SPAREBANK 1 OESTLANDET (SPOL.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:SPOL - NO0010751910 - Common Stock
188.2 NOK
+1.24 (+0.66%)
Overall SPOL gets a fundamental rating of 4 out of 10. We evaluated SPOL against 113 industry peers in the Banks industry. Both the profitability and financial health of SPOL have multiple concerns. SPOL has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
SPOL had positive earnings in the past year.
SPOL had a positive operating cash flow in the past year.
In the past 5 years SPOL has always been profitable.
In multiple years SPOL reported negative operating cash flow during the last 5 years.
1.2 Ratios
SPOL's Return On Assets of 1.16% is fine compared to the rest of the industry. SPOL outperforms 78.76% of its industry peers.
SPOL's Return On Equity of 9.81% is in line compared to the rest of the industry. SPOL outperforms 46.90% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.16% | ||
| ROE | 9.81% | ||
| ROIC | N/A |
ROA(3y)0.91%
ROA(5y)0.88%
ROE(3y)7.72%
ROE(5y)7.43%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of SPOL (28.07%) is better than 73.45% of its industry peers.
In the last couple of years the Profit Margin of SPOL has remained more or less at the same level.
SPOL 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) | 28.07% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.06%
PM growth 5Y-0.09%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
SPOL does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for SPOL has been increased compared to 1 year ago.
Compared to 5 years ago, SPOL has more shares outstanding
Compared to 1 year ago, SPOL has an improved debt to assets ratio.
2.2 Solvency
SPOL has a debt to FCF ratio of 2.86. This is a good value and a sign of high solvency as SPOL would need 2.86 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 2.86, SPOL belongs to the top of the industry, outperforming 94.69% of the companies in the same industry.
A Debt/Equity ratio of 1.81 is on the high side and indicates that SPOL has dependencies on debt financing.
The Debt to Equity ratio of SPOL (1.81) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.81 | ||
| Debt/FCF | 2.86 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.06%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
SPOL shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -7.28%.
The Earnings Per Share has been growing slightly by 4.61% on average over the past years.
The Revenue has grown by 42.78% in the past year. This is a very strong growth!
SPOL shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.99% yearly.
EPS 1Y (TTM)-7.28%
EPS 3Y16.79%
EPS 5Y4.61%
EPS Q2Q%-28.21%
Revenue 1Y (TTM)42.78%
Revenue growth 3Y19.14%
Revenue growth 5Y11.99%
Sales Q2Q%-1.61%
3.2 Future
SPOL is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -4.07% yearly.
SPOL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.08% yearly.
EPS Next Y-7.96%
EPS Next 2Y-8.48%
EPS Next 3Y-4.07%
EPS Next 5YN/A
Revenue Next Year11.08%
Revenue Next 2Y4.18%
Revenue Next 3Y4.08%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 10.87, which indicates a very decent valuation of SPOL.
SPOL's Price/Earnings ratio is in line with the industry average.
SPOL is valuated cheaply when we compare the Price/Earnings ratio to 26.28, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 11.80, which indicates a very decent valuation of SPOL.
SPOL's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. SPOL is more expensive than 68.14% of the companies in the same industry.
SPOL is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.52, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.87 | ||
| Fwd PE | 11.8 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, SPOL is valued cheaply inside the industry as 98.23% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.56 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
SPOL's earnings are expected to decrease with -4.07% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)2.36
EPS Next 2Y-8.48%
EPS Next 3Y-4.07%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.50%, SPOL is a good candidate for dividend investing.
SPOL's Dividend Yield is a higher than the industry average which is at 4.84.
SPOL's Dividend Yield is rather good when compared to the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.5% |
5.2 History
The dividend of SPOL is nicely growing with an annual growth rate of 11.05%!
Dividend Growth(5Y)11.05%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
SPOL pays out 75.02% of its income as dividend. This is not a sustainable payout ratio.
