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SFL CORP LTD (SFL) Stock Fundamental Analysis

NYSE:SFL - New York Stock Exchange, Inc. - BMG7738W1064 - Common Stock - Currency: USD

8.66  -0.02 (-0.23%)

After market: 8.66 0 (0%)

Fundamental Rating

2

Overall SFL gets a fundamental rating of 2 out of 10. We evaluated SFL against 213 industry peers in the Oil, Gas & Consumable Fuels industry. There are concerns on the financial health of SFL while its profitability can be described as average. SFL is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

SFL had positive earnings in the past year.
SFL had a positive operating cash flow in the past year.
Of the past 5 years SFL 4 years were profitable.
SFL had a positive operating cash flow in each of the past 5 years.
SFL Yearly Net Income VS EBIT VS OCF VS FCFSFL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M -400M -600M -800M

1.2 Ratios

SFL has a worse Return On Assets (1.33%) than 60.09% of its industry peers.
With a Return On Equity value of 5.08%, SFL perfoms like the industry average, outperforming 43.66% of the companies in the same industry.
SFL has a Return On Invested Capital of 6.22%. This is comparable to the rest of the industry: SFL outperforms 53.99% of its industry peers.
SFL had an Average Return On Invested Capital over the past 3 years of 7.06%. This is significantly below the industry average of 23.60%.
Industry RankSector Rank
ROA 1.33%
ROE 5.08%
ROIC 6.22%
ROA(3y)3.56%
ROA(5y)1.64%
ROE(3y)12.75%
ROE(5y)5.35%
ROIC(3y)7.06%
ROIC(5y)6.51%
SFL Yearly ROA, ROE, ROICSFL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20

1.3 Margins

SFL has a Profit Margin (6.20%) which is in line with its industry peers.
SFL's Profit Margin has declined in the last couple of years.
SFL's Operating Margin of 30.23% is fine compared to the rest of the industry. SFL outperforms 69.01% of its industry peers.
In the last couple of years the Operating Margin of SFL has declined.
The Gross Margin of SFL (60.81%) is better than 66.67% of its industry peers.
SFL's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 30.23%
PM (TTM) 6.2%
GM 60.81%
OM growth 3Y-5.91%
OM growth 5Y-5.02%
PM growth 3Y-23.3%
PM growth 5Y-5.77%
GM growth 3Y-3.7%
GM growth 5Y-2.58%
SFL Yearly Profit, Operating, Gross MarginsSFL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40 60

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0

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), SFL is destroying value.
SFL has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, SFL has more shares outstanding
The debt/assets ratio for SFL is higher compared to a year ago.
SFL Yearly Shares OutstandingSFL Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M
SFL Yearly Total Debt VS Total AssetsSFL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

2.2 Solvency

A Debt/Equity ratio of 2.14 is on the high side and indicates that SFL has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 2.14, SFL is doing worse than 82.63% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.14
Debt/FCF N/A
Altman-Z N/A
ROIC/WACC0.75
WACC8.3%
SFL Yearly LT Debt VS Equity VS FCFSFL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B

2.3 Liquidity

A Current Ratio of 0.45 indicates that SFL may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.45, SFL is doing worse than 86.85% of the companies in the same industry.
A Quick Ratio of 0.45 indicates that SFL may have some problems paying its short term obligations.
The Quick ratio of SFL (0.45) is worse than 84.04% of its industry peers.
Industry RankSector Rank
Current Ratio 0.45
Quick Ratio 0.45
SFL Yearly Current Assets VS Current LiabilitesSFL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

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2

3. Growth

3.1 Past

The earnings per share for SFL have decreased strongly by -30.93% in the last year.
The Earnings Per Share has been growing slightly by 6.13% on average over the past years.
SFL shows a small growth in Revenue. In the last year, the Revenue has grown by 6.67%.
Measured over the past years, SFL shows a quite strong growth in Revenue. The Revenue has been growing by 14.54% on average per year.
EPS 1Y (TTM)-30.93%
EPS 3Y-8.54%
EPS 5Y6.13%
EPS Q2Q%-94.44%
Revenue 1Y (TTM)6.67%
Revenue growth 3Y20.77%
Revenue growth 5Y14.54%
Sales Q2Q%-18.48%

