SPAREBANKEN SOR (SOR.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:SOR - NO0006001502 - Common Stock
203 NOK
+7.72 (+3.95%)
We assign a fundamental rating of 3 out of 10 to SOR. SOR was compared to 106 industry peers in the Banks industry. SOR has a bad profitability rating. Also its financial health evaluation is rather negative. SOR has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year SOR was profitable.
In the past year SOR had a positive cash flow from operations.
Each year in the past 5 years SOR has been profitable.
In multiple years SOR reported negative operating cash flow during the last 5 years.
1.2 Ratios
SOR has a worse Return On Assets (0.43%) than 73.96% of its industry peers.
SOR's Return On Equity of 4.22% is on the low side compared to the rest of the industry. SOR is outperformed by 73.96% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.43% | ||
| ROE | 4.22% | ||
| ROIC | N/A |
ROA(3y)0.39%
ROA(5y)0.29%
ROE(3y)3.82%
ROE(5y)2.8%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of SOR (18.84%) is worse than 61.46% of its industry peers.
In the last couple of years the Profit Margin of SOR has grown nicely.
SOR 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) | 18.84% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y38.64%
PM growth 5Y20.06%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
SOR does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for SOR has been increased compared to 1 year ago.
The number of shares outstanding for SOR has been increased compared to 5 years ago.
Compared to 1 year ago, SOR has a worse debt to assets ratio.
2.2 Solvency
SOR has a debt to FCF ratio of 29.51. This is a negative value and a sign of low solvency as SOR would need 29.51 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 29.51, SOR is in the better half of the industry, outperforming 77.08% of the companies in the same industry.
SOR has a Debt/Equity ratio of 4.25. This is a high value indicating a heavy dependency on external financing.
SOR's Debt to Equity ratio of 4.25 is on the low side compared to the rest of the industry. SOR is outperformed by 81.25% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.25 | ||
| Debt/FCF | 29.51 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.13%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
SOR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.37%, which is quite good.
SOR shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.93% yearly.
Looking at the last year, SOR shows a quite strong growth in Revenue. The Revenue has grown by 9.67% in the last year.
The Revenue has been growing by 10.72% on average over the past years. This is quite good.
EPS 1Y (TTM)10.37%
EPS 3Y13.13%
EPS 5Y8.93%
EPS Q2Q%-2.56%
Revenue 1Y (TTM)9.67%
Revenue growth 3Y15.58%
Revenue growth 5Y10.72%
Sales Q2Q%1.06%
3.2 Future
Based on estimates for the next years, SOR will show a decrease in Earnings Per Share. The EPS will decrease by -0.27% on average per year.
SOR is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.60% yearly.
EPS Next Y2.97%
EPS Next 2Y-0.27%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.29%
Revenue Next 2Y2.6%
Revenue Next 3YN/A
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 11.22, which indicates a very decent valuation of SOR.
68.75% of the companies in the same industry are cheaper than SOR, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.26. SOR is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 10.89, the valuation of SOR can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of SOR indicates a slightly more expensive valuation: SOR is more expensive than 68.75% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of SOR to the average of the S&P500 Index (23.68), we can say SOR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.22 | ||
| Fwd PE | 10.89 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of SOR indicates a rather cheap valuation: SOR is cheaper than 89.58% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.26 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates SOR does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)3.77
PEG (5Y)1.26
EPS Next 2Y-0.27%
EPS Next 3YN/A
5. Dividend
5.1 Amount
SOR has a Yearly Dividend Yield of 6.01%, which is a nice return.
SOR's Dividend Yield is a higher than the industry average which is at 4.33.
Compared to an average S&P500 Dividend Yield of 1.87, SOR pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.01% |
5.2 History
On average, the dividend of SOR grows each year by 18.77%, which is quite nice.
Dividend Growth(5Y)18.77%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
SOR pays out 124.47% of its income as dividend. This is not a sustainable payout ratio.
