SOGN SPAREBANK (SOGN.OL) Fundamental Analysis & Valuation

OSL:SOGN • NO0006000603

Current stock price

355.15 NOK
+0.2 (+0.06%)
Last:

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

3

1. SOGN.OL Profitability Analysis

1.1 Basic Checks

  • In the past year SOGN was profitable.
  • SOGN had a positive operating cash flow in the past year.
  • In the past 5 years SOGN has always been profitable.
  • SOGN had a positive operating cash flow in each of the past 5 years.
SOGN.OL Yearly Net Income VS EBIT VS OCF VS FCFSOGN.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 100M -100M 200M

1.2 Ratios

  • SOGN has a Return On Assets of 0.16%. This is amonst the worse of the industry: SOGN underperforms 95.45% of its industry peers.
  • SOGN's Return On Equity of 1.02% is on the low side compared to the rest of the industry. SOGN is outperformed by 95.45% of its industry peers.
Industry RankSector Rank
ROA 0.16%
ROE 1.02%
ROIC N/A
ROA(3y)0.16%
ROA(5y)0.14%
ROE(3y)1.07%
ROE(5y)0.96%
ROIC(3y)N/A
ROIC(5y)N/A
SOGN.OL Yearly ROA, ROE, ROICSOGN.OL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2

1.3 Margins

  • SOGN has a worse Profit Margin (5.11%) than 95.45% of its industry peers.
  • In the last couple of years the Profit Margin of SOGN has grown nicely.
  • SOGN 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) 5.11%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.79%
PM growth 5Y12.92%
GM growth 3YN/A
GM growth 5YN/A
SOGN.OL Yearly Profit, Operating, Gross MarginsSOGN.OL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. SOGN.OL Health Analysis

2.1 Basic Checks

  • SOGN does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for SOGN remains at a similar level compared to 1 year ago.
  • SOGN has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, SOGN has an improved debt to assets ratio.
SOGN.OL Yearly Shares OutstandingSOGN.OL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200K 400K 600K
SOGN.OL Yearly Total Debt VS Total AssetsSOGN.OL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

2.2 Solvency

  • SOGN has a debt to FCF ratio of 2.88. This is a good value and a sign of high solvency as SOGN would need 2.88 years to pay back of all of its debts.
  • SOGN's Debt to FCF ratio of 2.88 is amongst the best of the industry. SOGN outperforms 93.64% of its industry peers.
  • A Debt/Equity ratio of 0.38 indicates that SOGN is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.38, SOGN belongs to the top of the industry, outperforming 86.36% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.38
Debt/FCF 2.88
Altman-Z N/A
ROIC/WACCN/A
WACC6.12%
SOGN.OL Yearly LT Debt VS Equity VS FCFSOGN.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 500M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SOGN.OL Yearly Current Assets VS Current LiabilitesSOGN.OL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M

More info and screens

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

4

3. SOGN.OL Growth Analysis

3.1 Past

  • SOGN shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.76%.
  • SOGN shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 25.83% yearly.
  • Looking at the last year, SOGN shows a small growth in Revenue. The Revenue has grown by 3.55% in the last year.
  • SOGN shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.18% yearly.
EPS 1Y (TTM)3.76%
EPS 3Y16.69%
EPS 5Y25.83%
EPS Q2Q%2.33%
Revenue 1Y (TTM)3.55%
Revenue growth 3Y11.22%
Revenue growth 5Y9.18%
Sales Q2Q%0.39%

3.2 Future

  • SOGN is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -6.50% yearly.
  • The Revenue is expected to grow by 3.50% on average over the next years.
EPS Next Y-9.95%
EPS Next 2Y-6.5%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.24%
Revenue Next 2Y3.5%
Revenue Next 3YN/A
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.
SOGN.OL Yearly Revenue VS EstimatesSOGN.OL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M 250M
SOGN.OL Yearly EPS VS EstimatesSOGN.OL Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5 10 15 20

More info and screens

Find the best growth stocksShow best growing peers

3

4. SOGN.OL Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 15.71 indicates a correct valuation of SOGN.
  • SOGN's Price/Earnings ratio is rather expensive when compared to the industry. SOGN is more expensive than 88.18% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.87. SOGN is valued slightly cheaper when compared to this.
  • With a Price/Forward Earnings ratio of 17.44, SOGN is valued on the expensive side.
  • Based on the Price/Forward Earnings ratio, SOGN is valued more expensive than 82.73% of the companies in the same industry.
  • SOGN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 38.51.
Industry RankSector Rank
PE 15.71
Fwd PE 17.44
SOGN.OL Price Earnings VS Forward Price EarningsSOGN.OL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 97.27% of the companies in the same industry are more expensive than SOGN, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 1.29
EV/EBITDA N/A
SOGN.OL Per share dataSOGN.OL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 500 1K 1.5K 2K

4.3 Compensation for Growth

  • A cheap valuation may be justified as SOGN's earnings are expected to decrease with -6.50% in the coming years.
PEG (NY)N/A
PEG (5Y)0.61
EPS Next 2Y-6.5%
EPS Next 3YN/A