The Dividend Rate of SPOL has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP75.02%
EPS Next 2Y-8.48%
EPS Next 3Y-4.07%
OSL:SPOL (12/9/2025, 7:00:00 PM)
188.2
+1.24 (+0.66%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners11.58%
Inst Owner ChangeN/A
Ins Owners0.1%
Ins Owner ChangeN/A
Market Cap25.57B
Revenue(TTM)7.81B
Net Income(TTM)2.53B
Analysts46.67
Price Target187.68 (-0.28%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.5% |
Yearly Dividend10.23
Dividend Growth(5Y)11.05%
DP75.02%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)10.79%
Min EPS beat(2)6.43%
Max EPS beat(2)15.15%
EPS beat(4)4
Avg EPS beat(4)16.13%
Min EPS beat(4)4.36%
Max EPS beat(4)38.57%
EPS beat(8)5
Avg EPS beat(8)5.17%
EPS beat(12)6
Avg EPS beat(12)1.14%
EPS beat(16)8
Avg EPS beat(16)1.36%
Revenue beat(2)2
Avg Revenue beat(2)3.55%
Min Revenue beat(2)0.35%
Max Revenue beat(2)6.76%
Revenue beat(4)4
Avg Revenue beat(4)9.17%
Min Revenue beat(4)0.35%
Max Revenue beat(4)22.38%
Revenue beat(8)6
Avg Revenue beat(8)5.29%
Revenue beat(12)9
Avg Revenue beat(12)4.88%
Revenue beat(16)13
Avg Revenue beat(16)6.49%
PT rev (1m)3.56%
PT rev (3m)8.02%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.82%
EPS NY rev (1m)1.4%
EPS NY rev (3m)5.85%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.01%
Revenue NY rev (1m)2.08%
Revenue NY rev (3m)3.62%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.87 | ||
| Fwd PE | 11.8 | ||
| P/S | 2.83 | ||
| P/FCF | 1.56 | ||
| P/OCF | 1.53 | ||
| P/B | 0.99 | ||
| P/tB | 1.05 | ||
| EV/EBITDA | N/A |
EPS(TTM)17.32
EY9.2%
EPS(NY)15.96
Fwd EY8.48%
FCF(TTM)120.69
FCFY64.13%
OCF(TTM)123.11
OCFY65.42%
SpS66.38
BVpS190.02
TBVpS179.6
PEG (NY)N/A
PEG (5Y)2.36
Graham Number272.12
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.16% | ||
| ROE | 9.81% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 28.07% | ||
| GM | N/A | ||
| FCFM | 181.81% |
ROA(3y)0.91%
ROA(5y)0.88%
ROE(3y)7.72%
ROE(5y)7.43%
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 3Y-0.06%
PM growth 5Y-0.09%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.81 | ||
| Debt/FCF | 2.86 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 3.65% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 647.77% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC6.06%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-7.28%
EPS 3Y16.79%
EPS 5Y4.61%
EPS Q2Q%-28.21%
EPS Next Y-7.96%
EPS Next 2Y-8.48%
EPS Next 3Y-4.07%
EPS Next 5YN/A
Revenue 1Y (TTM)42.78%
Revenue growth 3Y19.14%
Revenue growth 5Y11.99%
Sales Q2Q%-1.61%
Revenue Next Year11.08%
Revenue Next 2Y4.18%
Revenue Next 3Y4.08%
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 1Y196.51%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y202.02%
OCF growth 3YN/A
OCF growth 5YN/A
SPAREBANK 1 OESTLANDET / SPOL.OL FAQ
What is the ChartMill fundamental rating of SPAREBANK 1 OESTLANDET (SPOL.OL) stock?
ChartMill assigns a fundamental rating of 4 / 10 to SPOL.OL.
Can you provide the valuation status for SPAREBANK 1 OESTLANDET?
ChartMill assigns a valuation rating of 4 / 10 to SPAREBANK 1 OESTLANDET (SPOL.OL). This can be considered as Fairly Valued.
Can you provide the profitability details for SPAREBANK 1 OESTLANDET?
SPAREBANK 1 OESTLANDET (SPOL.OL) has a profitability rating of 3 / 10.
What is the valuation of SPAREBANK 1 OESTLANDET based on its PE and PB ratios?
The Price/Earnings (PE) ratio for SPAREBANK 1 OESTLANDET (SPOL.OL) is 10.87 and the Price/Book (PB) ratio is 0.99.
Can you provide the expected EPS growth for SPOL stock?
The Earnings per Share (EPS) of SPAREBANK 1 OESTLANDET (SPOL.OL) is expected to decline by -7.96% in the next year.