SPAREBANK 1 NORD-NORGE (NONG.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:NONG - NO0006000801 - Common Stock
139.02 NOK
-0.34 (-0.24%)
We assign a fundamental rating of 4 out of 10 to NONG. NONG was compared to 103 industry peers in the Banks industry. NONG has a bad profitability rating. Also its financial health evaluation is rather negative. NONG is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year NONG was profitable.
In the past year NONG had a positive cash flow from operations.
NONG had positive earnings in each of the past 5 years.
In the past 5 years NONG always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of NONG (1.12%) is better than 72.64% of its industry peers.
NONG's Return On Equity of 8.16% is on the low side compared to the rest of the industry. NONG is outperformed by 63.21% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.12% | ||
| ROE | 8.16% | ||
| ROIC | N/A |
ROA(3y)0.95%
ROA(5y)0.88%
ROE(3y)7.04%
ROE(5y)6.58%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 24.32%, NONG is in line with its industry, outperforming 56.60% of the companies in the same industry.
In the last couple of years the Profit Margin of NONG has grown nicely.
NONG 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) | 24.32% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.44%
PM growth 5Y2.12%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
NONG does not have a ROIC to compare to the WACC, probably because it is not profitable.
NONG has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, NONG has more shares outstanding
Compared to 1 year ago, NONG has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of NONG is 9.49, which is on the high side as it means it would take NONG, 9.49 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of NONG (9.49) is better than 81.13% of its industry peers.
NONG has a Debt/Equity ratio of 1.30. This is a high value indicating a heavy dependency on external financing.
NONG has a better Debt to Equity ratio (1.30) than 68.87% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.3 | ||
| Debt/FCF | 9.49 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC3.49%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for NONG have decreased by -2.08% in the last year.
Measured over the past years, NONG shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.67% on average per year.
NONG shows a decrease in Revenue. In the last year, the revenue decreased by -1.04%.
NONG shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.65% yearly.
EPS 1Y (TTM)-2.08%
EPS 3Y16.06%
EPS 5Y11.67%
EPS Q2Q%-33.94%
Revenue 1Y (TTM)-1.04%
Revenue growth 3Y15.05%
Revenue growth 5Y9.65%
Sales Q2Q%-21.54%
3.2 Future
NONG is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -4.50% yearly.
The Revenue is expected to grow by 0.05% on average over the next years.
EPS Next Y-8.72%
EPS Next 2Y-5.47%
EPS Next 3Y-4.5%
EPS Next 5YN/A
Revenue Next Year-1.39%
Revenue Next 2Y-1.25%
Revenue Next 3Y0.05%
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.
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
The Price/Earnings ratio is 8.94, which indicates a very decent valuation of NONG.
79.25% of the companies in the same industry are more expensive than NONG, based on the Price/Earnings ratio.
NONG is valuated cheaply when we compare the Price/Earnings ratio to 25.45, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 9.55 indicates a reasonable valuation of NONG.
68.87% of the companies in the same industry are more expensive than NONG, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of NONG to the average of the S&P500 Index (34.46), we can say NONG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.94 | ||
| Fwd PE | 9.55 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, NONG is valued cheaply inside the industry as 82.08% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.14 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
NONG's earnings are expected to decrease with -4.50% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.77
EPS Next 2Y-5.47%
EPS Next 3Y-4.5%
5. Dividend
5.1 Amount
NONG has a Yearly Dividend Yield of 6.28%, which is a nice return.
NONG's Dividend Yield is a higher than the industry average which is at 4.86.
NONG's Dividend Yield is rather good when compared to the S&P500 average which is at 2.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.28% |
5.2 History
On average, the dividend of NONG grows each year by 12.24%, which is quite nice.
Dividend Growth(5Y)12.24%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
NONG pays out 135.25% of its income as dividend. This is not a sustainable payout ratio.
