PARETO BANK ASA(OSL:PARB) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, PARB scores 4 out of 10 in our fundamental rating. PARB was compared to 92 industry peers in the Banks industry. Both the profitability and financial health of PARB have multiple concerns. PARB has a correct valuation and a medium growth rate.

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1. Profitability

1.1 Basic Checks

In the past year PARB was profitable.

In the past year PARB had a positive cash flow from operations.

PARB had positive earnings in each of the past 5 years.

The reported operating cash flow has been mixed in the past 5 years: PARB reported negative operating cash flow in multiple years.

1.2 Ratios

PARB has a better Return On Assets (2.25%) than 98.91% of its industry peers.

PARB has a Return On Equity of 11.41%. This is comparable to the rest of the industry: PARB outperforms 54.35% of its industry peers.

		Industry Rank	Sector Rank
ROA	2.25%
ROE	11.41%
ROIC	N/A

ROA(3y)2.39%

ROA(5y)2.38%

ROE(3y)12.32%

ROE(5y)12.46%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

PARB has a Profit Margin of 49.72%. This is amongst the best in the industry. PARB outperforms 100.00% of its industry peers.

In the last couple of years the Profit Margin of PARB has declined.

The Operating Margin and Gross Margin are not available for PARB so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	49.72%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-5.01%

PM growth 5Y-2.39%

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

PARB does not have a ROIC to compare to the WACC, probably because it is not profitable.

PARB has less shares outstanding than it did 1 year ago.

The number of shares outstanding for PARB has been increased compared to 5 years ago.

Compared to 1 year ago, PARB has an improved debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of PARB is 4.11, which is a neutral value as it means it would take PARB, 4.11 years of fcf income to pay off all of its debts.

PARB has a Debt to FCF ratio of 4.11. This is amongst the best in the industry. PARB outperforms 93.48% of its industry peers.

A Debt/Equity ratio of 1.43 is on the high side and indicates that PARB has dependencies on debt financing.

Looking at the Debt to Equity ratio, with a value of 1.43, PARB is in the better half of the industry, outperforming 66.30% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	1.43
Debt/FCF	4.11
Altman-Z	N/A

ROIC/WACCN/A

WACC6.62%

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 been growing slightly by 7.38% over the past year.

PARB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.22% yearly.

PARB shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.31%.

The Revenue has been growing by 12.57% on average over the past years. This is quite good.

EPS 1Y (TTM)7.38%

EPS 3Y5.3%

EPS 5Y7.22%

EPS Q2Q%-6.04%

Revenue 1Y (TTM)9.31%

Revenue growth 3Y13.77%

Revenue growth 5Y12.57%

Sales Q2Q%10.11%

3.2 Future

PARB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.48% yearly.

Based on estimates for the next years, PARB will show a small growth in Revenue. The Revenue will grow by 4.35% on average per year.

EPS Next Y6.55%

EPS Next 2Y6.1%

EPS Next 3Y5.48%

EPS Next 5YN/A

Revenue Next Year7.17%

Revenue Next 2Y4.66%

Revenue Next 3Y4.35%

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.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 9.88, the valuation of PARB can be described as reasonable.

63.04% of the companies in the same industry are cheaper than PARB, based on the Price/Earnings ratio.

PARB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.20.

A Price/Forward Earnings ratio of 8.78 indicates a reasonable valuation of PARB.

The rest of the industry has a similar Price/Forward Earnings ratio as PARB.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.13, PARB is valued rather cheaply.

		Industry Rank	Sector Rank
PE	9.88
Fwd PE	8.78

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, PARB is valued cheaply inside the industry as 90.22% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	3.22
EV/EBITDA	N/A

4.3 Compensation for Growth

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

PEG (NY)1.51

PEG (5Y)1.37

EPS Next 2Y6.1%

EPS Next 3Y5.48%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.21%, PARB is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 5.03, PARB has a dividend in line with its industry peers.

PARB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.

		Industry Rank	Sector Rank
Dividend Yield	5.21%

5.2 History

The dividend of PARB is nicely growing with an annual growth rate of 43.77%!

Dividend Growth(5Y)43.77%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

46.85% of the earnings are spent on dividend by PARB. This is a bit on the high side, but may be sustainable.

PARB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP46.85%

EPS Next 2Y6.1%

EPS Next 3Y5.48%

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PARETO BANK ASA

OSL:PARB (5/28/2025, 7:00:00 PM)

81.9

-0.6 (-0.73%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-30 2025-04-30

Earnings (Next)07-18 2025-07-18

Inst Owners21.25%

Inst Owner ChangeN/A

Ins Owners1.16%

Ins Owner ChangeN/A

Market Cap6.29B

Analysts85.71

Price Target85.68 (4.62%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.21%

Yearly Dividend3.9

Dividend Growth(5Y)43.77%

DP46.85%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)0%

PT rev (3m)10.53%

EPS NQ rev (1m)1.43%

EPS NQ rev (3m)1.43%

EPS NY rev (1m)0%

EPS NY rev (3m)1.05%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0.67%

Revenue NY rev (3m)3.97%

Valuation

		Industry Rank	Sector Rank
PE	9.88
Fwd PE	8.78
P/S	4.89
P/FCF	3.22
P/OCF	3.2
P/B	1.12
P/tB	1.13
EV/EBITDA	N/A

EPS(TTM)8.29

EY10.12%

EPS(NY)9.33

Fwd EY11.4%

FCF(TTM)25.44

FCFY31.06%

OCF(TTM)25.61

OCFY31.27%

SpS16.74

BVpS72.96

TBVpS72.43

PEG (NY)1.51

PEG (5Y)1.37

Profitability

		Industry Rank	Sector Rank
ROA	2.25%
ROE	11.41%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	49.72%
GM	N/A
FCFM	151.95%

ROA(3y)2.39%

ROA(5y)2.38%

ROE(3y)12.32%

ROE(5y)12.46%

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 3Y-5.01%

PM growth 5Y-2.39%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	1.43
Debt/FCF	4.11
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	1.03%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	305.57%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC6.62%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)1.15%

Cap/Sales(5y)1.19%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)7.38%

EPS 3Y5.3%

EPS 5Y7.22%

EPS Q2Q%-6.04%

EPS Next Y6.55%

EPS Next 2Y6.1%

EPS Next 3Y5.48%

EPS Next 5YN/A

Revenue 1Y (TTM)9.31%

Revenue growth 3Y13.77%

Revenue growth 5Y12.57%

Sales Q2Q%10.11%

Revenue Next Year7.17%

Revenue Next 2Y4.66%

Revenue Next 3Y4.35%

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 1Y480.32%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y493.86%

OCF growth 3YN/A

OCF growth 5YN/A

PARETO BANK ASA (PARB.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

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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