SPOL Fundamental Analysis - SPAREBANK 1 OESTLANDET

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to SPOL. SPOL was compared to 87 industry peers in the Banks industry. SPOL has a bad profitability rating. Also its financial health evaluation is rather negative. SPOL is not valued too expensively and it also shows a decent growth rate.

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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.

Each year in the past 5 years SPOL has 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

Looking at the Return On Assets, with a value of 1.11%, SPOL is in the better half of the industry, outperforming 75.86% of the companies in the same industry.

With a Return On Equity value of 9.05%, SPOL perfoms like the industry average, outperforming 50.57% 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 77.01% of its industry peers.

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.

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.

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 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.

With an excellent Debt to FCF ratio value of 7.09, SPOL belongs to the best of the industry, outperforming 89.66% of the companies in the same industry.

SPOL has a Debt/Equity ratio of 1.89. This is a high value indicating a heavy dependency on external 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

WACC5.69%

2.3 Liquidity

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

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WACC

Debt/Equity

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Altman-Z score

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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.

The Earnings Per Share has been growing slightly by 4.61% on average over the past years.

SPOL shows a strong growth in Revenue. In the last year, the Revenue has grown by 42.78%.

SPOL shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.99% yearly.

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

SPOL is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -2.95% yearly.

Based on estimates for the next years, SPOL will show a small growth in Revenue. The Revenue will grow by 3.68% on average per year.

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

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

The Price/Earnings ratio is 10.15, which indicates a very decent valuation of SPOL.

SPOL's Price/Earnings ratio is a bit more expensive when compared to the industry. SPOL is more expensive than 63.22% of the companies in the same industry.

SPOL is valuated cheaply when we compare the Price/Earnings ratio to 27.45, which is the current average of the S&P500 Index.

A Price/Forward Earnings ratio of 11.48 indicates a reasonable valuation of SPOL.

SPOL's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. SPOL is more expensive than 66.67% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 21.90. SPOL is valued slightly cheaper when compared to this.

		Industry Rank	Sector Rank
PE	10.15
Fwd PE	11.48

4.2 Price Multiples

SPOL's Price/Free Cash Flow ratio is rather cheap when compared to the industry. SPOL is cheaper than 87.36% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	3.68
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)2.2

EPS Next 2Y-7.46%

EPS Next 3Y-2.95%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.39%, SPOL is a good candidate for dividend investing.

SPOL's Dividend Yield is comparable with the industry average which is at 5.13.

Compared to an average S&P500 Dividend Yield of 2.42, SPOL pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	5.39%

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

54.89% of the earnings are spent on dividend by SPOL. 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 (7/4/2025, 4:19:30 PM)

187.34

-1.56 (-0.83%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)05-08 2025-05-08/bmo

Earnings (Next)08-07 2025-08-07

Inst Owners10.45%

Inst Owner ChangeN/A

Ins Owners0.19%

Ins Owner ChangeN/A

Market Cap25.45B

Analysts46.67

Price Target171.11 (-8.66%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.39%

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)3.81%

PT rev (3m)5.11%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0.12%

EPS NY rev (1m)0%

EPS NY rev (3m)-0.47%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0.06%

Revenue NY rev (1m)0%

Revenue NY rev (3m)2.63%

Valuation

		Industry Rank	Sector Rank
PE	10.15
Fwd PE	11.48
P/S	3.04
P/FCF	3.68
P/OCF	3.56
P/B	0.98
P/tB	1.04
EV/EBITDA	N/A

EPS(TTM)18.46

EY9.85%

EPS(NY)16.31

Fwd EY8.71%

FCF(TTM)50.93

FCFY27.19%

OCF(TTM)52.64

OCFY28.1%

SpS61.63

BVpS190.78

TBVpS180.24

PEG (NY)N/A

PEG (5Y)2.2

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

WACC5.69%

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

SPAREBANK 1 OESTLANDET (SPOL.OL) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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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

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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