More info and screens

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

4

5. SOGN.OL Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 6.18%, SOGN is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 4.56, SOGN pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, SOGN pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.18%

5.2 History

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

5.3 Sustainability

  • SOGN pays out 94.49% of its income as dividend. This is not a sustainable payout ratio.
DP94.49%
EPS Next 2Y-6.5%
EPS Next 3YN/A
SOGN.OL Yearly Income VS Free CF VS DividendSOGN.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 100M -100M 200M
SOGN.OL Dividend Payout.SOGN.OL Dividend Payout, showing the Payout Ratio.SOGN.OL Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

SOGN.OL Fundamentals: All Metrics, Ratios and Statistics

SOGN SPAREBANK

OSL:SOGN (4/17/2026, 7:00:00 PM)

355.15

+0.2 (+0.06%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-12
Earnings (Next)05-12
Inst Owners7.94%
Inst Owner ChangeN/A
Ins Owners13.8%
Ins Owner ChangeN/A
Market Cap223.74M
Revenue(TTM)261.99M
Net Income(TTM)13.39M
Analysts37.78
Price Target189.72 (-46.58%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.18%
Yearly Dividend20
Dividend Growth(5Y)N/A
DP94.49%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.61%
Min EPS beat(2)6.63%
Max EPS beat(2)16.58%
EPS beat(4)3
Avg EPS beat(4)16.21%
Min EPS beat(4)-2.42%
Max EPS beat(4)44.06%
EPS beat(8)6
Avg EPS beat(8)27.52%
EPS beat(12)8
Avg EPS beat(12)19.46%
EPS beat(16)12
Avg EPS beat(16)18.06%
Revenue beat(2)2
Avg Revenue beat(2)11.1%
Min Revenue beat(2)9.93%
Max Revenue beat(2)12.27%
Revenue beat(4)4
Avg Revenue beat(4)13.17%
Min Revenue beat(4)9.93%
Max Revenue beat(4)18.87%
Revenue beat(8)8
Avg Revenue beat(8)12.43%
Revenue beat(12)11
Avg Revenue beat(12)11.69%
Revenue beat(16)14
Avg Revenue beat(16)12.47%
PT rev (1m)0%
PT rev (3m)1.09%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-2.59%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.37%
Valuation
Industry RankSector Rank
PE 15.71
Fwd PE 17.44
P/S 0.85
P/FCF 1.29
P/OCF 1.17
P/B 0.17
P/tB 0.17
EV/EBITDA N/A
EPS(TTM)22.61
EY6.37%
EPS(NY)20.36
Fwd EY5.73%
FCF(TTM)275.55
FCFY77.59%
OCF(TTM)304.42
OCFY85.72%
SpS415.85
BVpS2080.62
TBVpS2080.62
PEG (NY)N/A
PEG (5Y)0.61
Graham Number1028.82 (189.69%)
Profitability
Industry RankSector Rank
ROA 0.16%
ROE 1.02%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 5.11%
GM N/A
FCFM 66.26%
ROA(3y)0.16%
ROA(5y)0.14%
ROE(3y)1.07%
ROE(5y)0.96%
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 3Y1.79%
PM growth 5Y12.92%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.38
Debt/FCF 2.88
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 6.94%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 1296.72%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC6.12%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)4%
Cap/Sales(5y)4.45%
Profit Quality(3y)894.75%
Profit Quality(5y)887.62%
High Growth Momentum
Growth
EPS 1Y (TTM)3.76%
EPS 3Y16.69%
EPS 5Y25.83%
EPS Q2Q%2.33%
EPS Next Y-9.95%
EPS Next 2Y-6.5%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.55%
Revenue growth 3Y11.22%
Revenue growth 5Y9.18%
Sales Q2Q%0.39%
Revenue Next Year3.24%
Revenue Next 2Y3.5%
Revenue Next 3YN/A
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 1Y74.27%
FCF growth 3Y3.33%
FCF growth 5YN/A
OCF growth 1Y83.91%
OCF growth 3Y4.38%
OCF growth 5YN/A

SOGN SPAREBANK / SOGN.OL Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for SOGN SPAREBANK?

ChartMill assigns a fundamental rating of 4 / 10 to SOGN.OL.


Can you provide the valuation status for SOGN SPAREBANK?

ChartMill assigns a valuation rating of 3 / 10 to SOGN SPAREBANK (SOGN.OL). This can be considered as Overvalued.


What is the profitability of SOGN stock?

SOGN SPAREBANK (SOGN.OL) has a profitability rating of 3 / 10.


How financially healthy is SOGN SPAREBANK?

The financial health rating of SOGN SPAREBANK (SOGN.OL) is 4 / 10.


What is the expected EPS growth for SOGN SPAREBANK (SOGN.OL) stock?

The Earnings per Share (EPS) of SOGN SPAREBANK (SOGN.OL) is expected to decline by -9.95% in the next year.