SPAREBANK 1 OESTLANDET(OSL:SPOL) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to SPOL. SPOL was compared to 95 industry peers in the Banks industry. SPOL may be in some trouble as it scores bad on both profitability and health. SPOL is not valued too expensively and it also shows a decent growth rate. Finally SPOL also has an excellent dividend rating.

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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.

The reported operating cash flow has been mixed in the past 5 years: SPOL reported negative operating cash flow in multiple years.

1.2 Ratios

With a decent Return On Assets value of 1.11%, SPOL is doing good in the industry, outperforming 74.74% of the companies in the same industry.

SPOL has a Return On Equity (9.05%) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
ROA	1.11%
ROE	9.05%
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

Looking at the Profit Margin, with a value of 28.03%, SPOL is in the better half of the industry, outperforming 76.84% of the companies in the same industry.

In the last couple of years the Profit Margin of SPOL has remained more or less at the same level.

The Operating Margin and Gross Margin are not available for SPOL so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	28.03%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

SPOL has more shares outstanding than it did 5 years ago.

SPOL has a better debt/assets ratio than last year.

2.2 Solvency

SPOL has a debt to FCF ratio of 7.09. This is a slightly negative value and a sign of low solvency as SPOL would need 7.09 years to pay back of all of its debts.

SPOL's Debt to FCF ratio of 7.09 is amongst the best of the industry. SPOL outperforms 87.37% of its industry peers.

A Debt/Equity ratio of 1.89 is on the high side and indicates that SPOL has dependencies on debt financing.

The Debt to Equity ratio of SPOL (1.89) is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	1.89
Debt/FCF	7.09
Altman-Z	N/A

ROIC/WACCN/A

WACC5.79%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 46.65% over the past year.

Measured over the past 5 years, SPOL shows a small growth in Earnings Per Share. The EPS has been growing by 4.61% on average per year.

Looking at the last year, SPOL shows a very strong growth in Revenue. The Revenue has grown by 46.79%.

Measured over the past years, SPOL shows a quite strong growth in Revenue. The Revenue has been growing by 11.99% on average per year.

EPS 1Y (TTM)46.65%

EPS 3Y16.79%

EPS 5Y4.61%

EPS Q2Q%11.14%

Revenue 1Y (TTM)46.79%

Revenue growth 3Y19.14%

Revenue growth 5Y11.99%

Sales Q2Q%25.7%

3.2 Future

Based on estimates for the next years, SPOL will show a decrease in Earnings Per Share. The EPS will decrease by -2.95% on average per year.

SPOL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.62% yearly.

EPS Next Y-13.61%

EPS Next 2Y-7.46%

EPS Next 3Y-2.95%

EPS Next 5YN/A

Revenue Next Year7.35%

Revenue Next 2Y3.85%

Revenue Next 3Y3.62%

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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 9.26, the valuation of SPOL can be described as very reasonable.

SPOL's Price/Earnings ratio is in line with the industry average.

When comparing the Price/Earnings ratio of SPOL to the average of the S&P500 Index (24.29), we can say SPOL is valued rather cheaply.

A Price/Forward Earnings ratio of 10.71 indicates a reasonable valuation of SPOL.

65.26% of the companies in the same industry are cheaper than SPOL, based on the Price/Forward Earnings ratio.

When comparing the Price/Forward Earnings ratio of SPOL to the average of the S&P500 Index (20.42), we can say SPOL is valued slightly cheaper.

		Industry Rank	Sector Rank
PE	9.26
Fwd PE	10.71

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 89.47% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	3.46
EV/EBITDA	N/A

4.3 Compensation for Growth

SPOL's earnings are expected to decrease with -2.95% in the coming years. This may justify a cheaper valuation.

PEG (NY)N/A

PEG (5Y)2.01

EPS Next 2Y-7.46%

EPS Next 3Y-2.95%

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5. Dividend

5.1 Amount

SPOL has a Yearly Dividend Yield of 5.95%, which is a nice return.

Compared to an average industry Dividend Yield of 5.30, 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 2.43.

		Industry Rank	Sector Rank
Dividend Yield	5.95%

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 54.89% of its income as dividend. This is a bit on the high side, but may be sustainable.

The Dividend Rate of SPOL has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.

DP54.89%

EPS Next 2Y-7.46%

EPS Next 3Y-2.95%

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SPAREBANK 1 OESTLANDET

OSL:SPOL (5/6/2025, 7:00:00 PM)

176.32

+1.62 (+0.93%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-13 2025-02-13/bmo

Earnings (Next)05-08 2025-05-08

Inst Owners10.36%

Inst Owner ChangeN/A

Ins Owners0.19%

Ins Owner ChangeN/A

Market Cap23.95B

Analysts74.55

Price Target164.83 (-6.52%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.95%

Yearly Dividend10.23

Dividend Growth(5Y)11.05%

DP54.89%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)21.46%

Min EPS beat(2)4.36%

Max EPS beat(2)38.57%

EPS beat(4)3

Avg EPS beat(4)14.63%

Min EPS beat(4)-1.11%

Max EPS beat(4)38.57%

EPS beat(8)3

Avg EPS beat(8)0.74%

EPS beat(12)5

Avg EPS beat(12)-0.91%

EPS beat(16)8

Avg EPS beat(16)1.75%

Revenue beat(2)2

Avg Revenue beat(2)14.78%

Min Revenue beat(2)7.18%

Max Revenue beat(2)22.38%

Revenue beat(4)4

Avg Revenue beat(4)11.52%

Min Revenue beat(4)4.52%

Max Revenue beat(4)22.38%

Revenue beat(8)5

Avg Revenue beat(8)5.04%

Revenue beat(12)9

Avg Revenue beat(12)6.66%

Revenue beat(16)13

Avg Revenue beat(16)7.44%

PT rev (1m)1.25%

PT rev (3m)5.48%

EPS NQ rev (1m)-1.47%

EPS NQ rev (3m)N/A

EPS NY rev (1m)0.27%

EPS NY rev (3m)0.48%

Revenue NQ rev (1m)0.06%

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)2.45%

Revenue NY rev (3m)3.8%

Valuation

		Industry Rank	Sector Rank
PE	9.26
Fwd PE	10.71
P/S	2.86
P/FCF	3.46
P/OCF	3.35
P/B	0.92
P/tB	0.98
EV/EBITDA	N/A

EPS(TTM)19.05

EY10.8%

EPS(NY)16.46

Fwd EY9.33%

FCF(TTM)50.93

FCFY28.89%

OCF(TTM)52.64

OCFY29.86%

SpS61.63

BVpS190.78

TBVpS180.24

PEG (NY)N/A

PEG (5Y)2.01

Profitability

		Industry Rank	Sector Rank
ROA	1.11%
ROE	9.05%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	28.03%
GM	N/A
FCFM	82.65%

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

ROICexcg growth 3YN/A

ROICexcg 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	1.89
Debt/FCF	7.09
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	2.77%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	294.89%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACC5.79%

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)46.65%

EPS 3Y16.79%

EPS 5Y4.61%

EPS Q2Q%11.14%

EPS Next Y-13.61%

EPS Next 2Y-7.46%

EPS Next 3Y-2.95%

EPS Next 5YN/A

Revenue 1Y (TTM)46.79%

Revenue growth 3Y19.14%

Revenue growth 5Y11.99%

Sales Q2Q%25.7%

Revenue Next Year7.35%

Revenue Next 2Y3.85%

Revenue Next 3Y3.62%

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 1Y36.54%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y38.36%

OCF growth 3YN/A

OCF growth 5YN/A

SPAREBANK 1 OESTLANDET (SPOL.OL) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens