SPAREBANK 1 OSTFOLD AKERSHUS (SOAG.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:SOAG - NO0010285562 - Common Stock
442.95 NOK
+6.65 (+1.52%)
We assign a fundamental rating of 4 out of 10 to SOAG. SOAG was compared to 111 industry peers in the Banks industry. SOAG has a medium profitability rating, but doesn't score so well on its financial health evaluation. SOAG has a valuation in line with the averages, but it does not seem to be growing. Finally SOAG also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- SOAG had positive earnings in the past year.
- In the past year SOAG had a positive cash flow from operations.
- Each year in the past 5 years SOAG has been profitable.
- Of the past 5 years SOAG 4 years had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of SOAG (1.87%) is better than 90.99% of its industry peers.
- SOAG has a Return On Equity of 11.25%. This is comparable to the rest of the industry: SOAG outperforms 53.15% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.87% | ||
| ROE | 11.25% | ||
| 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 42.29% is amongst the best of the industry. SOAG outperforms 96.40% 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) | 42.29% | ||
| 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
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
- The debt/assets ratio for SOAG is higher compared to a year ago.
2.2 Solvency
- The Debt to FCF ratio of SOAG is 4.68, which is a neutral value as it means it would take SOAG, 4.68 years of fcf income to pay off all of its debts.
- SOAG has a better Debt to FCF ratio (4.68) than 90.99% of its industry peers.
- A Debt/Equity ratio of 0.91 indicates that SOAG is somewhat dependend on debt financing.
- SOAG's Debt to Equity ratio of 0.91 is fine compared to the rest of the industry. SOAG outperforms 73.87% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.91 | ||
| Debt/FCF | 4.68 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.92%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- SOAG shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -0.54%.
- Measured over the past years, SOAG shows a quite strong growth in Earnings Per Share. The EPS has been growing by 10.13% on average per year.
- The Revenue has been growing slightly by 3.47% in the past year.
- The Revenue has been growing by 10.01% on average over the past years. This is quite good.
EPS 1Y (TTM)-0.54%
EPS 3Y13.87%
EPS 5Y10.13%
EPS Q2Q%-37.61%
Revenue 1Y (TTM)3.47%
Revenue growth 3Y13.72%
Revenue growth 5Y10.01%
Sales Q2Q%-20.71%
3.2 Future
- SOAG is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -2.49% yearly.
- Based on estimates for the next years, SOAG will show a small growth in Revenue. The Revenue will grow by 2.57% on average per year.
EPS Next Y-1.84%
EPS Next 2Y-5.42%
EPS Next 3Y-2.49%
EPS Next 5YN/A
Revenue Next Year8.37%
Revenue Next 2Y2.43%
Revenue Next 3Y2.57%
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
- A Price/Earnings ratio of 9.19 indicates a reasonable valuation of SOAG.
- Based on the Price/Earnings ratio, SOAG is valued cheaper than 83.78% of the companies in the same industry.
- When comparing the Price/Earnings ratio of SOAG to the average of the S&P500 Index (27.32), we can say SOAG is valued rather cheaply.
- The Price/Forward Earnings ratio is 10.02, which indicates a very decent valuation of SOAG.
- Based on the Price/Forward Earnings ratio, SOAG is valued cheaper than 80.18% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of SOAG to the average of the S&P500 Index (24.32), we can say SOAG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.19 | ||
| Fwd PE | 10.02 |
4.2 Price Multiples
- SOAG's Price/Free Cash Flow ratio is rather cheap when compared to the industry. SOAG is cheaper than 85.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.34 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- SOAG's earnings are expected to decrease with -2.49% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.91
EPS Next 2Y-5.42%
EPS Next 3Y-2.49%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 4.53%, SOAG is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 4.03, SOAG pays a bit more dividend than its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.83, SOAG pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.53% |
5.2 History
- On average, the dividend of SOAG grows each year by 7.55%, which is quite nice.
