SPAREBANK 1 OESTLANDET (SPOL.OL) Fundamental Analysis & Valuation

OSL:SPOL • NO0010751910

Current stock price

202.1 NOK
-1.4 (-0.69%)
Last:

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

3

1. SPOL.OL Profitability Analysis

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.
SPOL.OL Yearly Net Income VS EBIT VS OCF VS FCFSPOL.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 2025 0 2B -2B 4B -4B 6B

1.2 Ratios

  • SPOL has a better Return On Assets (1.15%) than 73.27% of its industry peers.
  • The Return On Equity of SPOL (8.98%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 1.15%
ROE 8.98%
ROIC N/A
ROA(3y)1.04%
ROA(5y)0.96%
ROE(3y)8.46%
ROE(5y)7.92%
ROIC(3y)N/A
ROIC(5y)N/A
SPOL.OL Yearly ROA, ROE, ROICSPOL.OL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8

1.3 Margins

  • SPOL has a better Profit Margin (30.36%) than 76.24% of its industry peers.
  • SPOL's Profit Margin has improved in the last couple of years.
  • SPOL 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) 30.36%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y4.82%
PM growth 5Y4.41%
GM growth 3YN/A
GM growth 5YN/A
SPOL.OL Yearly Profit, Operating, Gross MarginsSPOL.OL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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2

2. SPOL.OL Health Analysis

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 remains at a similar level compared to 1 year ago.
  • Compared to 5 years ago, SPOL has more shares outstanding
  • SPOL has a better debt/assets ratio than last year.
SPOL.OL Yearly Shares OutstandingSPOL.OL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
SPOL.OL Yearly Total Debt VS Total AssetsSPOL.OL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50B 100B 150B 200B

2.2 Solvency

  • The Debt to FCF ratio of SPOL is 6.96, which is on the high side as it means it would take SPOL, 6.96 years of fcf income to pay off all of its debts.
  • SPOL has a Debt to FCF ratio of 6.96. This is amongst the best in the industry. SPOL outperforms 84.16% of its industry peers.
  • A Debt/Equity ratio of 1.65 is on the high side and indicates that SPOL has dependencies on debt financing.
  • SPOL has a Debt to Equity ratio (1.65) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 1.65
Debt/FCF 6.96
Altman-Z N/A
ROIC/WACCN/A
WACC6.28%
SPOL.OL Yearly LT Debt VS Equity VS FCFSPOL.OL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10B 20B 30B 40B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SPOL.OL Yearly Current Assets VS Current LiabilitesSPOL.OL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

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

3

3. SPOL.OL Growth Analysis

3.1 Past

  • The earnings per share for SPOL have decreased by -4.46% in the last year.
  • SPOL shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 13.72% yearly.
  • The Revenue has decreased by -2.69% in the past year.
  • Measured over the past years, SPOL shows a quite strong growth in Revenue. The Revenue has been growing by 12.43% on average per year.
EPS 1Y (TTM)-4.46%
EPS 3Y16.98%
EPS 5Y13.72%
EPS Q2Q%23.85%
Revenue 1Y (TTM)-2.69%
Revenue growth 3Y17.73%
Revenue growth 5Y12.43%
Sales Q2Q%16.64%

3.2 Future

  • SPOL is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -1.31% yearly.
  • Based on estimates for the next years, SPOL will show a small growth in Revenue. The Revenue will grow by 2.15% on average per year.
EPS Next Y-8.65%
EPS Next 2Y-2.97%
EPS Next 3Y-1.31%
EPS Next 5YN/A
Revenue Next Year0.35%
Revenue Next 2Y1.66%
Revenue Next 3Y2.15%
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.
SPOL.OL Yearly Revenue VS EstimatesSPOL.OL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2B 4B 6B
SPOL.OL Yearly EPS VS EstimatesSPOL.OL Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5 10 15

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4

4. SPOL.OL Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 11.10, the valuation of SPOL can be described as reasonable.
  • The rest of the industry has a similar Price/Earnings ratio as SPOL.
  • Compared to an average S&P500 Price/Earnings ratio of 27.42, SPOL is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 12.16, the valuation of SPOL can be described as correct.
  • Based on the Price/Forward Earnings ratio, SPOL is valued a bit more expensive than the industry average as 66.34% of the companies are valued more cheaply.
  • When comparing the Price/Forward Earnings ratio of SPOL to the average of the S&P500 Index (22.29), we can say SPOL is valued slightly cheaper.
Industry RankSector Rank
PE 11.1
Fwd PE 12.16
SPOL.OL Price Earnings VS Forward Price EarningsSPOL.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 SPOL indicates a rather cheap valuation: SPOL is cheaper than 82.18% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 4.21
EV/EBITDA N/A
SPOL.OL Per share dataSPOL.OL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150 200

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.81
EPS Next 2Y-2.97%
EPS Next 3Y-1.31%

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

6

5. SPOL.OL Dividend Analysis

5.1 Amount

  • SPOL has a Yearly Dividend Yield of 6.30%, which is a nice return.
  • Compared to an average industry Dividend Yield of 4.48, SPOL pays a bit more dividend than its industry peers.
  • SPOL's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 6.3%

