SPAREBANK 1 OSTFOLD AKERSHUS (SOAG.OL) Fundamental Analysis & Valuation

OSL:SOAG • NO0010285562

Current stock price

445 NOK
0 (0%)
Last:

This SOAG.OL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. SOAG.OL Profitability Analysis

1.1 Basic Checks

  • SOAG had positive earnings in the past year.
  • In the past year SOAG had a positive cash flow from operations.
  • SOAG had positive earnings in each of the past 5 years.
  • SOAG had a positive operating cash flow in 4 of the past 5 years.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M 400M -400M 600M 800M

1.2 Ratios

  • SOAG has a better Return On Assets (1.95%) than 94.55% of its industry peers.
  • SOAG's Return On Equity of 11.62% is in line compared to the rest of the industry. SOAG outperforms 59.09% of its industry peers.
Industry RankSector Rank
ROA 1.95%
ROE 11.62%
ROIC N/A
ROA(3y)1.89%
ROA(5y)1.76%
ROE(3y)11.29%
ROE(5y)10.78%
ROIC(3y)N/A
ROIC(5y)N/A
SOAG.OL Yearly ROA, ROE, ROICSOAG.OL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • The Profit Margin of SOAG (43.17%) is better than 93.64% of its industry peers.
  • SOAG's Profit Margin has improved in the last couple of years.
  • SOAG does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 43.17%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y0.91%
PM growth 5Y1.89%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

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3

2. SOAG.OL Health Analysis

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.
  • Compared to 5 years ago, SOAG has more shares outstanding
  • SOAG has a better debt/assets ratio than last year.
SOAG.OL Yearly Shares OutstandingSOAG.OL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

2.2 Solvency

  • SOAG has a debt to FCF ratio of 6.68. This is a slightly negative value and a sign of low solvency as SOAG would need 6.68 years to pay back of all of its debts.
  • SOAG has a Debt to FCF ratio of 6.68. This is amongst the best in the industry. SOAG outperforms 84.55% of its industry peers.
  • SOAG has a Debt/Equity ratio of 0.91. This is a neutral value indicating SOAG is somewhat dependend on debt financing.
  • SOAG has a better Debt to Equity ratio (0.91) than 68.18% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.91
Debt/FCF 6.68
Altman-Z N/A
ROIC/WACCN/A
WACC6.96%
SOAG.OL Yearly LT Debt VS Equity VS FCFSOAG.OL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. SOAG.OL Growth Analysis

3.1 Past

  • The earnings per share for SOAG have decreased by -0.14% in the last year.
  • Measured over the past years, SOAG shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.07% on average per year.
  • The Revenue has been growing slightly by 2.83% in the past year.
  • The Revenue has been growing by 10.05% on average over the past years. This is quite good.
EPS 1Y (TTM)-0.14%
EPS 3Y13.03%
EPS 5Y12.07%
EPS Q2Q%11.72%
Revenue 1Y (TTM)2.83%
Revenue growth 3Y12.1%
Revenue growth 5Y10.05%
Sales Q2Q%1.58%

3.2 Future

  • SOAG is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -1.35% yearly.
  • The Revenue is expected to grow by 4.11% on average over the next years.
EPS Next Y-10.42%
EPS Next 2Y-3.64%
EPS Next 3Y-1.35%
EPS Next 5YN/A
Revenue Next Year-1.11%
Revenue Next 2Y1.44%
Revenue Next 3Y4.11%
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.
SOAG.OL Yearly Revenue VS EstimatesSOAG.OL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 500M 1B 1.5B
SOAG.OL Yearly EPS VS EstimatesSOAG.OL Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 10 20 30 40

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5

4. SOAG.OL Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 9.02, which indicates a very decent valuation of SOAG.
  • 74.55% of the companies in the same industry are more expensive than SOAG, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 25.54. SOAG is valued rather cheaply when compared to this.
  • SOAG is valuated reasonably with a Price/Forward Earnings ratio of 10.07.
  • The rest of the industry has a similar Price/Forward Earnings ratio as SOAG.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.70, SOAG is valued rather cheaply.
Industry RankSector Rank
PE 9.02
Fwd PE 10.07
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 25

4.2 Price Multiples

  • 71.82% of the companies in the same industry are more expensive than SOAG, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 7.68
EV/EBITDA N/A
SOAG.OL Per share dataSOAG.OL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 100 200 300 400

