SPAREBANK 1 OSTFOLD AKERSHUS (SOAG.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:SOAG - NO0010285562 - Common Stock
467 NOK
+13 (+2.86%)
We assign a fundamental rating of 4 out of 10 to SOAG. SOAG was compared to 108 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 decent growth rate and is not valued too expensively. Finally SOAG also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year SOAG was profitable.
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 (2.13%) is better than 95.37% of its industry peers.
The Return On Equity of SOAG (13.29%) is better than 64.81% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.13% | ||
| ROE | 13.29% | ||
| 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 has a Profit Margin of 45.64%. This is amongst the best in the industry. SOAG outperforms 96.30% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 45.64% | ||
| 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.
The number of shares outstanding for SOAG remains at a similar level compared to 1 year ago.
SOAG has more shares outstanding than it did 5 years ago.
The debt/assets ratio for SOAG is higher compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of SOAG is 462.00, which is on the high side as it means it would take SOAG, 462.00 years of fcf income to pay off all of its debts.
SOAG has a better Debt to FCF ratio (462.00) than 62.96% of its industry peers.
SOAG has a Debt/Equity ratio of 0.99. This is a neutral value indicating SOAG is somewhat dependend on debt financing.
SOAG's Debt to Equity ratio of 0.99 is fine compared to the rest of the industry. SOAG outperforms 77.78% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.99 | ||
| Debt/FCF | 462 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.97%
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.
Looking at the last year, SOAG shows a quite strong growth in Revenue. The Revenue has grown by 19.62% in the last year.
Measured over the past years, SOAG shows a quite strong growth in Revenue. The Revenue has been growing by 10.01% on average per year.
EPS 1Y (TTM)-0.54%
EPS 3Y13.87%
EPS 5Y10.13%
EPS Q2Q%-37.61%
Revenue 1Y (TTM)19.62%
Revenue growth 3Y13.72%
Revenue growth 5Y10.01%
Sales Q2Q%-20.71%
3.2 Future
Based on estimates for the next years, SOAG will show a decrease in Earnings Per Share. The EPS will decrease by -3.61% on average per year.
The Revenue is expected to grow by 1.41% on average over the next years.
EPS Next Y-11.82%
EPS Next 2Y-8%
EPS Next 3Y-3.61%
EPS Next 5YN/A
Revenue Next Year0.15%
Revenue Next 2Y0.23%
Revenue Next 3Y1.41%
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.
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
Based on the Price/Earnings ratio of 9.69, the valuation of SOAG can be described as reasonable.
69.44% of the companies in the same industry are more expensive than SOAG, based on the Price/Earnings ratio.
SOAG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.15.
A Price/Forward Earnings ratio of 11.17 indicates a reasonable valuation of SOAG.
The rest of the industry has a similar Price/Forward Earnings ratio as SOAG.
SOAG is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.12, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.69 | ||
| Fwd PE | 11.17 |
4.2 Price Multiples
62.96% of the companies in the same industry are more expensive than SOAG, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 526.01 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as SOAG's earnings are expected to decrease with -3.61% in the coming years.
PEG (NY)N/A
PEG (5Y)0.96
EPS Next 2Y-8%
EPS Next 3Y-3.61%
5. Dividend
5.1 Amount
SOAG has a Yearly Dividend Yield of 4.44%, which is a nice return.
Compared to an average industry Dividend Yield of 4.85, 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 | 4.44% |
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
39.97% of the earnings are spent on dividend by SOAG. This is a low number and sustainable payout ratio.
DP39.97%
EPS Next 2Y-8%
EPS Next 3Y-3.61%
OSL:SOAG (11/26/2025, 7:00:00 PM)
467
+13 (+2.86%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners13.18%
Inst Owner ChangeN/A
Ins Owners0.31%
Ins Owner ChangeN/A
Market Cap5.79B
Revenue(TTM)1.38B
Net Income(TTM)680.56M
Analysts45.45
Price Target454.41 (-2.7%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.44% |
Yearly Dividend23.17
Dividend Growth(5Y)7.55%
DP39.97%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)15.44%
Min EPS beat(2)-17.51%
Max EPS beat(2)48.4%
EPS beat(4)2
Avg EPS beat(4)20.79%
Min EPS beat(4)-17.51%
Max EPS beat(4)63.51%
EPS beat(8)3
Avg EPS beat(8)8.04%
EPS beat(12)5
Avg EPS beat(12)7.25%
EPS beat(16)8
Avg EPS beat(16)7.19%
Revenue beat(2)1
Avg Revenue beat(2)8.92%
Min Revenue beat(2)-1.13%
Max Revenue beat(2)18.97%
Revenue beat(4)2
Avg Revenue beat(4)13.64%
Min Revenue beat(4)-3.9%
Max Revenue beat(4)40.64%
Revenue beat(8)3
Avg Revenue beat(8)6.2%
Revenue beat(12)7
Avg Revenue beat(12)6.96%
Revenue beat(16)11
Avg Revenue beat(16)7.08%
PT rev (1m)4.09%
PT rev (3m)4.09%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.87%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.67%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.32%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.01%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.69 | ||
| Fwd PE | 11.17 | ||
| P/S | 3.88 | ||
| P/FCF | 526.01 | ||
| P/OCF | 263.01 | ||
| P/B | 1.13 | ||
| P/tB | 1.14 | ||
| EV/EBITDA | N/A |
EPS(TTM)48.2
EY10.32%
EPS(NY)41.81
Fwd EY8.95%
FCF(TTM)0.89
FCFY0.19%
OCF(TTM)1.78
OCFY0.38%
SpS120.34
BVpS413.24
TBVpS410.65
PEG (NY)N/A
PEG (5Y)0.96
Graham Number669.44
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.13% | ||
| ROE | 13.29% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 45.64% | ||
| GM | N/A | ||
| FCFM | 0.74% |
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-Score6
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.99 | ||
| Debt/FCF | 462 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.74% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 1.62% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC6.97%
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-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%-20.71%
Revenue Next Year0.15%
Revenue Next 2Y0.23%
Revenue Next 3Y1.41%
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 1Y107.64%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y117.05%
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.
Can you provide the valuation status for SPAREBANK 1 OSTFOLD AKERSHUS?
ChartMill assigns a valuation rating of 5 / 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.
Can you provide the financial health for SOAG stock?
The financial health rating of SPAREBANK 1 OSTFOLD AKERSHUS (SOAG.OL) is 2 / 10.
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 39.97%.