5.2 History

  • On average, the dividend of SPOL grows each year by 16.92%, which is quite nice.
Dividend Growth(5Y)16.92%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • 76.78% of the earnings are spent on dividend by SPOL. This is not a sustainable payout ratio.
  • SPOL's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP76.78%
EPS Next 2Y-2.97%
EPS Next 3Y-1.31%
SPOL.OL Yearly Income VS Free CF VS DividendSPOL.OL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B -2B 4B -4B 6B
SPOL.OL Dividend Payout.SPOL.OL Dividend Payout, showing the Payout Ratio.SPOL.OL Dividend Payout.PayoutRetained Earnings

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SPOL.OL Fundamentals: All Metrics, Ratios and Statistics

SPAREBANK 1 OESTLANDET

OSL:SPOL (4/27/2026, 3:23:24 PM)

202.1

-1.4 (-0.69%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-13
Earnings (Next)05-08
Inst Owners11.31%
Inst Owner ChangeN/A
Ins Owners0.1%
Ins Owner ChangeN/A
Market Cap27.46B
Revenue(TTM)8.15B
Net Income(TTM)2.47B
Analysts46.67
Price Target200.94 (-0.57%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.3%
Yearly Dividend13.98
Dividend Growth(5Y)16.92%
DP76.78%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)8.72%
Min EPS beat(2)6.35%
Max EPS beat(2)11.08%
EPS beat(4)4
Avg EPS beat(4)9.75%
Min EPS beat(4)6.35%
Max EPS beat(4)15.15%
EPS beat(8)7
Avg EPS beat(8)12.19%
EPS beat(12)7
Avg EPS beat(12)3.75%
EPS beat(16)9
Avg EPS beat(16)1.76%
Revenue beat(2)2
Avg Revenue beat(2)7.62%
Min Revenue beat(2)7.03%
Max Revenue beat(2)8.2%
Revenue beat(4)4
Avg Revenue beat(4)5.59%
Min Revenue beat(4)0.35%
Max Revenue beat(4)8.2%
Revenue beat(8)8
Avg Revenue beat(8)8.55%
Revenue beat(12)9
Avg Revenue beat(12)5.22%
Revenue beat(16)13
Avg Revenue beat(16)6.39%
PT rev (1m)2.25%
PT rev (3m)5.16%
EPS NQ rev (1m)1.62%
EPS NQ rev (3m)36.49%
EPS NY rev (1m)-1.03%
EPS NY rev (3m)-1.96%
Revenue NQ rev (1m)-0.17%
Revenue NQ rev (3m)4.12%
Revenue NY rev (1m)1.48%
Revenue NY rev (3m)0.11%
Valuation
Industry RankSector Rank
PE 11.1
Fwd PE 12.16
P/S 3.37
P/FCF 4.21
P/OCF 4.14
P/B 1
P/tB 1.05
EV/EBITDA N/A
EPS(TTM)18.2
EY9.01%
EPS(NY)16.63
Fwd EY8.23%
FCF(TTM)48.01
FCFY23.76%
OCF(TTM)48.81
OCFY24.15%
SpS59.97
BVpS202.73
TBVpS192.44
PEG (NY)N/A
PEG (5Y)0.81
Graham Number288.129 (42.57%)
Profitability
Industry RankSector Rank
ROA 1.15%
ROE 8.98%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 30.36%
GM N/A
FCFM 80.06%
ROA(3y)1.04%
ROA(5y)0.96%
ROE(3y)8.46%
ROE(5y)7.92%
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 3Y4.82%
PM growth 5Y4.41%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 1.65
Debt/FCF 6.96
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 1.33%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 263.72%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC6.28%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)2.06%
Cap/Sales(5y)N/A
Profit Quality(3y)298.74%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-4.46%
EPS 3Y16.98%
EPS 5Y13.72%
EPS Q2Q%23.85%
EPS Next Y-8.65%
EPS Next 2Y-2.97%
EPS Next 3Y-1.31%
EPS Next 5YN/A
Revenue 1Y (TTM)-2.69%
Revenue growth 3Y17.73%
Revenue growth 5Y12.43%
Sales Q2Q%16.64%
Revenue Next Year0.35%
Revenue Next 2Y1.66%
Revenue Next 3Y2.15%
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 1Y-5.74%
FCF growth 3YN/A
FCF growth 5Y65.59%
OCF growth 1Y-7.28%
OCF growth 3YN/A
OCF growth 5Y62.57%

SPAREBANK 1 OESTLANDET / SPOL.OL Fundamental Analysis FAQ

What is the ChartMill fundamental rating of SPAREBANK 1 OESTLANDET (SPOL.OL) stock?

ChartMill assigns a fundamental rating of 3 / 10 to SPOL.OL.


What is the valuation status of SPAREBANK 1 OESTLANDET (SPOL.OL) stock?

ChartMill assigns a valuation rating of 4 / 10 to SPAREBANK 1 OESTLANDET (SPOL.OL). This can be considered as Fairly Valued.


What is the profitability of SPOL stock?

SPAREBANK 1 OESTLANDET (SPOL.OL) has a profitability rating of 3 / 10.


What are the PE and PB ratios of SPAREBANK 1 OESTLANDET (SPOL.OL) stock?

The Price/Earnings (PE) ratio for SPAREBANK 1 OESTLANDET (SPOL.OL) is 11.1 and the Price/Book (PB) ratio is 1.


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 -8.65% in the next year.