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SOGN SPAREBANK (SOGN.OL) Stock Fundamental Analysis

OSL:SOGN - Euronext Oslo - NO0006000603 - Common Stock - Currency: NOK

271  -1 (-0.37%)

Fundamental Rating

4

Overall SOGN gets a fundamental rating of 4 out of 10. We evaluated SOGN against 92 industry peers in the Banks industry. SOGN has a bad profitability rating. Also its financial health evaluation is rather negative. SOGN has a correct valuation and a medium growth rate. SOGN also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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2

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.
In the past 5 years SOGN has always been profitable.
Of the past 5 years SOGN 4 years had a positive operating cash flow.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M 200M

1.2 Ratios

The Return On Assets of SOGN (0.16%) is worse than 89.13% of its industry peers.
SOGN has a Return On Equity of 1.11%. This is amonst the worse of the industry: SOGN underperforms 89.13% of its industry peers.
Industry RankSector 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
SOGN.OL Yearly ROA, ROE, ROICSOGN.OL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0.5 1 1.5 2

1.3 Margins

SOGN's Profit Margin of 5.19% is on the low side compared to the rest of the industry. SOGN is outperformed by 89.13% of its industry peers.
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 RankSector 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
SOGN.OL Yearly Profit, Operating, Gross MarginsSOGN.OL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6

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3

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.
SOGN.OL Yearly Shares OutstandingSOGN.OL Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200K 400K 600K
SOGN.OL Yearly Total Debt VS Total AssetsSOGN.OL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

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.
The Debt to FCF ratio of SOGN (7.04) is better than 88.04% of its industry peers.
A Debt/Equity ratio of 0.60 indicates that SOGN is somewhat dependend on debt financing.
With an excellent Debt to Equity ratio value of 0.60, SOGN belongs to the best of the industry, outperforming 84.78% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.6
Debt/FCF 7.04
Altman-Z N/A
ROIC/WACCN/A
WACC5.62%
SOGN.OL Yearly LT Debt VS Equity VS FCFSOGN.OL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M 800M 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 2015 2019 2020 2021 2022 2023 2024 10M 20M 30M

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5

3. Growth

3.1 Past

SOGN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 25.16%, which is quite impressive.
Measured over the past years, SOGN shows a very strong growth in Earnings Per Share. The EPS has been growing by 30.40% on average per year.
SOGN shows a small growth in Revenue. In the last year, the Revenue has grown by 6.71%.
The Revenue has been growing by 9.33% on average over the past years. This is quite good.
EPS 1Y (TTM)25.16%
EPS 3Y21.3%
EPS 5Y30.4%
EPS Q2Q%26%
Revenue 1Y (TTM)6.71%
Revenue growth 3Y14.81%
Revenue growth 5Y9.33%
Sales Q2Q%10.66%

3.2 Future

The Earnings Per Share is expected to decrease by -6.18% on average over the next years.
SOGN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.38% yearly.
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 2Y3.41%
Revenue Next 3Y3.38%
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.
SOGN.OL Yearly Revenue VS EstimatesSOGN.OL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5 10 15 20

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4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 11.87, which indicates a very decent valuation of SOGN.
Compared to the rest of the industry, the Price/Earnings ratio of SOGN indicates a slightly more expensive valuation: SOGN is more expensive than 76.09% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.20. SOGN is valued rather cheaply when compared to this.
SOGN is valuated correctly with a Price/Forward Earnings ratio of 14.95.
Compared to the rest of the industry, the Price/Forward Earnings ratio of SOGN indicates a slightly more expensive valuation: SOGN is more expensive than 77.17% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.13, SOGN is valued a bit cheaper.
Industry RankSector Rank
PE 11.87
Fwd PE 14.95
SOGN.OL Price Earnings VS Forward Price EarningsSOGN.OL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, SOGN is valued cheaper than 95.65% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.71
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

4.3 Compensation for Growth

SOGN's earnings are expected to decrease with -6.18% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.39
EPS Next 2Y-8.8%
EPS Next 3Y-6.18%

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7

5. Dividend

5.1 Amount

SOGN has a Yearly Dividend Yield of 7.14%, which is a nice return.
Compared to an average industry Dividend Yield of 5.03, SOGN pays a better dividend. On top of this SOGN pays more dividend than 88.04% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.40, SOGN pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.14%

5.2 History

The dividend of SOGN is nicely growing with an annual growth rate of 47.25%!
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.
SOGN's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP72.31%
EPS Next 2Y-8.8%
EPS Next 3Y-6.18%
SOGN.OL Yearly Income VS Free CF VS DividendSOGN.OL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M 200M
SOGN.OL Dividend Payout.SOGN.OL Dividend Payout, showing the Payout Ratio.SOGN.OL Dividend Payout.PayoutRetained Earnings

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SOGN SPAREBANK

OSL:SOGN (5/28/2025, 7:00:00 PM)

271

-1 (-0.37%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)05-14 2025-05-14/dmh
Earnings (Next)08-14 2025-08-14
Inst Owners7.5%
Inst Owner ChangeN/A
Ins Owners20.99%
Ins Owner ChangeN/A
Market Cap170.73M
Analysts37.78
Price Target175.44 (-35.26%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.14%
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%
Revenue NY rev (3m)-0.96%
Valuation
Industry RankSector Rank
PE 11.87
Fwd PE 14.95
P/S 0.67
P/FCF 1.71
P/OCF 1.64
P/B 0.14
P/tB 0.14
EV/EBITDA N/A
EPS(TTM)22.83
EY8.42%
EPS(NY)18.13
Fwd EY6.69%
FCF(TTM)158.11
FCFY58.34%
OCF(TTM)165.53
OCFY61.08%
SpS401.6
BVpS1870.3
TBVpS1870.3
PEG (NY)N/A
PEG (5Y)0.39
Profitability
Industry RankSector 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 RankSector 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)25.16%
EPS 3Y21.3%
EPS 5Y30.4%
EPS Q2Q%26%
EPS Next Y-23.98%
EPS Next 2Y-8.8%
EPS Next 3Y-6.18%
EPS Next 5YN/A
Revenue 1Y (TTM)6.71%
Revenue growth 3Y14.81%
Revenue growth 5Y9.33%
Sales Q2Q%10.66%
Revenue Next Year3.68%
Revenue Next 2Y3.41%
Revenue Next 3Y3.38%
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%