3.2 Future

Based on estimates for the next years, SFL will show a very negative growth in Earnings Per Share. The EPS will decrease by -41.91% on average per year.
Based on estimates for the next years, SFL will show a decrease in Revenue. The Revenue will decrease by -6.71% on average per year.
EPS Next Y-100%
EPS Next 2Y-41.91%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-17.06%
Revenue Next 2Y-6.71%
Revenue Next 3YN/A
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.
SFL Yearly Revenue VS EstimatesSFL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M 800M
SFL Yearly EPS VS EstimatesSFL Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2026 0 1 -1 2 -2

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2

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 12.93, which indicates a correct valuation of SFL.
Compared to the rest of the industry, the Price/Earnings ratio of SFL is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 26.31, SFL is valued rather cheaply.
SFL is valuated quite expensively with a Price/Forward Earnings ratio of 25.41.
Compared to the rest of the industry, the Price/Forward Earnings ratio of SFL indicates a slightly more expensive valuation: SFL is more expensive than 62.91% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.06. SFL is around the same levels.
Industry RankSector Rank
PE 12.93
Fwd PE 25.41
SFL Price Earnings VS Forward Price EarningsSFL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

The rest of the industry has a similar Enterprise Value to EBITDA ratio as SFL.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 7.69
SFL Per share dataSFL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6

4.3 Compensation for Growth

SFL's earnings are expected to decrease with -41.91% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)2.11
EPS Next 2Y-41.91%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

SFL has a Yearly Dividend Yield of 12.56%, which is a nice return.
SFL's Dividend Yield is rather good when compared to the industry average which is at 6.81. SFL pays more dividend than 92.49% of the companies in the same industry.
SFL's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
Industry RankSector Rank
Dividend Yield 12.56%

5.2 History

The dividend of SFL decreases each year by -4.97%.
SFL has been paying a dividend for at least 10 years, so it has a reliable track record.
SFL has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)-4.97%
Div Incr Years3
Div Non Decr Years3
SFL Yearly Dividends per shareSFL Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

SFL pays out 264.92% of its income as dividend. This is not a sustainable payout ratio.
SFL's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP264.92%
EPS Next 2Y-41.91%
EPS Next 3YN/A
SFL Yearly Income VS Free CF VS DividendSFL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M -400M -600M -800M
SFL Dividend Payout.SFL Dividend Payout, showing the Payout Ratio.SFL Dividend Payout.PayoutRetained Earnings

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SFL CORP LTD

NYSE:SFL (6/5/2025, 8:09:01 PM)

After market: 8.66 0 (0%)

8.66

-0.02 (-0.23%)

Chartmill FA Rating
GICS SectorEnergy
GICS IndustryGroupEnergy
GICS IndustryOil, Gas & Consumable Fuels
Earnings (Last)05-14 2025-05-14/bmo
Earnings (Next)08-12 2025-08-12/bmo
Inst Owners35.23%
Inst Owner Change-3.23%
Ins Owners0.1%
Ins Owner ChangeN/A
Market Cap1.26B
Analysts80
Price Target12.31 (42.15%)
Short Float %3.46%
Short Ratio3.41
Dividend
Industry RankSector Rank
Dividend Yield 12.56%
Yearly Dividend0.98
Dividend Growth(5Y)-4.97%
DP264.92%
Div Incr Years3
Div Non Decr Years3
Ex-Date06-12 2025-06-12 (0.27)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)78.01%
Min EPS beat(2)-9.99%
Max EPS beat(2)166.01%
EPS beat(4)2
Avg EPS beat(4)1593.94%
Min EPS beat(4)-16.88%
Max EPS beat(4)6236.63%
EPS beat(8)6
Avg EPS beat(8)825.59%
EPS beat(12)9
Avg EPS beat(12)560.94%
EPS beat(16)12
Avg EPS beat(16)430.22%
Revenue beat(2)1
Avg Revenue beat(2)1.65%
Min Revenue beat(2)-0.72%
Max Revenue beat(2)4.01%
Revenue beat(4)3
Avg Revenue beat(4)2.15%
Min Revenue beat(4)-0.72%
Max Revenue beat(4)4.01%
Revenue beat(8)6
Avg Revenue beat(8)2.08%
Revenue beat(12)10
Avg Revenue beat(12)3.34%
Revenue beat(16)13
Avg Revenue beat(16)3.46%
PT rev (1m)0%
PT rev (3m)-4.23%
EPS NQ rev (1m)-100%
EPS NQ rev (3m)-131.58%
EPS NY rev (1m)100%
EPS NY rev (3m)-100%
Revenue NQ rev (1m)-0.71%
Revenue NQ rev (3m)-1.59%
Revenue NY rev (1m)-2.66%
Revenue NY rev (3m)-4.48%
Valuation
Industry RankSector Rank
PE 12.93
Fwd PE 25.41
P/S 1.46
P/FCF N/A
P/OCF 3.26
P/B 1.2
P/tB 1.2
EV/EBITDA 7.69
EPS(TTM)0.67
EY7.74%
EPS(NY)0.34
Fwd EY3.94%
FCF(TTM)-1.3
FCFYN/A
OCF(TTM)2.65
OCFY30.65%
SpS5.94
BVpS7.25
TBVpS7.25
PEG (NY)N/A
PEG (5Y)2.11
Profitability
Industry RankSector Rank
ROA 1.33%
ROE 5.08%
ROCE 7.88%
ROIC 6.22%
ROICexc 6.65%
ROICexgc 6.65%
OM 30.23%
PM (TTM) 6.2%
GM 60.81%
FCFM N/A
ROA(3y)3.56%
ROA(5y)1.64%
ROE(3y)12.75%
ROE(5y)5.35%
ROIC(3y)7.06%
ROIC(5y)6.51%
ROICexc(3y)7.56%
ROICexc(5y)7%
ROICexgc(3y)7.56%
ROICexgc(5y)7%
ROCE(3y)8.94%
ROCE(5y)8.24%
ROICexcg growth 3Y10.96%
ROICexcg growth 5Y9.74%
ROICexc growth 3Y10.96%
ROICexc growth 5Y9.74%
OM growth 3Y-5.91%
OM growth 5Y-5.02%
PM growth 3Y-23.3%
PM growth 5Y-5.77%
GM growth 3Y-3.7%
GM growth 5Y-2.58%
F-Score4
Asset Turnover0.21
Health
Industry RankSector Rank
Debt/Equity 2.14
Debt/FCF N/A
Debt/EBITDA 4.46
Cap/Depr 235.02%
Cap/Sales 66.68%
Interest Coverage 250
Cash Conversion 76.3%
Profit Quality N/A
Current Ratio 0.45
Quick Ratio 0.45
Altman-Z N/A
F-Score4
WACC8.3%
ROIC/WACC0.75
Cap/Depr(3y)237.97%
Cap/Depr(5y)236.76%
Cap/Sales(3y)65.44%
Cap/Sales(5y)64.26%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-30.93%
EPS 3Y-8.54%
EPS 5Y6.13%
EPS Q2Q%-94.44%
EPS Next Y-100%
EPS Next 2Y-41.91%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)6.67%
Revenue growth 3Y20.77%
Revenue growth 5Y14.54%
Sales Q2Q%-18.48%
Revenue Next Year-17.06%
Revenue Next 2Y-6.71%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-2.47%
EBIT growth 3Y13.64%
EBIT growth 5Y8.78%
EBIT Next Year47.76%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-122.55%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y8.67%
OCF growth 3Y8%
OCF growth 5Y8.17%