SKUE SPAREBANK (SKUE.OL) Stock Fundamental Analysis
Europe - OSL:SKUE - NO0006001809 - Common Stock
314.65 NOK
+0.95 (+0.3%)
Taking everything into account, SKUE scores 4 out of 10 in our fundamental rating. SKUE was compared to 95 industry peers in the Banks industry. SKUE has a bad profitability rating. Also its financial health evaluation is rather negative. SKUE has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year SKUE was profitable.
In the past year SKUE had a positive cash flow from operations.
SKUE had positive earnings in each of the past 5 years.
SKUE had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
SKUE's Return On Assets of 0.37% is on the low side compared to the rest of the industry. SKUE is outperformed by 82.11% of its industry peers.
SKUE's Return On Equity of 2.77% is on the low side compared to the rest of the industry. SKUE is outperformed by 84.21% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.37% | ||
| ROE | 2.77% | ||
| ROIC | N/A |
ROA(3y)0.32%
ROA(5y)0.28%
ROE(3y)2.46%
ROE(5y)2.29%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of SKUE (12.75%) is worse than 82.11% of its industry peers.
In the last couple of years the Profit Margin of SKUE has remained more or less at the same level.
The Operating Margin and Gross Margin are not available for SKUE so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 12.75% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y6.29%
PM growth 5Y-0.17%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
SKUE does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, SKUE has more shares outstanding
Compared to 5 years ago, SKUE has more shares outstanding
The debt/assets ratio for SKUE has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of SKUE is 5.04, which is a neutral value as it means it would take SKUE, 5.04 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 5.04, SKUE belongs to the top of the industry, outperforming 90.53% of the companies in the same industry.
SKUE has a Debt/Equity ratio of 1.58. This is a high value indicating a heavy dependency on external financing.
With a decent Debt to Equity ratio value of 1.58, SKUE is doing good in the industry, outperforming 63.16% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.58 | ||
| Debt/FCF | 5.04 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.54%
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 impressive 33.59% over the past year.
The Earnings Per Share has been growing by 12.08% on average over the past years. This is quite good.
The Revenue has been growing slightly by 7.95% in the past year.
The Revenue has been growing by 17.02% on average over the past years. This is quite good.
EPS 1Y (TTM)33.59%
EPS 3Y19.52%
EPS 5Y12.08%
EPS Q2Q%14.25%
Revenue 1Y (TTM)7.95%
Revenue growth 3Y16.36%
Revenue growth 5Y17.02%
Sales Q2Q%36.49%
3.2 Future
SKUE is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -7.86% yearly.
Based on estimates for the next years, SKUE will show a quite strong growth in Revenue. The Revenue will grow by 12.60% on average per year.
EPS Next Y-23.34%
EPS Next 2Y-12.2%
EPS Next 3Y-7.86%
EPS Next 5YN/A
Revenue Next Year23.73%
Revenue Next 2Y15.52%
Revenue Next 3Y12.6%
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.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 8.74, which indicates a very decent valuation of SKUE.
Based on the Price/Earnings ratio, SKUE is valued a bit cheaper than the industry average as 76.84% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of SKUE to the average of the S&P500 Index (25.67), we can say SKUE is valued rather cheaply.
A Price/Forward Earnings ratio of 11.54 indicates a reasonable valuation of SKUE.
Based on the Price/Forward Earnings ratio, SKUE is valued a bit more expensive than the industry average as 68.42% of the companies are valued more cheaply.
The average S&P500 Price/Forward Earnings ratio is at 31.86. SKUE is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.74 | ||
| Fwd PE | 11.54 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, SKUE is valued cheaply inside the industry as 98.95% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.73 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as SKUE's earnings are expected to decrease with -7.86% in the coming years.
PEG (NY)N/A
PEG (5Y)0.72
EPS Next 2Y-12.2%
EPS Next 3Y-7.86%
5. Dividend
5.1 Amount
SKUE has a Yearly Dividend Yield of 10.39%, which is a nice return.
SKUE's Dividend Yield is rather good when compared to the industry average which is at 4.84. SKUE pays more dividend than 98.95% of the companies in the same industry.
SKUE's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.39% |
5.2 History
On average, the dividend of SKUE grows each year by 11.29%, which is quite nice.
Dividend Growth(5Y)11.29%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
85.61% of the earnings are spent on dividend by SKUE. This is not a sustainable payout ratio.
