&P500 Index (23.69), we can say JAREN is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.01 | ||
| Fwd PE | 12.06 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
JAREN's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.9
PEG (5Y)1.18
EPS Next 2Y7.36%
EPS Next 3Y8.37%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.19%, JAREN is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.84, JAREN pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.31, JAREN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.19% |
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 116.96% 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.
DP116.96%
EPS Next 2Y7.36%
EPS Next 3Y8.37%
OSL:JAREN (12/4/2025, 7:00:00 PM)
385
+10.05 (+2.68%)
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 Cap1.90B
Revenue(TTM)555.67M
Net Income(TTM)153.42M
Analysts40
Price Target372.3 (-3.3%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.19% |
Yearly Dividend29.21
Dividend Growth(5Y)31.6%
DP116.96%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-4.61%
Min EPS beat(2)-16.99%
Max EPS beat(2)7.78%
EPS beat(4)2
Avg EPS beat(4)-0.6%
Min EPS beat(4)-16.99%
Max EPS beat(4)13.48%
EPS beat(8)2
Avg EPS beat(8)-2.97%
EPS beat(12)3
Avg EPS beat(12)-4.06%
EPS beat(16)4
Avg EPS beat(16)-5.39%
Revenue beat(2)0
Avg Revenue beat(2)-4.9%
Min Revenue beat(2)-5.49%
Max Revenue beat(2)-4.31%
Revenue beat(4)2
Avg Revenue beat(4)-0.83%
Min Revenue beat(4)-5.49%
Max Revenue beat(4)5.58%
Revenue beat(8)3
Avg Revenue beat(8)-0.93%
Revenue beat(12)6
Avg Revenue beat(12)3.43%
Revenue beat(16)10
Avg Revenue beat(16)6.01%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.01 | ||
| Fwd PE | 12.06 | ||
| P/S | 3.18 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.73 | ||
| P/tB | 0.73 | ||
| EV/EBITDA | N/A |
EPS(TTM)29.6
EY7.69%
EPS(NY)31.93
Fwd EY8.29%
FCF(TTM)-100.69
FCFYN/A
OCF(TTM)-99.39
OCFYN/A
SpS120.89
BVpS528.93
TBVpS528.93
PEG (NY)0.9
PEG (5Y)1.18
Graham Number593.52
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.77% | ||
| ROE | 5.88% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 25.74% | ||
| 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
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 3Y6.09%
PM growth 5Y3.11%
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.57 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 1.08% | ||
| 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
WACC6.17%
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)8.42%
EPS 3Y21.35%
EPS 5Y11.05%
EPS Q2Q%-4.76%
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%1.2%
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-1481.68%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-2477.25%
OCF growth 3YN/A
OCF growth 5YN/A
JAREN SPAREBANK / JAREN.OL 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 for JAREN stock?
ChartMill assigns a valuation rating of 3 / 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.
Can you provide the financial health for JAREN stock?
The financial health rating of JAREN SPAREBANK (JAREN.OL) is 1 / 10.
Can you provide the expected EPS growth for JAREN stock?
The Earnings per Share (EPS) of JAREN SPAREBANK (JAREN.OL) is expected to grow by 14.38% in the next year.