SPAREBANK 1 RINGERIKE HADELA (RING.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:RING - NO0006390400 - Common Stock
418 NOK
0 (0%)
Overall RING gets a fundamental rating of 4 out of 10. We evaluated RING against 111 industry peers in the Banks industry. RING has only an average score on both its financial health and profitability. RING is not valued too expensively and it also shows a decent growth rate. RING also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- RING had positive earnings in the past year.
- RING had a positive operating cash flow in the past year.
- Each year in the past 5 years RING has been profitable.
- RING had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- RING has a better Return On Assets (2.16%) than 95.50% of its industry peers.
- RING has a better Return On Equity (13.08%) than 65.77% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.16% | ||
| ROE | 13.08% | ||
| ROIC | N/A |
ROA(3y)1.68%
ROA(5y)1.58%
ROE(3y)10.62%
ROE(5y)10.26%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- With an excellent Profit Margin value of 49.04%, RING belongs to the best of the industry, outperforming 98.20% of the companies in the same industry.
- In the last couple of years the Profit Margin of RING has remained more or less at the same level.
- RING 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) | 49.04% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.62%
PM growth 5Y1.24%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- The number of shares outstanding for RING remains at a similar level compared to 1 year ago.
- Compared to 5 years ago, RING has less shares outstanding
- RING has a better debt/assets ratio than last year.
2.2 Solvency
- RING has a debt to FCF ratio of 3.15. This is a good value and a sign of high solvency as RING would need 3.15 years to pay back of all of its debts.
- RING has a better Debt to FCF ratio (3.15) than 94.59% of its industry peers.
- RING has a Debt/Equity ratio of 0.81. This is a neutral value indicating RING is somewhat dependend on debt financing.
- RING has a Debt to Equity ratio of 0.81. This is in the better half of the industry: RING outperforms 79.28% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.81 | ||
| Debt/FCF | 3.15 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- RING shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 14.49%, which is quite good.
- The Earnings Per Share has been growing by 10.59% on average over the past years. This is quite good.
- RING shows a small growth in Revenue. In the last year, the Revenue has grown by 5.46%.
- Measured over the past years, RING shows a quite strong growth in Revenue. The Revenue has been growing by 9.25% on average per year.
EPS 1Y (TTM)14.49%
EPS 3Y16.43%
EPS 5Y10.59%
EPS Q2Q%-33.38%
Revenue 1Y (TTM)5.46%
Revenue growth 3Y14.59%
Revenue growth 5Y9.25%
Sales Q2Q%-24.15%
3.2 Future
- RING is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -4.72% yearly.
- RING is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.25% yearly.
EPS Next Y-4.22%
EPS Next 2Y-8.02%
EPS Next 3Y-4.72%
EPS Next 5YN/A
Revenue Next Year7.21%
Revenue Next 2Y0.67%
Revenue Next 3Y1.25%
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
- RING is valuated reasonably with a Price/Earnings ratio of 9.27.
- Compared to the rest of the industry, the Price/Earnings ratio of RING indicates a rather cheap valuation: RING is cheaper than 83.78% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.38, RING is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 11.29, the valuation of RING can be described as reasonable.
- RING's Price/Forward Earnings is on the same level as the industry average.
- When comparing the Price/Forward Earnings ratio of RING to the average of the S&P500 Index (24.29), we can say RING is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.27 | ||
| Fwd PE | 11.29 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of RING indicates a rather cheap valuation: RING is cheaper than 88.29% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.73 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- A cheap valuation may be justified as RING's earnings are expected to decrease with -4.72% in the coming years.
PEG (NY)N/A
PEG (5Y)0.88
EPS Next 2Y-8.02%
EPS Next 3Y-4.72%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 7.18%, RING is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 4.03, RING pays a better dividend. On top of this RING pays more dividend than 90.09% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.84, RING pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.18% |
5.2 History
- The dividend of RING is nicely growing with an annual growth rate of 14.08%!
Dividend Growth(5Y)14.08%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
- RING pays out 68.77% of its income as dividend. This is not a sustainable payout ratio.