Dividend Growth(5Y)7.55%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
- SOAG pays out 45.71% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP45.71%
EPS Next 2Y-5.42%
EPS Next 3Y-2.49%
OSL:SOAG (1/22/2026, 7:00:00 PM)
442.95
+6.65 (+1.52%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-31 2025-10-31/bmo
Earnings (Next)02-10 2026-02-10
Inst Owners10.38%
Inst Owner ChangeN/A
Ins Owners0.31%
Ins Owner ChangeN/A
Market Cap5.49B
Revenue(TTM)1.40B
Net Income(TTM)592.87M
Analysts45.45
Price Target470.73 (6.27%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.53% |
Yearly Dividend23.17
Dividend Growth(5Y)7.55%
DP45.71%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)29.17%
Min EPS beat(2)9.94%
Max EPS beat(2)48.4%
EPS beat(4)2
Avg EPS beat(4)7.4%
Min EPS beat(4)-17.51%
Max EPS beat(4)48.4%
EPS beat(8)4
Avg EPS beat(8)11.69%
EPS beat(12)6
Avg EPS beat(12)9.64%
EPS beat(16)8
Avg EPS beat(16)6.65%
Revenue beat(2)2
Avg Revenue beat(2)12.87%
Min Revenue beat(2)6.77%
Max Revenue beat(2)18.97%
Revenue beat(4)2
Avg Revenue beat(4)5.17%
Min Revenue beat(4)-3.9%
Max Revenue beat(4)18.97%
Revenue beat(8)4
Avg Revenue beat(8)8.09%
Revenue beat(12)7
Avg Revenue beat(12)7.33%
Revenue beat(16)11
Avg Revenue beat(16)6.92%
PT rev (1m)3.59%
PT rev (3m)7.83%
EPS NQ rev (1m)6.08%
EPS NQ rev (3m)6.13%
EPS NY rev (1m)1.91%
EPS NY rev (3m)11.32%
Revenue NQ rev (1m)-3.61%
Revenue NQ rev (3m)3.09%
Revenue NY rev (1m)0%
Revenue NY rev (3m)8.2%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.19 | ||
| Fwd PE | 10.02 | ||
| P/S | 3.91 | ||
| P/FCF | 5.34 | ||
| P/OCF | 5.31 | ||
| P/B | 1.04 | ||
| P/tB | 1.05 | ||
| EV/EBITDA | N/A |
EPS(TTM)48.2
EY10.88%
EPS(NY)44.19
Fwd EY9.98%
FCF(TTM)82.89
FCFY18.71%
OCF(TTM)83.37
OCFY18.82%
SpS113.16
BVpS425.18
TBVpS422.6
PEG (NY)N/A
PEG (5Y)0.91
Graham Number679.05
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.87% | ||
| ROE | 11.25% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 42.29% | ||
| GM | N/A | ||
| FCFM | 73.25% |
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
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 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 | 0.91 | ||
| Debt/FCF | 4.68 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.43% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 173.23% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC6.92%
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)-0.54%
EPS 3Y13.87%
EPS 5Y10.13%
EPS Q2Q%-37.61%
EPS Next Y-1.84%
EPS Next 2Y-5.42%
EPS Next 3Y-2.49%
EPS Next 5YN/A
Revenue 1Y (TTM)3.47%
Revenue growth 3Y13.72%
Revenue growth 5Y10.01%
Sales Q2Q%-20.71%
Revenue Next Year8.37%
Revenue Next 2Y2.43%
Revenue Next 3Y2.57%
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 1Y247.98%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y252.14%
OCF growth 3YN/A
OCF growth 5YN/A
SPAREBANK 1 OSTFOLD AKERSHUS / SOAG.OL FAQ
What is the fundamental rating for SOAG stock?
ChartMill assigns a fundamental rating of 4 / 10 to SOAG.OL.
What is the valuation status of SPAREBANK 1 OSTFOLD AKERSHUS (SOAG.OL) stock?
ChartMill assigns a valuation rating of 6 / 10 to SPAREBANK 1 OSTFOLD AKERSHUS (SOAG.OL). This can be considered as Fairly Valued.
How profitable is SPAREBANK 1 OSTFOLD AKERSHUS (SOAG.OL) stock?
SPAREBANK 1 OSTFOLD AKERSHUS (SOAG.OL) has a profitability rating of 4 / 10.
What are the PE and PB ratios of SPAREBANK 1 OSTFOLD AKERSHUS (SOAG.OL) stock?
The Price/Earnings (PE) ratio for SPAREBANK 1 OSTFOLD AKERSHUS (SOAG.OL) is 9.19 and the Price/Book (PB) ratio is 1.04.
Is the dividend of SPAREBANK 1 OSTFOLD AKERSHUS sustainable?
The dividend rating of SPAREBANK 1 OSTFOLD AKERSHUS (SOAG.OL) is 7 / 10 and the dividend payout ratio is 45.71%.