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

OSL:SPOL • NO0010751910

Current stock price

203.4 NOK
+1.7 (+0.84%)
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.
  • In the past year SPOL had a positive cash flow from operations.
  • SPOL had positive earnings in each of the past 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: SPOL reported negative operating cash flow in multiple 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

  • The Return On Assets of SPOL (1.15%) is better than 77.27% of its industry peers.
  • SPOL has a Return On Equity of 8.98%. This is comparable to the rest of the industry: SPOL outperforms 45.45% of its industry peers.
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 Profit Margin of 30.36%. This is in the better half of the industry: SPOL outperforms 78.18% of its industry peers.
  • In the last couple of years the Profit Margin of SPOL has grown nicely.
  • The Operating Margin and Gross Margin are not available for SPOL so they could not be analyzed.
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.
  • Compared to 1 year ago, SPOL has about the same amount of shares outstanding.
  • Compared to 5 years ago, SPOL has more shares outstanding
  • Compared to 1 year ago, SPOL has an improved debt to assets ratio.
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

  • SPOL has a debt to FCF ratio of 6.96. This is a slightly negative value and a sign of low solvency as SPOL would need 6.96 years to pay back of all of its debts.
  • SPOL has a better Debt to FCF ratio (6.96) than 83.64% of its industry peers.
  • SPOL has a Debt/Equity ratio of 1.65. This is a high value indicating a heavy dependency on external financing.
  • SPOL has a Debt to Equity ratio (1.65) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 1.65
Debt/FCF 6.96
Altman-Z N/A
ROIC/WACCN/A
WACC6.22%
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

  • SPOL shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -4.46%.
  • The Earnings Per Share has been growing by 13.72% on average over the past years. This is quite good.
  • Looking at the last year, SPOL shows a decrease in Revenue. The Revenue has decreased by -2.69% in the last year.
  • The Revenue has been growing by 12.43% on average over the past years. This is quite good.
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

  • Based on estimates for the next years, SPOL will show a decrease in Earnings Per Share. The EPS will decrease by -2.77% on average per year.
  • Based on estimates for the next years, SPOL will show a small growth in Revenue. The Revenue will grow by 2.20% on average per year.
EPS Next Y-7.7%
EPS Next 2Y-1.74%
EPS Next 3Y-2.77%
EPS Next 5YN/A
Revenue Next Year-1.12%
Revenue Next 2Y1.13%
Revenue Next 3Y2.2%
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.
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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3

4. SPOL.OL Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 11.18, the valuation of SPOL can be described as very reasonable.
  • 60.00% of the companies in the same industry are cheaper than SPOL, based on the Price/Earnings ratio.
  • SPOL is valuated cheaply when we compare the Price/Earnings ratio to 25.50, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 12.11, the valuation of SPOL can be described as correct.
  • 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 70.91% of the companies listed in the same industry.
  • SPOL's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.67.
Industry RankSector Rank
PE 11.18
Fwd PE 12.11
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

  • 78.18% of the companies in the same industry are more expensive than SPOL, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 4.24
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

  • A cheap valuation may be justified as SPOL's earnings are expected to decrease with -2.77% in the coming years.
PEG (NY)N/A
PEG (5Y)0.81
EPS Next 2Y-1.74%
EPS Next 3Y-2.77%

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

6

5. SPOL.OL Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 6.19%, SPOL is a good candidate for dividend investing.
  • SPOL's Dividend Yield is a higher than the industry average which is at 4.75.
  • Compared to an average S&P500 Dividend Yield of 1.89, SPOL pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.19%

5.2 History

  • The dividend of SPOL is nicely growing with an annual growth rate of 16.92%!
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-1.74%
EPS Next 3Y-2.77%
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 (3/25/2026, 2:25:04 PM)

203.4

+1.7 (+0.84%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-13
Earnings (Next)05-08
Inst Owners11.38%
Inst Owner ChangeN/A
Ins Owners0.1%
Ins Owner ChangeN/A
Market Cap27.63B
Revenue(TTM)8.15B
Net Income(TTM)2.47B
Analysts46.67
Price Target196.52 (-3.38%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.19%
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)2.85%
PT rev (3m)4.71%
EPS NQ rev (1m)34.32%
EPS NQ rev (3m)34.32%
EPS NY rev (1m)-0.94%
EPS NY rev (3m)5.29%
Revenue NQ rev (1m)4.3%
Revenue NQ rev (3m)4.3%
Revenue NY rev (1m)-1.35%
Revenue NY rev (3m)1.6%
Valuation
Industry RankSector Rank
PE 11.18
Fwd PE 12.11
P/S 3.39
P/FCF 4.24
P/OCF 4.17
P/B 1
P/tB 1.06
EV/EBITDA N/A
EPS(TTM)18.2
EY8.95%
EPS(NY)16.8
Fwd EY8.26%
FCF(TTM)48.01
FCFY23.61%
OCF(TTM)48.81
OCFY24%
SpS59.97
BVpS202.73
TBVpS192.44
PEG (NY)N/A
PEG (5Y)0.81
Graham Number288.13
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
WACC6.22%
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-7.7%
EPS Next 2Y-1.74%
EPS Next 3Y-2.77%
EPS Next 5YN/A
Revenue 1Y (TTM)-2.69%
Revenue growth 3Y17.73%
Revenue growth 5Y12.43%
Sales Q2Q%16.64%
Revenue Next Year-1.12%
Revenue Next 2Y1.13%
Revenue Next 3Y2.2%
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 3 / 10 to SPAREBANK 1 OESTLANDET (SPOL.OL). This can be considered as Overvalued.


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 earnings growth outlook for SPAREBANK 1 OESTLANDET?

The Earnings per Share (EPS) of SPAREBANK 1 OESTLANDET (SPOL.OL) is expected to decline by -7.7% in the next year.


Can you provide the dividend sustainability for SPOL stock?

The dividend rating of SPAREBANK 1 OESTLANDET (SPOL.OL) is 6 / 10 and the dividend payout ratio is 76.78%.