RING Fundamental Analysis - SPAREBANK 1 RINGERIKE HADELA

Fundamental Rating

We assign a fundamental rating of 5 out of 10 to RING. RING was compared to 95 industry peers in the Banks industry. Both the profitability and the financial health of RING get a neutral evaluation. Nothing too spectacular is happening here. RING has a correct valuation and a medium growth rate. 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.

In the past 5 years RING has always been profitable.

RING had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

With an excellent Return On Assets value of 2.17%, RING belongs to the best of the industry, outperforming 95.79% of the companies in the same industry.

Looking at the Return On Equity, with a value of 12.95%, RING is in the better half of the industry, outperforming 67.37% of the companies in the same industry.

		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

Looking at the Profit Margin, with a value of 48.76%, RING belongs to the top of the industry, outperforming 97.89% 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.

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

RING has about the same amout of shares outstanding than it did 1 year ago.

Compared to 5 years ago, RING has less shares outstanding

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

2.2 Solvency

RING has a debt to FCF ratio of 3.28. This is a good value and a sign of high solvency as RING would need 3.28 years to pay back of all of its debts.

RING has a better Debt to FCF ratio (3.28) than 95.79% of its industry peers.

A Debt/Equity ratio of 0.92 indicates that RING is somewhat dependend on debt financing.

Looking at the Debt to Equity ratio, with a value of 0.92, RING is in the better half of the industry, outperforming 76.84% of the companies in the same industry.

		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

The Earnings Per Share has grown by an impressive 55.11% over the past year.

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 28.10% 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)55.11%

EPS 3Y16.43%

EPS 5Y10.59%

EPS Q2Q%72.44%

Revenue 1Y (TTM)28.1%

Revenue growth 3Y14.59%

Revenue growth 5Y9.25%

Sales Q2Q%41.31%

3.2 Future

Based on estimates for the next years, RING will show a decrease in Earnings Per Share. The EPS will decrease by -6.08% on average per year.

The Revenue is expected to grow by 0.05% on average over the next years.

EPS Next Y-11.43%

EPS Next 2Y-9.89%

EPS Next 3Y-6.08%

EPS Next 5YN/A

Revenue Next Year0.74%

Revenue Next 2Y-0.9%

Revenue Next 3Y0.05%

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.

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

With a Price/Earnings ratio of 7.82, the valuation of RING can be described as very cheap.

RING's Price/Earnings ratio is rather cheap when compared to the industry. RING is cheaper than 86.32% of the companies in the same industry.

When comparing the Price/Earnings ratio of RING to the average of the S&P500 Index (27.86), we can say RING is valued rather cheaply.

With a Price/Forward Earnings ratio of 11.06, the valuation of RING can be described as very reasonable.

Compared to the rest of the industry, the Price/Forward Earnings ratio of RING indicates a slightly more expensive valuation: RING is more expensive than 61.05% of the companies listed in the same industry.

When comparing the Price/Forward Earnings ratio of RING to the average of the S&P500 Index (23.32), we can say RING is valued rather cheaply.

		Industry Rank	Sector Rank
PE	7.82
Fwd PE	11.06

4.2 Price Multiples

RING's Price/Free Cash Flow ratio is rather cheap when compared to the industry. RING is cheaper than 89.47% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	4.15
EV/EBITDA	N/A

4.3 Compensation for Growth

RING's earnings are expected to decrease with -6.08% in the coming years. This may justify a cheaper valuation.

PEG (NY)N/A

PEG (5Y)0.74

EPS Next 2Y-9.89%

EPS Next 3Y-6.08%

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5. Dividend

5.1 Amount

RING has a Yearly Dividend Yield of 7.52%, which is a nice return.

Compared to an average industry Dividend Yield of 4.70, RING pays a better dividend. On top of this RING pays more dividend than 89.47% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.44, RING pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	7.52%

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 47.10% of its income as dividend. This is a bit on the high side, but may be sustainable.

DP47.1%

EPS Next 2Y-9.89%

EPS Next 3Y-6.08%

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SPAREBANK 1 RINGERIKE HADELA

OSL:RING (10/6/2025, 10:53:00 AM)

393

-6 (-1.5%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)08-14 2025-08-14/bmo

Earnings (Next)10-31 2025-10-31

Inst Owners9.02%

Inst Owner ChangeN/A

Ins Owners2.36%

Ins Owner ChangeN/A

Market Cap6.15B

Analysts45.45

Price Target394.23 (0.31%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	7.52%

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)0%

EPS NQ rev (1m)0%

EPS NQ rev (3m)3.24%

EPS NY rev (1m)2.46%

EPS NY rev (3m)1.8%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)1.65%

Revenue NY rev (3m)2.73%

Valuation

		Industry Rank	Sector Rank
PE	7.82
Fwd PE	11.06
P/S	4.39
P/FCF	4.15
P/OCF	4.15
P/B	1.16
P/tB	1.18
EV/EBITDA	N/A

EPS(TTM)50.27

EY12.79%

EPS(NY)35.52

Fwd EY9.04%

FCF(TTM)94.63

FCFY24.08%

OCF(TTM)94.63

OCFY24.08%

SpS89.58

BVpS337.38

TBVpS333.04

PEG (NY)N/A

PEG (5Y)0.74

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)55.11%

EPS 3Y16.43%

EPS 5Y10.59%

EPS Q2Q%72.44%

EPS Next Y-11.43%

EPS Next 2Y-9.89%

EPS Next 3Y-6.08%

EPS Next 5YN/A

Revenue 1Y (TTM)28.1%

Revenue growth 3Y14.59%

Revenue growth 5Y9.25%

Sales Q2Q%41.31%

Revenue Next Year0.74%

Revenue Next 2Y-0.9%

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 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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