SPAREBANK 1 OESTLANDET (SPOL.OL) Stock Fundamental Analysis
OSL:SPOL - Euronext Oslo - NO0010751910 - Common Stock - Currency: NOK
Overall SPOL gets a fundamental rating of 4 out of 10. We evaluated SPOL against 92 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.
1. Profitability
1.1 Basic Checks
SPOL had positive earnings in the past year.
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
SPOL has a better Return On Assets (1.11%) than 76.09% of its industry peers.
Looking at the Return On Equity, with a value of 9.05%, SPOL is in line with its industry, outperforming 48.91% of the companies in the same 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
The Profit Margin of SPOL (28.03%) is better than 76.09% of its industry peers.
SPOL's Profit Margin has been stable 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 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
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.
The number of shares outstanding for SPOL has been increased compared to 5 years ago.
Compared to 1 year ago, SPOL has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of SPOL is 7.09, which is on the high side as it means it would take SPOL, 7.09 years of fcf income to pay off all of its debts.
SPOL has a better Debt to FCF ratio (7.09) than 86.96% 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.
SPOL has a Debt to Equity ratio (1.89) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.89 | ||
| Debt/FCF | 7.09 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.78%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
SPOL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 29.82%, which is quite impressive.
SPOL shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.61% yearly.
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)29.82%
EPS 3Y16.79%
EPS 5Y4.61%
EPS Q2Q%-11.73%
Revenue 1Y (TTM)42.78%
Revenue growth 3Y19.14%
Revenue growth 5Y11.99%
Sales Q2Q%7.79%
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.
The Revenue is expected to grow by 3.68% on average over the next years.
EPS Next Y-13.61%
EPS Next 2Y-7.46%
EPS Next 3Y-2.95%
EPS Next 5YN/A
Revenue Next Year7.54%
Revenue Next 2Y4%
Revenue Next 3Y3.68%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 9.92, which indicates a very decent valuation of SPOL.
Compared to the rest of the industry, the Price/Earnings ratio of SPOL is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 26.25, SPOL is valued rather cheaply.
With a Price/Forward Earnings ratio of 11.22, the valuation of SPOL can be described as very reasonable.
SPOL's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. SPOL is more expensive than 67.39% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of SPOL to the average of the S&P500 Index (22.15), we can say SPOL is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.92 | ||
| Fwd PE | 11.22 |
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 89.13% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.59 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as SPOL's earnings are expected to decrease with -2.95% in the coming years.
PEG (NY)N/A
PEG (5Y)2.15
EPS Next 2Y-7.46%
EPS Next 3Y-2.95%
5. Dividend
5.1 Amount
SPOL has a Yearly Dividend Yield of 5.49%, which is a nice return.
SPOL's Dividend Yield is a higher than the industry average which is at 5.03.
Compared to an average S&P500 Dividend Yield of 2.40, SPOL pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.49% |
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
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%
OSL:SPOL (5/30/2025, 7:00:00 PM)
183.1
+2.7 (+1.5%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners10.36%
Inst Owner ChangeN/A
Ins Owners0.19%
Ins Owner ChangeN/A
Market Cap24.88B
Analysts74.55
Price Target164.83 (-9.98%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.49% |
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)0%
PT rev (3m)2.02%
EPS NQ rev (1m)0.12%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-0.47%
Revenue NQ rev (1m)0.06%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.18%
Revenue NY rev (3m)4.2%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.92 | ||
| Fwd PE | 11.22 | ||
| P/S | 2.97 | ||
| P/FCF | 3.59 | ||
| P/OCF | 3.48 | ||
| P/B | 0.96 | ||
| P/tB | 1.02 | ||
| EV/EBITDA | N/A |
EPS(TTM)18.46
EY10.08%
EPS(NY)16.31
Fwd EY8.91%
FCF(TTM)50.93
FCFY27.82%
OCF(TTM)52.64
OCFY28.75%
SpS61.63
BVpS190.78
TBVpS180.24
PEG (NY)N/A
PEG (5Y)2.15
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
WACC5.78%
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)29.82%
EPS 3Y16.79%
EPS 5Y4.61%
EPS Q2Q%-11.73%
EPS Next Y-13.61%
EPS Next 2Y-7.46%
EPS Next 3Y-2.95%
EPS Next 5YN/A
Revenue 1Y (TTM)42.78%
Revenue growth 3Y19.14%
Revenue growth 5Y11.99%
Sales Q2Q%7.79%
Revenue Next Year7.54%
Revenue Next 2Y4%
Revenue Next 3Y3.68%
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