SOAG Fundamental Analysis - SPAREBANK 1 OSTFOLD AKERSHUS

Fundamental Rating

SOAG gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 95 industry peers in the Banks industry. SOAG has a medium profitability rating, but doesn't score so well on its financial health evaluation. SOAG is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

SOAG had positive earnings in the past year.

SOAG had a negative operating cash flow in the past year.

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 94.74% of its industry peers.

SOAG's Return On Equity of 11.79% is in line compared to the rest of the industry. SOAG outperforms 57.89% 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 93.68% 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.

SOAG has about the same amout of shares outstanding than it did 1 year ago.

The number of shares outstanding for SOAG has been increased compared to 5 years ago.

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

2.2 Solvency

A Debt/Equity ratio of 1.12 is on the high side and indicates that SOAG has dependencies on debt financing.

SOAG's Debt to Equity ratio of 1.12 is fine compared to the rest of the industry. SOAG outperforms 72.63% of its industry peers.

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

ROIC/WACCN/A

WACC6.89%

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

SOAG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 20.30%, 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.

The Revenue has grown by 14.20% in the past year. This is quite good.

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)20.3%

EPS 3Y13.87%

EPS 5Y10.13%

EPS Q2Q%-22.43%

Revenue 1Y (TTM)14.2%

Revenue growth 3Y13.72%

Revenue growth 5Y10.01%

Sales Q2Q%-2.56%

3.2 Future

SOAG is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -2.82% yearly.

SOAG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.86% yearly.

EPS Next Y-11.23%

EPS Next 2Y-6.26%

EPS Next 3Y-2.82%

EPS Next 5YN/A

Revenue Next Year-0.54%

Revenue Next 2Y0.57%

Revenue Next 3Y0.86%

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

The Price/Earnings ratio is 8.97, which indicates a very decent valuation of SOAG.

61.05% of the companies in the same industry are more expensive than SOAG, based on the Price/Earnings ratio.

When comparing the Price/Earnings ratio of SOAG to the average of the S&P500 Index (27.54), we can say SOAG is valued rather cheaply.

The Price/Forward Earnings ratio is 9.70, which indicates a very decent valuation of SOAG.

Compared to the rest of the industry, the Price/Forward Earnings ratio of SOAG is on the same level as its industry peers.

SOAG is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.44, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	8.97
Fwd PE	9.7

4.2 Price Multiples

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

4.3 Compensation for Growth

A cheap valuation may be justified as SOAG's earnings are expected to decrease with -2.82% in the coming years.

PEG (NY)N/A

PEG (5Y)0.89

EPS Next 2Y-6.26%

EPS Next 3Y-2.82%

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5. Dividend

5.1 Amount

SOAG has a Yearly Dividend Yield of 4.79%, which is a nice return.

Compared to an average industry Dividend Yield of 5.06, SOAG has a dividend in line with its industry peers.

Compared to an average S&P500 Dividend Yield of 2.35, SOAG pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.79%

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-6.26%

EPS Next 3Y-2.82%

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SPAREBANK 1 OSTFOLD AKERSHUS

OSL:SOAG (7/18/2025, 7:00:00 PM)

421

+1 (+0.24%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)05-15 2025-05-15/bmo

Earnings (Next)08-15 2025-08-15

Inst Owners13.47%

Inst Owner ChangeN/A

Ins Owners0.31%

Ins Owner ChangeN/A

Market Cap5.22B

Analysts45.45

Price Target436.56 (3.7%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.79%

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)0.12%

EPS NQ rev (1m)-7.41%

EPS NQ rev (3m)6.35%

EPS NY rev (1m)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)-2.12%

Revenue NQ rev (3m)-1.23%

Revenue NY rev (1m)0%

Revenue NY rev (3m)1.01%

Valuation

		Industry Rank	Sector Rank
PE	8.97
Fwd PE	9.7
P/S	3.79
P/FCF	N/A
P/OCF	N/A
P/B	1.07
P/tB	1.07
EV/EBITDA	N/A

EPS(TTM)46.93

EY11.15%

EPS(NY)43.41

Fwd EY10.31%

FCF(TTM)-10.33

FCFYN/A

OCF(TTM)-9.44

OCFYN/A

SpS110.98

BVpS394.92

TBVpS392.25

PEG (NY)N/A

PEG (5Y)0.89

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

WACC6.89%

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)20.3%

EPS 3Y13.87%

EPS 5Y10.13%

EPS Q2Q%-22.43%

EPS Next Y-11.23%

EPS Next 2Y-6.26%

EPS Next 3Y-2.82%

EPS Next 5YN/A

Revenue 1Y (TTM)14.2%

Revenue growth 3Y13.72%

Revenue growth 5Y10.01%

Sales Q2Q%-2.56%

Revenue Next Year-0.54%

Revenue Next 2Y0.57%

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-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