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

OSL:SOAG - Euronext Oslo - NO0010285562 - Common Stock - Currency: NOK

410  0 (0%)

Fundamental Rating

4

SOAG gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 95 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 is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

SOAG had positive earnings in the past year.
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.
SOAG.OL Yearly Net Income VS EBIT VS OCF VS FCFSOAG.OL 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 -400M 600M 800M

1.2 Ratios

SOAG has a better Return On Assets (2.07%) than 95.79% of its industry peers.
The Return On Equity of SOAG (12.06%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 2.07%
ROE 12.06%
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
SOAG.OL Yearly ROA, ROE, ROICSOAG.OL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

The Profit Margin of SOAG (44.10%) is better than 96.84% of its industry peers.
In the last couple of years the Profit Margin of SOAG has remained more or less at the same level.
The Operating Margin and Gross Margin are not available for SOAG so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 44.1%
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
SOAG.OL Yearly Profit, Operating, Gross MarginsSOAG.OL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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1

2. Health

2.1 Basic Checks

SOAG does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for SOAG remains at a similar level compared to 1 year ago.
The number of shares outstanding for SOAG has been increased compared to 5 years ago.
SOAG has a worse debt/assets ratio than last year.
SOAG.OL Yearly Shares OutstandingSOAG.OL Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
SOAG.OL Yearly Total Debt VS Total AssetsSOAG.OL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B 25B

2.2 Solvency

A Debt/Equity ratio of 0.97 indicates that SOAG is somewhat dependend on debt financing.
SOAG has a Debt to Equity ratio of 0.97. This is in the better half of the industry: SOAG outperforms 76.84% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.97
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC6.9%
SOAG.OL Yearly LT Debt VS Equity VS FCFSOAG.OL 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 3B 4B 5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SOAG.OL Yearly Current Assets VS Current LiabilitesSOAG.OL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

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5

3. Growth

3.1 Past

SOAG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 32.58%, which is quite impressive.
SOAG shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.13% yearly.
Looking at the last year, SOAG shows a quite strong growth in Revenue. The Revenue has grown by 17.68% in the last year.
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)32.58%
EPS 3Y13.87%
EPS 5Y10.13%
EPS Q2Q%10.8%
Revenue 1Y (TTM)17.68%
Revenue growth 3Y13.72%
Revenue growth 5Y10.01%
Sales Q2Q%10.07%

3.2 Future

The Earnings Per Share is expected to decrease by -2.82% on average over the next years.
The Revenue is expected to grow by 0.86% on average over the next years.
EPS Next Y-11.23%
EPS Next 2Y-6.26%
EPS Next 3Y-2.82%
EPS Next 5YN/A
Revenue Next Year-1.07%
Revenue Next 2Y0.38%
Revenue Next 3Y0.86%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
SOAG.OL Yearly Revenue VS EstimatesSOAG.OL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M 1B
SOAG.OL Yearly EPS VS EstimatesSOAG.OL Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 10 20 30 40

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4

4. Valuation

4.1 Price/Earnings Ratio

SOAG is valuated reasonably with a Price/Earnings ratio of 8.30.
Based on the Price/Earnings ratio, SOAG is valued a bit cheaper than the industry average as 65.26% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of SOAG to the average of the S&P500 Index (24.29), we can say SOAG is valued rather cheaply.
SOAG is valuated reasonably with a Price/Forward Earnings ratio of 9.35.
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 20.42.
Industry RankSector Rank
PE 8.3
Fwd PE 9.35
SOAG.OL Price Earnings VS Forward Price EarningsSOAG.OL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
SOAG.OL Per share dataSOAG.OL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 100 200 300 400

4.3 Compensation for Growth

SOAG's earnings are expected to decrease with -2.82% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.82
EPS Next 2Y-6.26%
EPS Next 3Y-2.82%

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6

5. Dividend

5.1 Amount

SOAG has a Yearly Dividend Yield of 4.84%, which is a nice return.
Compared to an average industry Dividend Yield of 5.30, SOAG has a dividend in line with its industry peers.
SOAG's Dividend Yield is rather good when compared to the S&P500 average which is at 2.43.
Industry RankSector Rank
Dividend Yield 4.84%

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

47.23% of the earnings are spent on dividend by SOAG. This is a bit on the high side, but may be sustainable.
DP47.23%
EPS Next 2Y-6.26%
EPS Next 3Y-2.82%
SOAG.OL Yearly Income VS Free CF VS DividendSOAG.OL 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 -400M 600M 800M
SOAG.OL Dividend Payout.SOAG.OL Dividend Payout, showing the Payout Ratio.SOAG.OL Dividend Payout.PayoutRetained Earnings

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SPAREBANK 1 OSTFOLD AKERSHUS

OSL:SOAG (5/5/2025, 7:00:00 PM)

410

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-07 2025-02-07/bmo
Earnings (Next)05-15 2025-05-15
Inst Owners13.43%
Inst Owner ChangeN/A
Ins Owners0.31%
Ins Owner ChangeN/A
Market Cap5.08B
Analysts45.45
Price Target436.05 (6.35%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.84%
Yearly Dividend23.17
Dividend Growth(5Y)7.55%
DP47.23%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)26.14%
Min EPS beat(2)-11.23%
Max EPS beat(2)63.51%
EPS beat(4)2
Avg EPS beat(4)14.77%
Min EPS beat(4)-11.23%
Max EPS beat(4)63.51%
EPS beat(8)3
Avg EPS beat(8)4.33%
EPS beat(12)5
Avg EPS beat(12)4.56%
EPS beat(16)9
Avg EPS beat(16)8.58%
Revenue beat(2)1
Avg Revenue beat(2)18.37%
Min Revenue beat(2)-3.9%
Max Revenue beat(2)40.64%
Revenue beat(4)2
Avg Revenue beat(4)10.46%
Min Revenue beat(4)-3.9%
Max Revenue beat(4)40.64%
Revenue beat(8)4
Avg Revenue beat(8)4.76%
Revenue beat(12)8
Avg Revenue beat(12)6.54%
Revenue beat(16)12
Avg Revenue beat(16)8.02%
PT rev (1m)0%
PT rev (3m)11.47%
EPS NQ rev (1m)-13.23%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)10.81%
Revenue NQ rev (1m)0.57%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.47%
Revenue NY rev (3m)0.7%
Valuation
Industry RankSector Rank
PE 8.3
Fwd PE 9.35
P/S 3.69
P/FCF N/A
P/OCF N/A
P/B 1.01
P/tB 1.02
EV/EBITDA N/A
EPS(TTM)49.4
EY12.05%
EPS(NY)43.85
Fwd EY10.7%
FCF(TTM)-40.68
FCFYN/A
OCF(TTM)-39.63
OCFYN/A
SpS111.22
BVpS406.54
TBVpS403.87
PEG (NY)N/A
PEG (5Y)0.82
Profitability
Industry RankSector Rank
ROA 2.07%
ROE 12.06%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 44.1%
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 Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.97
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.94%
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
WACC6.9%
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)32.58%
EPS 3Y13.87%
EPS 5Y10.13%
EPS Q2Q%10.8%
EPS Next Y-11.23%
EPS Next 2Y-6.26%
EPS Next 3Y-2.82%
EPS Next 5YN/A
Revenue 1Y (TTM)17.68%
Revenue growth 3Y13.72%
Revenue growth 5Y10.01%
Sales Q2Q%10.07%
Revenue Next Year-1.07%
Revenue Next 2Y0.38%
Revenue Next 3Y0.86%
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-250.9%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-247.01%
OCF growth 3YN/A
OCF growth 5YN/A