SPAREBANK 1 RINGERIKE HADELA (RING.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:RING - NO0006390400 - Common Stock
405 NOK
+0.05 (+0.01%)
RING gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 114 industry peers in the Banks industry. RING has an average financial health and profitability rating. RING has a decent growth rate and is not valued too expensively. Finally RING also has an excellent dividend rating.
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.
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 (2.43%) than 97.37% of its industry peers.
RING's Return On Equity of 15.15% is fine compared to the rest of the industry. RING outperforms 78.95% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.43% | ||
| ROE | 15.15% | ||
| 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 (51.24%) than 99.12% of its industry peers.
RING's Profit Margin has been stable in the last couple of years.
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) | 51.24% | ||
| 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
Compared to 1 year ago, RING has about the same amount of shares outstanding.
RING has less shares outstanding than it did 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 3.33, which is a good value as it means it would take RING, 3.33 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 3.33, RING belongs to the best of the industry, outperforming 90.35% of the companies in the same industry.
A Debt/Equity ratio of 0.87 indicates that RING is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.87, RING is in the better half of the industry, outperforming 76.32% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.87 | ||
| Debt/FCF | 3.33 | ||
| 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
The Earnings Per Share has grown by an nice 14.49% over the past year.
RING shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.59% yearly.
The Revenue has grown by 28.10% in the past year. This is a very strong growth!
RING shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.25% yearly.
EPS 1Y (TTM)14.49%
EPS 3Y16.43%
EPS 5Y10.59%
EPS Q2Q%-33.38%
Revenue 1Y (TTM)28.1%
Revenue growth 3Y14.59%
Revenue growth 5Y9.25%
Sales Q2Q%-24.15%
3.2 Future
Based on estimates for the next years, RING will show a decrease in Earnings Per Share. The EPS will decrease by -6.96% on average per year.
The Revenue is expected to grow by 1.25% on average over the next years.
EPS Next Y-7.44%
EPS Next 2Y-11.56%
EPS Next 3Y-6.96%
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 8.98.
Based on the Price/Earnings ratio, RING is valued cheaply inside the industry as 83.33% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 26.57, RING is valued rather cheaply.
A Price/Forward Earnings ratio of 11.83 indicates a reasonable valuation of RING.
62.28% of the companies in the same industry are cheaper than RING, based on the Price/Forward Earnings ratio.
RING is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.04, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.98 | ||
| Fwd PE | 11.83 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, RING is valued cheaper than 87.72% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.7 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as RING's earnings are expected to decrease with -6.96% in the coming years.
PEG (NY)N/A
PEG (5Y)0.85
EPS Next 2Y-11.56%
EPS Next 3Y-6.96%
5. Dividend
5.1 Amount
RING has a Yearly Dividend Yield of 7.50%, which is a nice return.
RING's Dividend Yield is rather good when compared to the industry average which is at 4.12. RING pays more dividend than 90.35% of the companies in the same industry.
RING's Dividend Yield is rather good when compared to the S&P500 average which is at 1.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.5% |
5.2 History
On average, the dividend of RING grows each year by 14.08%, which is quite nice.
Dividend Growth(5Y)14.08%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
61.28% of the earnings are spent on dividend by RING. 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.
DP61.28%
EPS Next 2Y-11.56%
EPS Next 3Y-6.96%
OSL:RING (12/23/2025, 7:00:00 PM)
405
+0.05 (+0.01%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners9.02%
Inst Owner ChangeN/A
Ins Owners2.36%
Ins Owner ChangeN/A
Market Cap6.34B
Revenue(TTM)1.40B
Net Income(TTM)786.60M
Analysts45.45
Price Target404.43 (-0.14%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.5% |
Yearly Dividend20.57
Dividend Growth(5Y)14.08%
DP61.28%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)16.16%
Min EPS beat(2)-6.4%
Max EPS beat(2)38.72%
EPS beat(4)3
Avg EPS beat(4)25.08%
Min EPS beat(4)-6.4%
Max EPS beat(4)42.25%
EPS beat(8)5
Avg EPS beat(8)7.15%
EPS beat(12)6
Avg EPS beat(12)3.18%
EPS beat(16)7
Avg EPS beat(16)2.27%
Revenue beat(2)2
Avg Revenue beat(2)12.38%
Min Revenue beat(2)0.66%
Max Revenue beat(2)24.1%
Revenue beat(4)3
Avg Revenue beat(4)10.02%
Min Revenue beat(4)-7.19%
Max Revenue beat(4)24.1%
Revenue beat(8)4
Avg Revenue beat(8)2.07%
Revenue beat(12)5
Avg Revenue beat(12)1.42%
Revenue beat(16)8
Avg Revenue beat(16)1.47%
PT rev (1m)2.59%
PT rev (3m)2.59%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)4.5%
EPS NY rev (3m)7.08%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.16%
Revenue NY rev (1m)6.65%
Revenue NY rev (3m)6.42%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.98 | ||
| Fwd PE | 11.83 | ||
| P/S | 4.13 | ||
| P/FCF | 4.7 | ||
| P/OCF | 4.7 | ||
| P/B | 1.22 | ||
| P/tB | 1.24 | ||
| EV/EBITDA | N/A |
EPS(TTM)45.11
EY11.14%
EPS(NY)34.22
Fwd EY8.45%
FCF(TTM)86.2
FCFY21.28%
OCF(TTM)86.2
OCFY21.28%
SpS98.08
BVpS331.82
TBVpS327.48
PEG (NY)N/A
PEG (5Y)0.85
Graham Number580.34
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.43% | ||
| ROE | 15.15% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 51.24% | ||
| GM | N/A | ||
| FCFM | 87.88% |
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 Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.87 | ||
| Debt/FCF | 3.33 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 171.5% | ||
| 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-7.44%
EPS Next 2Y-11.56%
EPS Next 3Y-6.96%
EPS Next 5YN/A
Revenue 1Y (TTM)28.1%
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 1Y899.26%
FCF growth 3Y39.82%
FCF growth 5Y120.83%
OCF growth 1Y877.54%
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 5 / 10 to RING.OL.
Can you provide the valuation status for SPAREBANK 1 RINGERIKE HADELA?
ChartMill assigns a valuation rating of 5 / 10 to SPAREBANK 1 RINGERIKE HADELA (RING.OL). This can be considered as Fairly Valued.
How profitable is SPAREBANK 1 RINGERIKE HADELA (RING.OL) stock?
SPAREBANK 1 RINGERIKE HADELA (RING.OL) has a profitability rating of 4 / 10.
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.
What is the expected EPS growth for SPAREBANK 1 RINGERIKE HADELA (RING.OL) stock?
The Earnings per Share (EPS) of SPAREBANK 1 RINGERIKE HADELA (RING.OL) is expected to decline by -7.44% in the next year.