SPAREBANKEN SOR (SOR.OL) Stock Fundamental Analysis

OSL:SOR • NO0006001502

203 NOK
+7.72 (+3.95%)
Last: Apr 30, 2025, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

3

Overall SOR gets a fundamental rating of 3 out of 10. We evaluated SOR against 108 industry peers in the Banks industry. SOR may be in some trouble as it scores bad on both profitability and health. SOR has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • SOR had positive earnings in the past year.
  • SOR had a positive operating cash flow in the past year.
  • In the past 5 years SOR has always been profitable.
  • The reported operating cash flow has been mixed in the past 5 years: SOR reported negative operating cash flow in multiple years.
SOR.OL Yearly Net Income VS EBIT VS OCF VS FCFSOR.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 0 2B -2B

1.2 Ratios

  • With a Return On Assets value of 0.43%, SOR is not doing good in the industry: 73.96% of the companies in the same industry are doing better.
  • With a Return On Equity value of 4.22%, SOR is not doing good in the industry: 73.96% of the companies in the same industry are doing better.
Industry RankSector 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
SOR.OL Yearly ROA, ROE, ROICSOR.OL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 1 2 3 4

1.3 Margins

  • Looking at the Profit Margin, with a value of 18.84%, SOR is doing worse than 61.46% of the companies in the same industry.
  • 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 RankSector 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
SOR.OL Yearly Profit, Operating, Gross MarginsSOR.OL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

2.1 Basic Checks

  • SOR does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • SOR has more shares outstanding than it did 1 year ago.
  • SOR has more shares outstanding than it did 5 years ago.
  • SOR has a worse debt/assets ratio than last year.
SOR.OL Yearly Shares OutstandingSOR.OL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
SOR.OL Yearly Total Debt VS Total AssetsSOR.OL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B

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.
  • The Debt to FCF ratio of SOR (29.51) is better than 77.08% of its industry peers.
  • A Debt/Equity ratio of 4.25 is on the high side and indicates that SOR has dependencies on debt financing.
  • With a Debt to Equity ratio value of 4.25, SOR is not doing good in the industry: 81.25% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 4.25
Debt/FCF 29.51
Altman-Z N/A
ROIC/WACCN/A
WACC8.13%
SOR.OL Yearly LT Debt VS Equity VS FCFSOR.OL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B 40B 60B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SOR.OL Yearly Current Assets VS Current LiabilitesSOR.OL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

More info and screens

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

4

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.
  • The Earnings Per Share has been growing by 8.93% on average over the past years. This is quite good.
  • 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

  • SOR is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -0.27% yearly.
  • The Revenue is expected to grow by 2.60% on average over the next years.
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

  • 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.
SOR.OL Yearly Revenue VS EstimatesSOR.OL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1B 2B 3B 4B
SOR.OL Yearly EPS VS EstimatesSOR.OL Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 5 10 15

More info and screens

Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 11.22, the valuation of SOR can be described as very reasonable.
  • Compared to the rest of the industry, the Price/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.
  • SOR is valuated cheaply when we compare the Price/Earnings ratio to 27.21, which is the current average of the S&P500 Index.
  • SOR is valuated reasonably with a Price/Forward Earnings ratio of 10.89.
  • 68.75% of the companies in the same industry are cheaper than SOR, based on the Price/Forward Earnings ratio.
  • SOR is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.13, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.22
Fwd PE 10.89
SOR.OL Price Earnings VS Forward Price EarningsSOR.OL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 89.58% of the companies in the same industry are more expensive than SOR, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 3.26
EV/EBITDA N/A
SOR.OL Per share dataSOR.OL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 100 200 300 400

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)3.77
PEG (5Y)1.26
EPS Next 2Y-0.27%
EPS Next 3YN/A

More info and screens

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

6

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 6.01%, SOR is a good candidate for dividend investing.
  • SOR's Dividend Yield is a higher than the industry average which is at 4.37.
  • Compared to an average S&P500 Dividend Yield of 1.80, SOR pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.01%

5.2 History

  • The dividend of SOR is nicely growing with an annual growth rate of 18.77%!
Dividend Growth(5Y)18.77%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • 124.47% of the earnings are spent on dividend by SOR. This is not a sustainable payout ratio.
  • SOR's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP124.47%
EPS Next 2Y-0.27%
EPS Next 3YN/A
SOR.OL Yearly Income VS Free CF VS DividendSOR.OL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B -2B
SOR.OL Dividend Payout.SOR.OL Dividend Payout, showing the Payout Ratio.SOR.OL Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

SPAREBANKEN SOR

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)05-09
Earnings (Next)08-12
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 RankSector 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 RankSector 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 RankSector 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 RankSector 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 of SPAREBANKEN SOR (SOR.OL) 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.


Can you provide the expected EPS growth for SOR stock?

The Earnings per Share (EPS) of SPAREBANKEN SOR (SOR.OL) is expected to grow by 2.97% in the next year.


Can you provide the dividend sustainability for SOR stock?

The dividend rating of SPAREBANKEN SOR (SOR.OL) is 6 / 10 and the dividend payout ratio is 124.47%.