RING Fundamental Analysis - SPAREBANK 1 RINGERIKE HADELA

Fundamental Rating

Overall RING gets a fundamental rating of 4 out of 10. We evaluated RING against 92 industry peers in the Banks industry. RING has an average financial health and profitability rating. RING is not valued too expensively and it also shows a decent growth rate. Finally RING also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

RING had positive earnings in the past year.

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

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

Each year in the past 5 years RING had a positive operating cash flow.

1.2 Ratios

RING has a Return On Assets of 2.17%. This is amongst the best in the industry. RING outperforms 96.74% of its industry peers.

The Return On Equity of RING (12.95%) is better than 65.22% of its industry peers.

		Industry Rank	Sector Rank
ROA	2.17%
ROE	12.95%
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

RING has a better Profit Margin (48.76%) than 98.91% of its industry peers.

In the last couple of years the Profit Margin of RING has remained more or less at the same level.

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

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	48.76%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

Compared to 1 year ago, RING has about the same amount of shares outstanding.

The number of shares outstanding for RING has been reduced compared to 5 years ago.

The debt/assets ratio for RING has been reduced compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of RING is 3.28, which is a good value as it means it would take RING, 3.28 years of fcf income to pay off all of its debts.

With an excellent Debt to FCF ratio value of 3.28, RING belongs to the best of the industry, outperforming 95.65% of the companies in the same industry.

RING has a Debt/Equity ratio of 0.92. This is a neutral value indicating RING is somewhat dependend on debt financing.

RING has a better Debt to Equity ratio (0.92) than 78.26% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.92
Debt/FCF	3.28
Altman-Z	N/A

ROIC/WACCN/A

WACCN/A

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

RING shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 52.49%, which is quite impressive.

Measured over the past years, RING shows a quite strong growth in Earnings Per Share. The EPS has been growing by 10.59% on average per year.

The Revenue has grown by 27.88% in the past year. This is a very strong growth!

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)52.49%

EPS 3Y16.43%

EPS 5Y10.59%

EPS Q2Q%70.73%

Revenue 1Y (TTM)27.88%

Revenue growth 3Y14.59%

Revenue growth 5Y9.25%

Sales Q2Q%17.32%

3.2 Future

RING is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -5.72% yearly.

Based on estimates for the next years, RING will show a decrease in Revenue. The Revenue will decrease by -0.77% on average per year.

EPS Next Y-13%

EPS Next 2Y-6.97%

EPS Next 3Y-5.72%

EPS Next 5YN/A

Revenue Next Year-1.93%

Revenue Next 2Y-0.19%

Revenue Next 3Y-0.77%

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.

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 8.80, the valuation of RING can be described as reasonable.

Compared to the rest of the industry, the Price/Earnings ratio of RING indicates a somewhat cheap valuation: RING is cheaper than 69.57% of the companies listed in the same industry.

RING is valuated cheaply when we compare the Price/Earnings ratio to 26.25, which is the current average of the S&P500 Index.

With a Price/Forward Earnings ratio of 10.12, the valuation of RING can be described as very reasonable.

RING's Price/Forward Earnings ratio is in line with the industry average.

RING's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.15.

		Industry Rank	Sector Rank
PE	8.8
Fwd PE	10.12

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 85.87% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	4.07
EV/EBITDA	N/A

4.3 Compensation for Growth

RING's earnings are expected to decrease with -5.72% in the coming years. This may justify a cheaper valuation.

PEG (NY)N/A

PEG (5Y)0.83

EPS Next 2Y-6.97%

EPS Next 3Y-5.72%

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5. Dividend

5.1 Amount

RING has a Yearly Dividend Yield of 7.98%, which is a nice return.

Compared to an average industry Dividend Yield of 5.03, RING pays a better dividend. On top of this RING pays more dividend than 95.65% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.40, RING pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	7.98%

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

47.10% of the earnings are spent on dividend by RING. This is a bit on the high side, but may be sustainable.

DP47.1%

EPS Next 2Y-6.97%

EPS Next 3Y-5.72%

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SPAREBANK 1 RINGERIKE HADELA

OSL:RING (5/30/2025, 7:00:00 PM)

385.05

-8.7 (-2.21%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)05-08 2025-05-08

Earnings (Next)08-14 2025-08-14

Inst Owners9.62%

Inst Owner ChangeN/A

Ins Owners2.46%

Ins Owner ChangeN/A

Market Cap6.03B

Analysts77.78

Price Target391.68 (1.72%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	7.98%

Yearly Dividend20.57

Dividend Growth(5Y)14.08%

DP47.1%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)34.01%

Min EPS beat(2)25.77%

Max EPS beat(2)42.25%

EPS beat(4)3

Avg EPS beat(4)14.22%

Min EPS beat(4)-16.03%

Max EPS beat(4)42.25%

EPS beat(8)4

Avg EPS beat(8)1.06%

EPS beat(12)5

Avg EPS beat(12)-0.4%

EPS beat(16)8

Avg EPS beat(16)4.18%

Revenue beat(2)1

Avg Revenue beat(2)7.66%

Min Revenue beat(2)-7.19%

Max Revenue beat(2)22.51%

Revenue beat(4)1

Avg Revenue beat(4)2.31%

Min Revenue beat(4)-7.19%

Max Revenue beat(4)22.51%

Revenue beat(8)2

Avg Revenue beat(8)-1.53%

Revenue beat(12)4

Avg Revenue beat(12)-0.69%

Revenue beat(16)8

Avg Revenue beat(16)1.88%

PT rev (1m)0%

PT rev (3m)4.21%

EPS NQ rev (1m)-13.38%

EPS NQ rev (3m)N/A

EPS NY rev (1m)0%

EPS NY rev (3m)0.75%

Revenue NQ rev (1m)-0.28%

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0.15%

Revenue NY rev (3m)-0.3%

Valuation

		Industry Rank	Sector Rank
PE	8.8
Fwd PE	10.12
P/S	4.3
P/FCF	4.07
P/OCF	4.07
P/B	1.14
P/tB	1.16
EV/EBITDA	N/A

EPS(TTM)43.75

EY11.36%

EPS(NY)38.06

Fwd EY9.89%

FCF(TTM)94.63

FCFY24.58%

OCF(TTM)94.63

OCFY24.58%

SpS89.58

BVpS337.38

TBVpS333.04

PEG (NY)N/A

PEG (5Y)0.83

Profitability

		Industry Rank	Sector Rank
ROA	2.17%
ROE	12.95%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	48.76%
GM	N/A
FCFM	105.64%

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

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 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	0.92
Debt/FCF	3.28
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	216.64%
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)52.49%

EPS 3Y16.43%

EPS 5Y10.59%

EPS Q2Q%70.73%

EPS Next Y-13%

EPS Next 2Y-6.97%

EPS Next 3Y-5.72%

EPS Next 5YN/A

Revenue 1Y (TTM)27.88%

Revenue growth 3Y14.59%

Revenue growth 5Y9.25%

Sales Q2Q%17.32%

Revenue Next Year-1.93%

Revenue Next 2Y-0.19%

Revenue Next 3Y-0.77%

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 1Y377.74%

FCF growth 3Y39.82%

FCF growth 5Y120.83%

OCF growth 1Y377.74%

OCF growth 3Y39.39%

OCF growth 5Y116.55%

SPAREBANK 1 RINGERIKE HADELA (RING.OL) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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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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