NONG's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP135.25%
EPS Next 2Y-5.47%
EPS Next 3Y-4.5%
OSL:NONG (11/21/2025, 7:00:00 PM)
139.02
-0.34 (-0.24%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners37.65%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap13.96B
Revenue(TTM)6.63B
Net Income(TTM)1.61B
Analysts47.69
Price Target144.84 (4.19%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.28% |
Yearly Dividend19.25
Dividend Growth(5Y)12.24%
DP135.25%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)19.69%
Min EPS beat(2)11.65%
Max EPS beat(2)27.73%
EPS beat(4)4
Avg EPS beat(4)20.99%
Min EPS beat(4)6.82%
Max EPS beat(4)37.75%
EPS beat(8)6
Avg EPS beat(8)19.14%
EPS beat(12)8
Avg EPS beat(12)12.99%
EPS beat(16)10
Avg EPS beat(16)14.05%
Revenue beat(2)2
Avg Revenue beat(2)5.04%
Min Revenue beat(2)4.52%
Max Revenue beat(2)5.56%
Revenue beat(4)4
Avg Revenue beat(4)5.88%
Min Revenue beat(4)4.52%
Max Revenue beat(4)8.82%
Revenue beat(8)8
Avg Revenue beat(8)6.16%
Revenue beat(12)10
Avg Revenue beat(12)4.86%
Revenue beat(16)12
Avg Revenue beat(16)4.76%
PT rev (1m)2.34%
PT rev (3m)1.28%
EPS NQ rev (1m)3.93%
EPS NQ rev (3m)-18.6%
EPS NY rev (1m)2.69%
EPS NY rev (3m)8.94%
Revenue NQ rev (1m)1.52%
Revenue NQ rev (3m)-1.22%
Revenue NY rev (1m)0.77%
Revenue NY rev (3m)0.51%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.94 | ||
| Fwd PE | 9.55 | ||
| P/S | 2.1 | ||
| P/FCF | 5.14 | ||
| P/OCF | 4.87 | ||
| P/B | 0.71 | ||
| P/tB | 0.71 | ||
| EV/EBITDA | N/A |
EPS(TTM)15.55
EY11.19%
EPS(NY)14.56
Fwd EY10.47%
FCF(TTM)27.02
FCFY19.44%
OCF(TTM)28.55
OCFY20.53%
SpS66.07
BVpS196.91
TBVpS194.99
PEG (NY)N/A
PEG (5Y)0.77
Graham Number262.48
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.12% | ||
| ROE | 8.16% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 24.32% | ||
| GM | N/A | ||
| FCFM | 40.9% |
ROA(3y)0.95%
ROA(5y)0.88%
ROE(3y)7.04%
ROE(5y)6.58%
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 3Y1.44%
PM growth 5Y2.12%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.3 | ||
| Debt/FCF | 9.49 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 177.91% | ||
| Cap/Sales | 2.31% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 168.16% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC3.49%
ROIC/WACCN/A
Cap/Depr(3y)82.31%
Cap/Depr(5y)71.29%
Cap/Sales(3y)1.35%
Cap/Sales(5y)1.36%
Profit Quality(3y)233.76%
Profit Quality(5y)242.6%
High Growth Momentum
Growth
EPS 1Y (TTM)-2.08%
EPS 3Y16.06%
EPS 5Y11.67%
EPS Q2Q%-33.94%
EPS Next Y-8.72%
EPS Next 2Y-5.47%
EPS Next 3Y-4.5%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.04%
Revenue growth 3Y15.05%
Revenue growth 5Y9.65%
Sales Q2Q%-21.54%
Revenue Next Year-1.39%
Revenue Next 2Y-1.25%
Revenue Next 3Y0.05%
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 1Y143.98%
FCF growth 3Y8.72%
FCF growth 5YN/A
OCF growth 1Y141.45%
OCF growth 3Y8.93%
OCF growth 5YN/A
SPAREBANK 1 NORD-NORGE / NONG.OL FAQ
What is the ChartMill fundamental rating of SPAREBANK 1 NORD-NORGE (NONG.OL) stock?
ChartMill assigns a fundamental rating of 4 / 10 to NONG.OL.
What is the valuation status of SPAREBANK 1 NORD-NORGE (NONG.OL) stock?
ChartMill assigns a valuation rating of 5 / 10 to SPAREBANK 1 NORD-NORGE (NONG.OL). This can be considered as Fairly Valued.
Can you provide the profitability details for SPAREBANK 1 NORD-NORGE?
SPAREBANK 1 NORD-NORGE (NONG.OL) has a profitability rating of 4 / 10.
What is the financial health of SPAREBANK 1 NORD-NORGE (NONG.OL) stock?
The financial health rating of SPAREBANK 1 NORD-NORGE (NONG.OL) is 3 / 10.
Can you provide the dividend sustainability for NONG stock?
The dividend rating of SPAREBANK 1 NORD-NORGE (NONG.OL) is 6 / 10 and the dividend payout ratio is 135.25%.