- The Dividend Rate of RING has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP68.77%
EPS Next 2Y-8.02%
EPS Next 3Y-4.72%
OSL:RING (1/16/2026, 7:00:00 PM)
418
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-31 2025-10-31/dmh
Earnings (Next)02-13 2026-02-13
Inst Owners9.02%
Inst Owner ChangeN/A
Ins Owners2.32%
Ins Owner ChangeN/A
Market Cap6.54B
Revenue(TTM)1.43B
Net Income(TTM)700.85M
Analysts44
Price Target413.1 (-1.17%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.18% |
Yearly Dividend20.57
Dividend Growth(5Y)14.08%
DP68.77%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)26.48%
Min EPS beat(2)14.23%
Max EPS beat(2)38.72%
EPS beat(4)3
Avg EPS beat(4)18.08%
Min EPS beat(4)-6.4%
Max EPS beat(4)38.72%
EPS beat(8)5
Avg EPS beat(8)8.2%
EPS beat(12)7
Avg EPS beat(12)6.3%
EPS beat(16)8
Avg EPS beat(16)3.23%
Revenue beat(2)2
Avg Revenue beat(2)13.72%
Min Revenue beat(2)3.34%
Max Revenue beat(2)24.1%
Revenue beat(4)3
Avg Revenue beat(4)5.23%
Min Revenue beat(4)-7.19%
Max Revenue beat(4)24.1%
Revenue beat(8)4
Avg Revenue beat(8)2.05%
Revenue beat(12)6
Avg Revenue beat(12)2.38%
Revenue beat(16)8
Avg Revenue beat(16)1.58%
PT rev (1m)2.14%
PT rev (3m)4.79%
EPS NQ rev (1m)3.67%
EPS NQ rev (3m)4.62%
EPS NY rev (1m)3.48%
EPS NY rev (3m)8.13%
Revenue NQ rev (1m)-3.82%
Revenue NQ rev (3m)-0.3%
Revenue NY rev (1m)0%
Revenue NY rev (3m)6.42%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.27 | ||
| Fwd PE | 11.29 | ||
| P/S | 4.58 | ||
| P/FCF | 4.73 | ||
| P/OCF | 4.65 | ||
| P/B | 1.22 | ||
| P/tB | 1.24 | ||
| EV/EBITDA | N/A |
EPS(TTM)45.11
EY10.79%
EPS(NY)37.02
Fwd EY8.86%
FCF(TTM)88.43
FCFY21.16%
OCF(TTM)89.84
OCFY21.49%
SpS91.31
BVpS342.36
TBVpS338.08
PEG (NY)N/A
PEG (5Y)0.88
Graham Number589.48
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.16% | ||
| ROE | 13.08% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 49.04% | ||
| GM | N/A | ||
| FCFM | 96.85% |
ROA(3y)1.68%
ROA(5y)1.58%
ROE(3y)10.62%
ROE(5y)10.26%
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 3Y1.62%
PM growth 5Y1.24%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.81 | ||
| Debt/FCF | 3.15 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 197.48% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)107.91%
Profit Quality(5y)93.45%
High Growth Momentum
Growth
EPS 1Y (TTM)14.49%
EPS 3Y16.43%
EPS 5Y10.59%
EPS Q2Q%-33.38%
EPS Next Y-4.22%
EPS Next 2Y-8.02%
EPS Next 3Y-4.72%
EPS Next 5YN/A
Revenue 1Y (TTM)5.46%
Revenue growth 3Y14.59%
Revenue growth 5Y9.25%
Sales Q2Q%-24.15%
Revenue Next Year7.21%
Revenue Next 2Y0.67%
Revenue Next 3Y1.25%
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 1Y2168.85%
FCF growth 3Y39.82%
FCF growth 5Y120.83%
OCF growth 1Y2131.75%
OCF growth 3Y39.39%
OCF growth 5Y116.55%
SPAREBANK 1 RINGERIKE HADELA / RING.OL FAQ
What is the fundamental rating for RING stock?
ChartMill assigns a fundamental rating of 4 / 10 to RING.OL.
What is the valuation status of SPAREBANK 1 RINGERIKE HADELA (RING.OL) stock?
ChartMill assigns a valuation rating of 5 / 10 to SPAREBANK 1 RINGERIKE HADELA (RING.OL). This can be considered as Fairly Valued.
What is the profitability of RING stock?
SPAREBANK 1 RINGERIKE HADELA (RING.OL) has a profitability rating of 4 / 10.
What is the valuation of SPAREBANK 1 RINGERIKE HADELA based on its PE and PB ratios?
The Price/Earnings (PE) ratio for SPAREBANK 1 RINGERIKE HADELA (RING.OL) is 9.27 and the Price/Book (PB) ratio is 1.22.
What is the financial health of SPAREBANK 1 RINGERIKE HADELA (RING.OL) stock?
The financial health rating of SPAREBANK 1 RINGERIKE HADELA (RING.OL) is 4 / 10.