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.75
EPS Next 2Y-3.64%
EPS Next 3Y-1.35%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. SOAG.OL Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 5.37%, SOAG is a good candidate for dividend investing.
  • SOAG's Dividend Yield is comparable with the industry average which is at 4.75.
  • SOAG's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 5.37%

5.2 History

Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

DP0%
EPS Next 2Y-3.64%
EPS Next 3Y-1.35%
SOAG.OL Yearly Income VS Free CF VS DividendSOAG.OL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M 400M -400M 600M 800M

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SOAG.OL Fundamentals: All Metrics, Ratios and Statistics

SPAREBANK 1 OSTFOLD AKERSHUS

OSL:SOAG (3/24/2026, 2:57:38 PM)

445

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-10
Earnings (Next)05-08
Inst Owners10.38%
Inst Owner ChangeN/A
Ins Owners0.31%
Ins Owner ChangeN/A
Market Cap5.51B
Revenue(TTM)1.42B
Net Income(TTM)611.73M
Analysts45.45
Price Target470.73 (5.78%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 5.37%
Yearly Dividend0
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)8.49%
Min EPS beat(2)7.03%
Max EPS beat(2)9.94%
EPS beat(4)3
Avg EPS beat(4)11.97%
Min EPS beat(4)-17.51%
Max EPS beat(4)48.4%
EPS beat(8)5
Avg EPS beat(8)13.37%
EPS beat(12)6
Avg EPS beat(12)6.88%
EPS beat(16)8
Avg EPS beat(16)6.41%
Revenue beat(2)1
Avg Revenue beat(2)2.33%
Min Revenue beat(2)-2.1%
Max Revenue beat(2)6.77%
Revenue beat(4)2
Avg Revenue beat(4)5.63%
Min Revenue beat(4)-2.1%
Max Revenue beat(4)18.97%
Revenue beat(8)4
Avg Revenue beat(8)8.04%
Revenue beat(12)6
Avg Revenue beat(12)5.05%
Revenue beat(16)10
Avg Revenue beat(16)6.31%
PT rev (1m)0%
PT rev (3m)3.59%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)3.77%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-2.56%
Revenue NY rev (3m)-2.56%
Valuation
Industry RankSector Rank
PE 9.02
Fwd PE 10.07
P/S 3.89
P/FCF 7.68
P/OCF 7.62
P/B 1.05
P/tB 1.05
EV/EBITDA N/A
EPS(TTM)49.33
EY11.09%
EPS(NY)44.19
Fwd EY9.93%
FCF(TTM)57.95
FCFY13.02%
OCF(TTM)58.43
OCFY13.13%
SpS114.37
BVpS425.02
TBVpS422.44
PEG (NY)N/A
PEG (5Y)0.75
Graham Number686.83
Profitability
Industry RankSector Rank
ROA 1.95%
ROE 11.62%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 43.17%
GM N/A
FCFM 50.67%
ROA(3y)1.89%
ROA(5y)1.76%
ROE(3y)11.29%
ROE(5y)10.78%
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 3Y0.91%
PM growth 5Y1.89%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.91
Debt/FCF 6.68
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.42%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 117.37%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC6.96%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.46%
Cap/Sales(5y)0.89%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-0.14%
EPS 3Y13.03%
EPS 5Y12.07%
EPS Q2Q%11.72%
EPS Next Y-10.42%
EPS Next 2Y-3.64%
EPS Next 3Y-1.35%
EPS Next 5YN/A
Revenue 1Y (TTM)2.83%
Revenue growth 3Y12.1%
Revenue growth 5Y10.05%
Sales Q2Q%1.58%
Revenue Next Year-1.11%
Revenue Next 2Y1.44%
Revenue Next 3Y4.11%
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 1Y242.46%
FCF growth 3Y33.76%
FCF growth 5Y-2.24%
OCF growth 1Y247.45%
OCF growth 3Y31.97%
OCF growth 5Y-2.07%

SPAREBANK 1 OSTFOLD AKERSHUS / SOAG.OL Fundamental Analysis 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 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.


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 9.02 and the Price/Book (PB) ratio is 1.05.


Is the dividend of SPAREBANK 1 OSTFOLD AKERSHUS sustainable?

The dividend rating of SPAREBANK 1 OSTFOLD AKERSHUS (SOAG.OL) is 4 / 10 and the dividend payout ratio is 0%.