SOAG Fundamental Analysis - SPAREBANK 1 OSTFOLD AKERSHUS

Fundamental Rating

Overall SOAG gets a fundamental rating of 4 out of 10. We evaluated SOAG against 97 industry peers in the Banks industry. While SOAG is still in line with the averages on profitability rating, there are concerns on its financial health. SOAG has a correct valuation and a medium growth rate.

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1. Profitability

1.1 Basic Checks

In the past year SOAG was profitable.

In the past year SOAG has reported a negative cash flow from operations.

SOAG had positive earnings in each of the past 5 years.

Of the past 5 years SOAG 4 years had a positive operating cash flow.

1.2 Ratios

Looking at the Return On Assets, with a value of 1.87%, SOAG belongs to the top of the industry, outperforming 93.81% of the companies in the same industry.

SOAG has a Return On Equity of 11.79%. This is comparable to the rest of the industry: SOAG outperforms 59.79% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.87%
ROE	11.79%
ROIC	N/A

ROA(3y)1.76%

ROA(5y)1.64%

ROE(3y)10.7%

ROE(5y)10.3%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

SOAG's Profit Margin of 41.96% is amongst the best of the industry. SOAG outperforms 92.78% of its industry peers.

In the last couple of years the Profit Margin of SOAG has remained more or less at the same level.

SOAG does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	41.96%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-0.16%

PM growth 5Y-0.06%

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

SOAG does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, SOAG has about the same amount of shares outstanding.

Compared to 5 years ago, SOAG has more shares outstanding

Compared to 1 year ago, SOAG has a worse debt to assets ratio.

2.2 Solvency

SOAG has a Debt/Equity ratio of 1.12. This is a high value indicating a heavy dependency on external financing.

SOAG's Debt to Equity ratio of 1.12 is fine compared to the rest of the industry. SOAG outperforms 70.10% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.12
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC6.88%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 44.50% over the past year.

The Earnings Per Share has been growing by 10.13% on average over the past years. This is quite good.

The Revenue has grown by 19.62% in the past year. This is quite good.

SOAG shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.01% yearly.

EPS 1Y (TTM)44.5%

EPS 3Y13.87%

EPS 5Y10.13%

EPS Q2Q%84.8%

Revenue 1Y (TTM)19.62%

Revenue growth 3Y13.72%

Revenue growth 5Y10.01%

Sales Q2Q%36.51%

3.2 Future

The Earnings Per Share is expected to decrease by -3.61% on average over the next years.

Based on estimates for the next years, SOAG will show a small growth in Revenue. The Revenue will grow by 1.24% on average per year.

EPS Next Y-11.82%

EPS Next 2Y-8%

EPS Next 3Y-3.61%

EPS Next 5YN/A

Revenue Next Year0.15%

Revenue Next 2Y0.04%

Revenue Next 3Y1.24%

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.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 7.88, the valuation of SOAG can be described as very cheap.

Based on the Price/Earnings ratio, SOAG is valued cheaper than 83.51% of the companies in the same industry.

SOAG is valuated cheaply when we compare the Price/Earnings ratio to 27.67, which is the current average of the S&P500 Index.

With a Price/Forward Earnings ratio of 10.43, the valuation of SOAG can be described as very reasonable.

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

SOAG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.13.

		Industry Rank	Sector Rank
PE	7.88
Fwd PE	10.43

4.2 Price Multiples

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

4.3 Compensation for Growth

SOAG's earnings are expected to decrease with -3.61% in the coming years. This may justify a cheaper valuation.

PEG (NY)N/A

PEG (5Y)0.78

EPS Next 2Y-8%

EPS Next 3Y-3.61%

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5. Dividend

5.1 Amount

SOAG has a Yearly Dividend Yield of 4.59%, which is a nice return.

Compared to an average industry Dividend Yield of 5.02, SOAG has a dividend in line with its industry peers.

Compared to an average S&P500 Dividend Yield of 2.41, SOAG pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.59%

5.2 History

The dividend of SOAG is nicely growing with an annual growth rate of 7.55%!

Dividend Growth(5Y)7.55%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

SOAG pays out 49.92% of its income as dividend. This is a bit on the high side, but may be sustainable.

DP49.92%

EPS Next 2Y-8%

EPS Next 3Y-3.61%

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SPAREBANK 1 OSTFOLD AKERSHUS

OSL:SOAG (9/26/2025, 7:00:00 PM)

436

-1.95 (-0.45%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)08-15 2025-08-15/bmo

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

Inst Owners13.18%

Inst Owner ChangeN/A

Ins Owners0.31%

Ins Owner ChangeN/A

Market Cap5.40B

Analysts45.45

Price Target436.56 (0.13%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.59%

Yearly Dividend23.17

Dividend Growth(5Y)7.55%

DP49.92%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-14.37%

Min EPS beat(2)-17.51%

Max EPS beat(2)-11.23%

EPS beat(4)1

Avg EPS beat(4)6.27%

Min EPS beat(4)-17.51%

Max EPS beat(4)63.51%

EPS beat(8)3

Avg EPS beat(8)2.7%

EPS beat(12)4

Avg EPS beat(12)2.3%

EPS beat(16)8

Avg EPS beat(16)6.32%

Revenue beat(2)0

Avg Revenue beat(2)-2.52%

Min Revenue beat(2)-3.9%

Max Revenue beat(2)-1.13%

Revenue beat(4)1

Avg Revenue beat(4)8.5%

Min Revenue beat(4)-3.9%

Max Revenue beat(4)40.64%

Revenue beat(8)3

Avg Revenue beat(8)4.07%

Revenue beat(12)7

Avg Revenue beat(12)5.82%

Revenue beat(16)11

Avg Revenue beat(16)7.39%

PT rev (1m)0%

PT rev (3m)0%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-7.41%

EPS NY rev (1m)4.91%

EPS NY rev (3m)-0.67%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)4.13%

Revenue NY rev (1m)1.01%

Revenue NY rev (3m)0.69%

Valuation

		Industry Rank	Sector Rank
PE	7.88
Fwd PE	10.43
P/S	3.93
P/FCF	N/A
P/OCF	N/A
P/B	1.1
P/tB	1.11
EV/EBITDA	N/A

EPS(TTM)55.3

EY12.68%

EPS(NY)41.81

Fwd EY9.59%

FCF(TTM)-10.33

FCFYN/A

OCF(TTM)-9.44

OCFYN/A

SpS110.98

BVpS394.92

TBVpS392.25

PEG (NY)N/A

PEG (5Y)0.78

Profitability

		Industry Rank	Sector Rank
ROA	1.87%
ROE	11.79%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	41.96%
GM	N/A
FCFM	N/A

ROA(3y)1.76%

ROA(5y)1.64%

ROE(3y)10.7%

ROE(5y)10.3%

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 3Y-0.16%

PM growth 5Y-0.06%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	1.12
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	0.8%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC6.88%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)0.81%

Cap/Sales(5y)0.81%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)44.5%

EPS 3Y13.87%

EPS 5Y10.13%

EPS Q2Q%84.8%

EPS Next Y-11.82%

EPS Next 2Y-8%

EPS Next 3Y-3.61%

EPS Next 5YN/A

Revenue 1Y (TTM)19.62%

Revenue growth 3Y13.72%

Revenue growth 5Y10.01%

Sales Q2Q%36.51%

Revenue Next Year0.15%

Revenue Next 2Y0.04%

Revenue Next 3Y1.24%

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 1Y-141.16%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-135.89%

OCF growth 3YN/A

OCF growth 5YN/A

SPAREBANK 1 OSTFOLD AKERSHUS (SOAG.OL) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

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

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens