RING Fundamental Analysis - SPAREBANK 1 RINGERIKE HADELA

Fundamental Rating

Overall RING gets a fundamental rating of 4 out of 10. We evaluated RING against 87 industry peers in the Banks industry. RING has only an average score on both its financial health and profitability. RING has a decent growth rate and is not valued too expensively. 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.

In the past 5 years RING always reported a positive cash flow from operatings.

1.2 Ratios

RING's Return On Assets of 2.17% is amongst the best of the industry. RING outperforms 96.55% of its industry peers.

RING has a Return On Equity of 12.95%. This is in the better half of the industry: RING outperforms 67.82% 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

The Profit Margin of RING (48.76%) is better than 98.85% of its industry peers.

RING's Profit Margin has been stable in the last couple of years.

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.

RING has less shares outstanding than it did 5 years ago.

RING has a better debt/assets ratio than last year.

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 96.55% 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.

With a decent Debt to Equity ratio value of 0.92, RING is doing good in the industry, outperforming 78.16% 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 52.49% 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.

Looking at the last year, RING shows a very strong growth in Revenue. The Revenue has grown by 27.88%.

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

The Earnings Per Share is expected to decrease by -5.72% on average over the next years.

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.

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 8.72, the valuation of RING can be described as very reasonable.

Based on the Price/Earnings ratio, RING is valued a bit cheaper than 67.82% of the companies in the same industry.

When comparing the Price/Earnings ratio of RING to the average of the S&P500 Index (27.15), we can say RING is valued rather cheaply.

With a Price/Forward Earnings ratio of 10.02, the valuation of RING can be described as very reasonable.

RING's Price/Forward Earnings is on the same level as the industry average.

The average S&P500 Price/Forward Earnings ratio is at 21.60. RING is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	8.72
Fwd PE	10.02

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, RING is valued cheaper than 85.06% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	4.03
EV/EBITDA	N/A

4.3 Compensation for Growth

A cheap valuation may be justified as RING's earnings are expected to decrease with -5.72% in the coming years.

PEG (NY)N/A

PEG (5Y)0.82

EPS Next 2Y-6.97%

EPS Next 3Y-5.72%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 7.85%, RING is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 5.13, RING pays a better dividend. On top of this RING pays more dividend than 94.25% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.42, RING pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	7.85%

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 47.10% of its income as dividend. 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 (6/27/2025, 7:00:00 PM)

381.5

-0.5 (-0.13%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

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

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

Inst Owners9.75%

Inst Owner ChangeN/A

Ins Owners2.46%

Ins Owner ChangeN/A

Market Cap5.97B

Analysts45.45

Price Target394.23 (3.34%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	7.85%

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)0.65%

PT rev (3m)4.88%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-13.38%

EPS NY rev (1m)0%

EPS NY rev (3m)0.75%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-0.28%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.15%

Valuation

		Industry Rank	Sector Rank
PE	8.72
Fwd PE	10.02
P/S	4.26
P/FCF	4.03
P/OCF	4.03
P/B	1.13
P/tB	1.15
EV/EBITDA	N/A

EPS(TTM)43.75

EY11.47%

EPS(NY)38.06

Fwd EY9.98%

FCF(TTM)94.63

FCFY24.81%

OCF(TTM)94.63

OCFY24.81%

SpS89.58

BVpS337.38

TBVpS333.04

PEG (NY)N/A

PEG (5Y)0.82

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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