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

SOR gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 108 industry peers in the Banks industry. SOR has a bad profitability rating. Also its financial health evaluation is rather negative. SOR is not valued too expensively and it also shows a decent 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.
  • SOR had positive earnings in each of the past 5 years.
  • 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.
  • Looking at the Return On Equity, with a value of 4.22%, SOR is doing worse than 73.96% of the companies in the same industry.
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

  • SOR has a Profit Margin of 18.84%. This is in the lower half of the industry: SOR underperforms 61.46% of its industry peers.
  • SOR's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for SOR so they could not be analyzed.
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.
  • Compared to 1 year ago, SOR has more shares outstanding
  • 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

  • The Debt to FCF ratio of SOR is 29.51, which is on the high side as it means it would take SOR, 29.51 years of fcf income to pay off all of its debts.
  • SOR has a better Debt to FCF ratio (29.51) than 77.08% of its industry peers.
  • SOR has a Debt/Equity ratio of 4.25. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of SOR (4.25) is worse than 81.25% of its industry peers.
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

  • The Earnings Per Share has grown by an nice 10.37% over the past year.
  • SOR shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.93% yearly.
  • SOR shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.67%.
  • SOR shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.72% yearly.
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.
  • Based on estimates for the next years, SOR will show a small growth in Revenue. The Revenue will grow by 2.60% on average per year.
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.
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.
  • Based on the Price/Earnings ratio, SOR is valued a bit more expensive than the industry average as 68.75% of the companies are valued more cheaply.
  • SOR's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.99.
  • 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.
  • When comparing the Price/Forward Earnings ratio of SOR to the average of the S&P500 Index (28.02), we can say SOR is valued rather cheaply.
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

  • 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 4.37.
  • SOR's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector 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

  • 124.47% of the earnings are spent on dividend by SOR. 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
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%.