The Dividend Rate of SOR has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP124.47%
EPS Next 2Y-0.27%
EPS Next 3YN/A
OSL:SOR (4/30/2025, 7:00:00 PM)
203
+7.72 (+3.95%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners18.8%
Inst Owner ChangeN/A
Ins Owners0.33%
Ins Owner ChangeN/A
Market Cap8.47B
Revenue(TTM)4.04B
Net Income(TTM)760.80M
Analysts80
Price Target225.76 (11.21%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.01% |
Yearly Dividend22.75
Dividend Growth(5Y)18.77%
DP124.47%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-5.79%
Min EPS beat(2)-8.68%
Max EPS beat(2)-2.9%
EPS beat(4)1
Avg EPS beat(4)-1.15%
Min EPS beat(4)-8.68%
Max EPS beat(4)8.08%
EPS beat(8)2
Avg EPS beat(8)-2.41%
EPS beat(12)3
Avg EPS beat(12)-2.98%
EPS beat(16)7
Avg EPS beat(16)1.13%
Revenue beat(2)1
Avg Revenue beat(2)-2.4%
Min Revenue beat(2)-5.17%
Max Revenue beat(2)0.38%
Revenue beat(4)2
Avg Revenue beat(4)-0.93%
Min Revenue beat(4)-5.17%
Max Revenue beat(4)1.27%
Revenue beat(8)4
Avg Revenue beat(8)-0.71%
Revenue beat(12)5
Avg Revenue beat(12)-0.01%
Revenue beat(16)9
Avg Revenue beat(16)0.97%
PT rev (1m)0%
PT rev (3m)12.78%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.93%
EPS NY rev (3m)16.98%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)5.52%
Revenue NY rev (3m)6.31%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.22 | ||
| Fwd PE | 10.89 | ||
| P/S | 2.1 | ||
| P/FCF | 3.26 | ||
| P/OCF | 3.2 | ||
| P/B | 0.47 | ||
| P/tB | 0.47 | ||
| EV/EBITDA | N/A |
EPS(TTM)18.1
EY8.92%
EPS(NY)18.64
Fwd EY9.18%
FCF(TTM)62.23
FCFY30.66%
OCF(TTM)63.36
OCFY31.21%
SpS96.83
BVpS432.45
TBVpS429.59
PEG (NY)3.77
PEG (5Y)1.26
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.43% | ||
| ROE | 4.22% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 18.84% | ||
| GM | N/A | ||
| FCFM | 64.26% |
ROA(3y)0.39%
ROA(5y)0.29%
ROE(3y)3.82%
ROE(5y)2.8%
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 3Y38.64%
PM growth 5Y20.06%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.25 | ||
| Debt/FCF | 29.51 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 1.16% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 341.09% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC8.13%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)2.03%
Cap/Sales(5y)2.36%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)10.37%
EPS 3Y13.13%
EPS 5Y8.93%
EPS Q2Q%-2.56%
EPS Next Y2.97%
EPS Next 2Y-0.27%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)9.67%
Revenue growth 3Y15.58%
Revenue growth 5Y10.72%
Sales Q2Q%1.06%
Revenue Next Year4.29%
Revenue Next 2Y2.6%
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 1Y8.81%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y6.23%
OCF growth 3YN/A
OCF growth 5YN/A
SPAREBANKEN SOR / SOR.OL FAQ
What is the ChartMill fundamental rating of SPAREBANKEN SOR (SOR.OL) stock?
ChartMill assigns a fundamental rating of 3 / 10 to SOR.OL.
What is the valuation status for SOR stock?
ChartMill assigns a valuation rating of 4 / 10 to SPAREBANKEN SOR (SOR.OL). This can be considered as Fairly Valued.
How profitable is SPAREBANKEN SOR (SOR.OL) stock?
SPAREBANKEN SOR (SOR.OL) has a profitability rating of 2 / 10.
What are the PE and PB ratios of SPAREBANKEN SOR (SOR.OL) stock?
The Price/Earnings (PE) ratio for SPAREBANKEN SOR (SOR.OL) is 11.22 and the Price/Book (PB) ratio is 0.47.
How financially healthy is SPAREBANKEN SOR?
The financial health rating of SPAREBANKEN SOR (SOR.OL) is 1 / 10.