JAREN SPAREBANK(OSL:JAREN) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, JAREN scores 3 out of 10 in our fundamental rating. JAREN was compared to 95 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

JAREN has a Return On Assets of 0.76%. This is comparable to the rest of the industry: JAREN outperforms 54.74% of its industry peers.

JAREN has a Return On Equity of 5.48%. This is in the lower half of the industry: JAREN underperforms 67.37% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.76%
ROE	5.48%
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

The Profit Margin of JAREN (25.43%) is better than 71.58% of its industry peers.

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)	25.43%
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.

JAREN has about the same amout of shares outstanding than it did 1 year ago.

Compared to 5 years ago, JAREN has less shares outstanding

The debt/assets ratio for JAREN is higher compared to a year ago.

2.2 Solvency

JAREN has a Debt/Equity ratio of 1.47. This is a high value indicating a heavy dependency on external financing.

JAREN has a Debt to Equity ratio of 1.47. This is in the better half of the industry: JAREN outperforms 67.37% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.47
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.89%

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.

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 9.02%.

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%8.33%

Revenue 1Y (TTM)9.02%

Revenue growth 3Y14.93%

Revenue growth 5Y8.61%

Sales Q2Q%8.02%

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 6.81% on average over the next years.

EPS Next Y8.54%

EPS Next 2Y8.69%

EPS Next 3Y9.07%

EPS Next 5YN/A

Revenue Next Year6.54%

Revenue Next 2Y6.27%

Revenue Next 3Y6.81%

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 12.28, the valuation of JAREN can be described as correct.

82.11% of the companies in the same industry are cheaper than JAREN, based on the Price/Earnings ratio.

Compared to an average S&P500 Price/Earnings ratio of 24.29, JAREN is valued a bit cheaper.

A Price/Forward Earnings ratio of 11.31 indicates a reasonable valuation of JAREN.

JAREN's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. JAREN is more expensive than 71.58% 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 20.42.

		Industry Rank	Sector Rank
PE	12.28
Fwd PE	11.31

4.2 Price Multiples

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

4.3 Compensation for Growth

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

PEG (NY)1.44

PEG (5Y)1.11

EPS Next 2Y8.69%

EPS Next 3Y9.07%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.80%, JAREN is a good candidate for dividend investing.

JAREN's Dividend Yield is comparable with the industry average which is at 5.30.

JAREN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.43.

		Industry Rank	Sector Rank
Dividend Yield	5.8%

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

100.74% 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.

DP100.74%

EPS Next 2Y8.69%

EPS Next 3Y9.07%

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JAREN SPAREBANK

OSL:JAREN (5/6/2025, 7:00:00 PM)

340.15

-4.85 (-1.41%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-13 2025-02-13/bmo

Earnings (Next)05-15 2025-05-15

Inst Owners7.07%

Inst Owner ChangeN/A

Ins Owners5%

Ins Owner ChangeN/A

Market Cap1.68B

Analysts40

Price Target382.5 (12.45%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.8%

Yearly Dividend29.21

Dividend Growth(5Y)31.6%

DP100.74%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)3.4%

Min EPS beat(2)-6.68%

Max EPS beat(2)13.48%

EPS beat(4)1

Avg EPS beat(4)-0.52%

Min EPS beat(4)-6.94%

Max EPS beat(4)13.48%

EPS beat(8)2

Avg EPS beat(8)-2.51%

EPS beat(12)2

Avg EPS beat(12)-5.03%

EPS beat(16)4

Avg EPS beat(16)-4.54%

Revenue beat(2)2

Avg Revenue beat(2)3.24%

Min Revenue beat(2)0.9%

Max Revenue beat(2)5.58%

Revenue beat(4)2

Avg Revenue beat(4)-0.21%

Min Revenue beat(4)-4.63%

Max Revenue beat(4)5.58%

Revenue beat(8)4

Avg Revenue beat(8)3.23%

Revenue beat(12)8

Avg Revenue beat(12)7.84%

Revenue beat(16)12

Avg Revenue beat(16)9.11%

PT rev (1m)0%

PT rev (3m)5.63%

EPS NQ rev (1m)4.47%

EPS NQ rev (3m)N/A

EPS NY rev (1m)0%

EPS NY rev (3m)-8.67%

Revenue NQ rev (1m)1.22%

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0%

Revenue NY rev (3m)7.86%

Valuation

		Industry Rank	Sector Rank
PE	12.28
Fwd PE	11.31
P/S	2.98
P/FCF	N/A
P/OCF	N/A
P/B	0.64
P/tB	0.64
EV/EBITDA	N/A

EPS(TTM)27.7

EY8.14%

EPS(NY)30.07

Fwd EY8.84%

FCF(TTM)-27.31

FCFYN/A

OCF(TTM)-25.79

OCFYN/A

SpS114.1

BVpS529.18

TBVpS529.18

PEG (NY)1.44

PEG (5Y)1.11

Profitability

		Industry Rank	Sector Rank
ROA	0.76%
ROE	5.48%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	25.43%
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-Score4

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	1.47
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	1.33%
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-Score4

WACC5.89%

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%8.33%

EPS Next Y8.54%

EPS Next 2Y8.69%

EPS Next 3Y9.07%

EPS Next 5YN/A

Revenue 1Y (TTM)9.02%

Revenue growth 3Y14.93%

Revenue growth 5Y8.61%

Sales Q2Q%8.02%

Revenue Next Year6.54%

Revenue Next 2Y6.27%

Revenue Next 3Y6.81%

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-203.73%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-242.5%

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

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