SOGN SPAREBANK (SOGN.OL) Stock Fundamental Analysis
OSL:SOGN - Euronext Oslo - NO0006000603 - Common Stock - Currency: NOK
SOGN gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 95 industry peers in the Banks industry. SOGN has a bad profitability rating. Also its financial health evaluation is rather negative. SOGN has a decent growth rate and is not valued too expensively. Finally SOGN also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
SOGN had positive earnings in the past year.
SOGN had a positive operating cash flow in the past year.
SOGN had positive earnings in each of the past 5 years.
SOGN had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
SOGN has a Return On Assets of 0.16%. This is amonst the worse of the industry: SOGN underperforms 88.42% of its industry peers.
With a Return On Equity value of 1.11%, SOGN is not doing good in the industry: 88.42% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.16% | ||
| ROE | 1.11% | ||
| ROIC | N/A |
ROA(3y)0.15%
ROA(5y)0.12%
ROE(3y)1.02%
ROE(5y)0.86%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a Profit Margin value of 5.19%, SOGN is not doing good in the industry: 88.42% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of SOGN has grown nicely.
The Operating Margin and Gross Margin are not available for SOGN so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 5.19% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y5.94%
PM growth 5Y15.43%
GM growth 3YN/A
GM growth 5YN/A
2. Health
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.
The number of shares outstanding for SOGN has been increased compared to 5 years ago.
SOGN has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of SOGN is 7.04, which is on the high side as it means it would take SOGN, 7.04 years of fcf income to pay off all of its debts.
SOGN's Debt to FCF ratio of 7.04 is amongst the best of the industry. SOGN outperforms 88.42% of its industry peers.
SOGN has a Debt/Equity ratio of 0.60. This is a neutral value indicating SOGN is somewhat dependend on debt financing.
The Debt to Equity ratio of SOGN (0.60) is better than 85.26% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.6 | ||
| Debt/FCF | 7.04 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.62%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 19.53% over the past year.
SOGN shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 30.40% yearly.
SOGN shows a small growth in Revenue. In the last year, the Revenue has grown by 6.40%.
The Revenue has been growing by 9.33% on average over the past years. This is quite good.
EPS 1Y (TTM)19.53%
EPS 3Y21.3%
EPS 5Y30.4%
EPS Q2Q%8.24%
Revenue 1Y (TTM)6.4%
Revenue growth 3Y14.81%
Revenue growth 5Y9.33%
Sales Q2Q%5.95%
3.2 Future
The Earnings Per Share is expected to decrease by -6.18% on average over the next years.
Based on estimates for the next years, SOGN will show a small growth in Revenue. The Revenue will grow by 3.82% on average per year.
EPS Next Y-23.98%
EPS Next 2Y-8.8%
EPS Next 3Y-6.18%
EPS Next 5YN/A
Revenue Next Year3.68%
Revenue Next 2Y3.68%
Revenue Next 3Y3.82%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 11.93, the valuation of SOGN can be described as reasonable.
Based on the Price/Earnings ratio, SOGN is valued more expensive than 80.00% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 24.29. SOGN is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 15.69, SOGN is valued correctly.
77.89% of the companies in the same industry are cheaper than SOGN, based on the Price/Forward Earnings ratio.
SOGN's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 20.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.93 | ||
| Fwd PE | 15.69 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, SOGN is valued cheaply inside the industry as 95.79% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.64 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as SOGN's earnings are expected to decrease with -6.18% in the coming years.
PEG (NY)N/A
PEG (5Y)0.39
EPS Next 2Y-8.8%
EPS Next 3Y-6.18%
5. Dividend
5.1 Amount
SOGN has a Yearly Dividend Yield of 7.91%, which is a nice return.
Compared to an average industry Dividend Yield of 5.30, SOGN pays a better dividend. On top of this SOGN pays more dividend than 92.63% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.43, SOGN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.91% |
5.2 History
On average, the dividend of SOGN grows each year by 47.25%, which is quite nice.
Dividend Growth(5Y)47.25%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
72.31% of the earnings are spent on dividend by SOGN. This is not a sustainable payout ratio.
The Dividend Rate of SOGN has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP72.31%
EPS Next 2Y-8.8%
EPS Next 3Y-6.18%
OSL:SOGN (5/6/2025, 7:00:00 PM)
259.9
+0.95 (+0.37%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners7.5%
Inst Owner ChangeN/A
Ins Owners20.99%
Ins Owner ChangeN/A
Market Cap163.74M
Analysts37.78
Price Target175.44 (-32.5%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.91% |
Yearly Dividend15
Dividend Growth(5Y)47.25%
DP72.31%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)39.78%
Min EPS beat(2)-3.79%
Max EPS beat(2)83.36%
EPS beat(4)3
Avg EPS beat(4)38.82%
Min EPS beat(4)-3.79%
Max EPS beat(4)83.36%
EPS beat(8)5
Avg EPS beat(8)21.08%
EPS beat(12)9
Avg EPS beat(12)18.68%
EPS beat(16)11
Avg EPS beat(16)17.82%
Revenue beat(2)2
Avg Revenue beat(2)12.29%
Min Revenue beat(2)8.9%
Max Revenue beat(2)15.68%
Revenue beat(4)4
Avg Revenue beat(4)11.69%
Min Revenue beat(4)2%
Max Revenue beat(4)20.18%
Revenue beat(8)7
Avg Revenue beat(8)10.95%
Revenue beat(12)10
Avg Revenue beat(12)12.24%
Revenue beat(16)14
Avg Revenue beat(16)11.53%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)11%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-19.08%
Revenue NQ rev (1m)-0.19%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.96%
Revenue NY rev (3m)2.92%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.93 | ||
| Fwd PE | 15.69 | ||
| P/S | 0.65 | ||
| P/FCF | 1.64 | ||
| P/OCF | 1.57 | ||
| P/B | 0.14 | ||
| P/tB | 0.14 | ||
| EV/EBITDA | N/A |
EPS(TTM)21.79
EY8.38%
EPS(NY)16.56
Fwd EY6.37%
FCF(TTM)158.11
FCFY60.84%
OCF(TTM)165.53
OCFY63.69%
SpS401.6
BVpS1870.3
TBVpS1870.3
PEG (NY)N/A
PEG (5Y)0.39
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.16% | ||
| ROE | 1.11% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 5.19% | ||
| GM | N/A | ||
| FCFM | 39.37% |
ROA(3y)0.15%
ROA(5y)0.12%
ROE(3y)1.02%
ROE(5y)0.86%
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 3Y5.94%
PM growth 5Y15.43%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.6 | ||
| Debt/FCF | 7.04 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 1.85% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 759.22% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC5.62%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)3.66%
Cap/Sales(5y)3.2%
Profit Quality(3y)1030.99%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)19.53%
EPS 3Y21.3%
EPS 5Y30.4%
EPS Q2Q%8.24%
EPS Next Y-23.98%
EPS Next 2Y-8.8%
EPS Next 3Y-6.18%
EPS Next 5YN/A
Revenue 1Y (TTM)6.4%
Revenue growth 3Y14.81%
Revenue growth 5Y9.33%
Sales Q2Q%5.95%
Revenue Next Year3.68%
Revenue Next 2Y3.68%
Revenue Next 3Y3.82%
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 1Y35.4%
FCF growth 3Y204.33%
FCF growth 5Y14.64%
OCF growth 1Y28.44%
OCF growth 3Y113.38%
OCF growth 5Y15.24%