SPAREBANKEN SOR (SOR.OL) Fundamental Analysis & Valuation

OSL:SOR • NO0006001502

Current stock price

203 NOK
+7.72 (+3.95%)
Last:

This SOR.OL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. SOR.OL Profitability Analysis

1.1 Basic Checks

  • In the past year SOR was profitable.
  • In the past year SOR had a positive cash flow from operations.
  • 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

  • Looking at the Return On Assets, with a value of 0.43%, SOR is doing worse than 73.96% of the companies in the same industry.
  • The Return On Equity of SOR (4.22%) is worse than 73.96% of its industry peers.
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.
  • 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

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1

2. SOR.OL Health Analysis

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.
  • Compared to 1 year ago, SOR has a worse debt to assets ratio.
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.
  • SOR has a Debt to FCF ratio of 29.51. This is in the better half of the industry: SOR outperforms 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.
  • SOR has a Debt to Equity ratio of 4.25. This is amonst the worse of the industry: SOR underperforms 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

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

4

3. SOR.OL Growth Analysis

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.
  • 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

  • The Earnings Per Share is expected to decrease by -0.27% on average over the next years.
  • 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

  • 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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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

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4

4. SOR.OL Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 11.22, the valuation of SOR can be described as 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.
  • Compared to an average S&P500 Price/Earnings ratio of 25.54, SOR is valued rather cheaply.
  • The Price/Forward Earnings ratio is 10.89, which indicates a very decent valuation of SOR.
  • Based on the Price/Forward Earnings ratio, SOR is valued a bit more expensive than the industry average as 68.75% of the companies are valued more cheaply.
  • SOR is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.70, 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

  • 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 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 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

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

6

5. SOR.OL Dividend Analysis

5.1 Amount

  • SOR has a Yearly Dividend Yield of 6.01%, which is a nice return.
  • Compared to an average industry Dividend Yield of 4.75, SOR pays a bit more dividend than its industry peers.
  • SOR's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
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

  • 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
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

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SOR.OL Fundamentals: All Metrics, Ratios and Statistics

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 Fundamental Analysis 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%.