SPAREBANK 1 RINGERIKE HADELA (RING.OL) Stock Fundamental Analysis
Europe - OSL:RING - NO0006390400 - Common Stock
379.8 NOK
-5.1 (-1.33%)
Overall RING gets a fundamental rating of 5 out of 10. We evaluated RING against 96 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.
In the past 5 years RING has always been profitable.
In the past 5 years RING always reported a positive cash flow from operatings.
1.2 Ratios
RING has a Return On Assets of 2.43%. This is amongst the best in the industry. RING outperforms 97.92% of its industry peers.
RING has a better Return On Equity (15.15%) than 82.29% 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
With an excellent Profit Margin value of 51.24%, RING belongs to the best of the industry, outperforming 98.96% 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) | 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
The number of shares outstanding for RING remains at a similar level compared to 1 year ago.
The number of shares outstanding for RING has been reduced compared to 5 years ago.
RING has a better debt/assets ratio than last year.
2.2 Solvency
RING has a debt to FCF ratio of 3.33. This is a good value and a sign of high solvency as RING would need 3.33 years to pay back of all of its debts.
RING has a better Debt to FCF ratio (3.33) than 91.67% of its industry peers.
A Debt/Equity ratio of 0.87 indicates that RING is somewhat dependend on debt financing.
RING has a Debt to Equity ratio of 0.87. This is in the better half of the industry: RING outperforms 78.13% of its industry peers.
| 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.
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.
RING shows a strong growth in Revenue. In the last year, the Revenue has grown by 28.10%.
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
The Earnings Per Share is expected to decrease by -6.08% on average over the next years.
RING is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.15% yearly.
EPS Next Y-11.43%
EPS Next 2Y-9.89%
EPS Next 3Y-6.08%
EPS Next 5YN/A
Revenue Next Year0.52%
Revenue Next 2Y-0.75%
Revenue Next 3Y0.15%
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.
4. Valuation
4.1 Price/Earnings Ratio
RING is valuated reasonably with a Price/Earnings ratio of 8.42.
Based on the Price/Earnings ratio, RING is valued cheaply inside the industry as 81.25% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of RING to the average of the S&P500 Index (25.07), we can say RING is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 10.69, the valuation of RING can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of RING is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.08, RING is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.42 | ||
| Fwd PE | 10.69 |
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 86.46% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.41 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as RING's earnings are expected to decrease with -6.08% in the coming years.
PEG (NY)N/A
PEG (5Y)0.8
EPS Next 2Y-9.89%
EPS Next 3Y-6.08%
5. Dividend
5.1 Amount
RING has a Yearly Dividend Yield of 7.87%, which is a nice return.
RING's Dividend Yield is rather good when compared to the industry average which is at 4.79. RING pays more dividend than 96.88% of the companies 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 | 7.87% |
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
RING pays out 61.28% 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.
DP61.28%
EPS Next 2Y-9.89%
EPS Next 3Y-6.08%
OSL:RING (11/21/2025, 1:05:52 PM)
379.8
-5.1 (-1.33%)
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 Cap5.94B
Revenue(TTM)1.40B
Net Income(TTM)786.60M
Analysts45.45
Price Target394.23 (3.8%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.87% |
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)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.15%
EPS NY rev (1m)0%
EPS NY rev (3m)1.8%
Revenue NQ rev (1m)0.16%
Revenue NQ rev (3m)1.27%
Revenue NY rev (1m)-0.22%
Revenue NY rev (3m)1.42%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.42 | ||
| Fwd PE | 10.69 | ||
| P/S | 3.87 | ||
| P/FCF | 4.41 | ||
| P/OCF | 4.41 | ||
| P/B | 1.14 | ||
| P/tB | 1.16 | ||
| EV/EBITDA | N/A |
EPS(TTM)45.11
EY11.88%
EPS(NY)35.52
Fwd EY9.35%
FCF(TTM)86.2
FCFY22.7%
OCF(TTM)86.2
OCFY22.7%
SpS98.08
BVpS331.82
TBVpS327.48
PEG (NY)N/A
PEG (5Y)0.8
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-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%-24.15%
Revenue Next Year0.52%
Revenue Next 2Y-0.75%
Revenue Next 3Y0.15%
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 5 / 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 -11.43% in the next year.