SPAREBANK 1 OESTLANDET (SPOL.OL) Stock Fundamental Analysis
Europe - OSL:SPOL - NO0010751910 - Common Stock
175.8 NOK
-0.56 (-0.32%)
SPOL gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 96 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
In the past year SPOL was profitable.
In the past year SPOL had a positive cash flow from operations.
Each year in the past 5 years SPOL has been profitable.
In multiple years SPOL reported negative operating cash flow during the last 5 years.
1.2 Ratios
With a decent Return On Assets value of 1.16%, SPOL is doing good in the industry, outperforming 78.13% of the companies in the same industry.
With a Return On Equity value of 9.81%, SPOL perfoms like the industry average, outperforming 48.96% of the companies in the same industry.
| 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 71.88% 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.
SPOL has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, SPOL has more shares outstanding
The debt/assets ratio for SPOL has been reduced compared to a year ago.
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.
The Debt to FCF ratio of SPOL (2.86) is better than 94.79% of its industry peers.
SPOL has a Debt/Equity ratio of 1.81. This is a high value indicating a heavy dependency on external financing.
SPOL has a Debt to Equity ratio of 1.81. This is comparable to the rest of the industry: SPOL outperforms 57.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.81 | ||
| Debt/FCF | 2.86 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.83%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for SPOL have decreased by -7.28% in the last 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.
The Revenue has grown by 42.78% in the past year. This is a very strong growth!
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)-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 -4.20% yearly.
Based on estimates for the next years, SPOL will show a small growth in Revenue. The Revenue will grow by 3.84% on average per year.
EPS Next Y-9.23%
EPS Next 2Y-8.64%
EPS Next 3Y-4.2%
EPS Next 5YN/A
Revenue Next Year8.82%
Revenue Next 2Y3.76%
Revenue Next 3Y3.84%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 10.15, which indicates a very decent valuation of SPOL.
SPOL's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 26.34. SPOL is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 11.06, which indicates a very decent valuation of SPOL.
Compared to the rest of the industry, the Price/Forward Earnings ratio of SPOL indicates a slightly more expensive valuation: SPOL is more expensive than 61.46% of the companies listed in the same industry.
SPOL is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.43, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.15 | ||
| Fwd PE | 11.06 |
4.2 Price Multiples
96.88% of the companies in the same industry are more expensive than SPOL, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.46 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
SPOL's earnings are expected to decrease with -4.20% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)2.2
EPS Next 2Y-8.64%
EPS Next 3Y-4.2%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.85%, SPOL is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.84, 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 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.85% |
5.2 History
On average, the dividend of SPOL grows each year by 11.05%, which is quite nice.
Dividend Growth(5Y)11.05%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
75.02% of the earnings are spent on dividend by SPOL. 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-8.64%
EPS Next 3Y-4.2%
OSL:SPOL (11/12/2025, 4:19:58 PM)
175.8
-0.56 (-0.32%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners11.55%
Inst Owner ChangeN/A
Ins Owners0.19%
Ins Owner ChangeN/A
Market Cap23.88B
Revenue(TTM)7.81B
Net Income(TTM)2.53B
Analysts45.45
Price Target181.22 (3.08%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.85% |
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)0%
PT rev (3m)1.38%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-4.62%
EPS NY rev (1m)3.06%
EPS NY rev (3m)5.07%
Revenue NQ rev (1m)0.33%
Revenue NQ rev (3m)0.56%
Revenue NY rev (1m)0.26%
Revenue NY rev (3m)1.14%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.15 | ||
| Fwd PE | 11.06 | ||
| P/S | 2.65 | ||
| P/FCF | 1.46 | ||
| P/OCF | 1.43 | ||
| P/B | 0.93 | ||
| P/tB | 0.98 | ||
| EV/EBITDA | N/A |
EPS(TTM)17.32
EY9.85%
EPS(NY)15.9
Fwd EY9.05%
FCF(TTM)120.69
FCFY68.65%
OCF(TTM)123.11
OCFY70.03%
SpS66.38
BVpS190.02
TBVpS179.6
PEG (NY)N/A
PEG (5Y)2.2
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
WACC5.83%
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-9.23%
EPS Next 2Y-8.64%
EPS Next 3Y-4.2%
EPS Next 5YN/A
Revenue 1Y (TTM)42.78%
Revenue growth 3Y19.14%
Revenue growth 5Y11.99%
Sales Q2Q%-1.61%
Revenue Next Year8.82%
Revenue Next 2Y3.76%
Revenue Next 3Y3.84%
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 5 / 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 10.15 and the Price/Book (PB) ratio is 0.93.
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 -9.23% in the next year.