The Dividend Rate of SKUE has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP85.61%
EPS Next 2Y-12.2%
EPS Next 3Y-7.86%
OSL:SKUE (11/6/2025, 7:00:00 PM)
314.65
+0.95 (+0.3%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners15.95%
Inst Owner ChangeN/A
Ins Owners15.19%
Ins Owner ChangeN/A
Market Cap720.55M
Revenue(TTM)683.48M
Net Income(TTM)87.13M
Analysts42.22
Price Target338.64 (7.62%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 10.39% |
Yearly Dividend16.22
Dividend Growth(5Y)11.29%
DP85.61%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.98%
Min EPS beat(2)-6.2%
Max EPS beat(2)8.16%
EPS beat(4)2
Avg EPS beat(4)18.81%
Min EPS beat(4)-7.06%
Max EPS beat(4)80.33%
EPS beat(8)3
Avg EPS beat(8)5.32%
EPS beat(12)3
Avg EPS beat(12)0.21%
EPS beat(16)4
Avg EPS beat(16)1.26%
Revenue beat(2)0
Avg Revenue beat(2)-5.17%
Min Revenue beat(2)-7.45%
Max Revenue beat(2)-2.89%
Revenue beat(4)1
Avg Revenue beat(4)-1.92%
Min Revenue beat(4)-7.45%
Max Revenue beat(4)6.15%
Revenue beat(8)2
Avg Revenue beat(8)-2.56%
Revenue beat(12)3
Avg Revenue beat(12)-3.55%
Revenue beat(16)6
Avg Revenue beat(16)-0.26%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-9.43%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.74 | ||
| Fwd PE | 11.54 | ||
| P/S | 1.05 | ||
| P/FCF | 0.73 | ||
| P/OCF | 0.72 | ||
| P/B | 0.23 | ||
| P/tB | 0.23 | ||
| EV/EBITDA | N/A |
EPS(TTM)35.99
EY11.44%
EPS(NY)27.27
Fwd EY8.67%
FCF(TTM)429.85
FCFY136.61%
OCF(TTM)435.3
OCFY138.34%
SpS298.46
BVpS1371.67
TBVpS1371.67
PEG (NY)N/A
PEG (5Y)0.72
Graham Number1053.92
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.37% | ||
| ROE | 2.77% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 12.75% | ||
| GM | N/A | ||
| FCFM | 144.02% |
ROA(3y)0.32%
ROA(5y)0.28%
ROE(3y)2.46%
ROE(5y)2.29%
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 3Y6.29%
PM growth 5Y-0.17%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.58 | ||
| Debt/FCF | 5.04 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 1.82% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 1129.76% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC8.54%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.33%
Cap/Sales(5y)0.51%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)33.59%
EPS 3Y19.52%
EPS 5Y12.08%
EPS Q2Q%14.25%
EPS Next Y-23.34%
EPS Next 2Y-12.2%
EPS Next 3Y-7.86%
EPS Next 5YN/A
Revenue 1Y (TTM)7.95%
Revenue growth 3Y16.36%
Revenue growth 5Y17.02%
Sales Q2Q%36.49%
Revenue Next Year23.73%
Revenue Next 2Y15.52%
Revenue Next 3Y12.6%
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 1Y6017.84%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y5110.79%
OCF growth 3YN/A
OCF growth 5YN/A
SKUE SPAREBANK / SKUE.OL FAQ
Can you provide the ChartMill fundamental rating for SKUE SPAREBANK?
ChartMill assigns a fundamental rating of 4 / 10 to SKUE.OL.
What is the valuation status for SKUE stock?
ChartMill assigns a valuation rating of 5 / 10 to SKUE SPAREBANK (SKUE.OL). This can be considered as Fairly Valued.
Can you provide the profitability details for SKUE SPAREBANK?
SKUE SPAREBANK (SKUE.OL) has a profitability rating of 2 / 10.
What is the earnings growth outlook for SKUE SPAREBANK?
The Earnings per Share (EPS) of SKUE SPAREBANK (SKUE.OL) is expected to decline by -23.34% in the next year.
Can you provide the dividend sustainability for SKUE stock?
The dividend rating of SKUE SPAREBANK (SKUE.OL) is 6 / 10 and the dividend payout ratio is 85.61%.