STB Fundamental Analysis - STOREBRAND ASA

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to STB. STB was compared to 38 industry peers in the Insurance industry. STB may be in some trouble as it scores bad on both profitability and health. STB is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

STB had positive earnings in the past year.

In the past year STB had a positive cash flow from operations.

In the past 5 years STB has always been profitable.

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

1.2 Ratios

With a Return On Assets value of 0.45%, STB is not doing good in the industry: 78.38% of the companies in the same industry are doing better.

Looking at the Return On Equity, with a value of 14.79%, STB is in the better half of the industry, outperforming 62.16% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.45%
ROE	14.79%
ROIC	N/A

ROA(3y)0.41%

ROA(5y)0.39%

ROE(3y)12.22%

ROE(5y)10.3%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin of STB (30793.33%) is better than 100.00% of its industry peers.

In the last couple of years the Profit Margin of STB has grown nicely.

STB 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)	30793.33%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y303.1%

PM growth 5Y135.54%

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

STB does not have a ROIC to compare to the WACC, probably because it is not profitable.

STB has less shares outstanding than it did 1 year ago.

STB has less shares outstanding than it did 5 years ago.

Compared to 1 year ago, STB has a worse debt to assets ratio.

2.2 Solvency

STB has a debt to FCF ratio of 8.55. This is a slightly negative value and a sign of low solvency as STB would need 8.55 years to pay back of all of its debts.

STB's Debt to FCF ratio of 8.55 is on the low side compared to the rest of the industry. STB is outperformed by 64.86% of its industry peers.

STB has a Debt/Equity ratio of 2.90. This is a high value indicating a heavy dependency on external financing.

The Debt to Equity ratio of STB (2.90) is worse than 91.89% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	2.9
Debt/FCF	8.55
Altman-Z	N/A

ROIC/WACCN/A

WACC6.99%

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

STB shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 4.06%.

Measured over the past years, STB shows a very strong growth in Earnings Per Share. The EPS has been growing by 20.07% on average per year.

The Revenue has grown by 100.34% in the past year. This is a very strong growth!

Measured over the past years, STB shows a very negative growth in Revenue. The Revenue has been decreasing by -48.38% on average per year.

EPS 1Y (TTM)4.06%

EPS 3Y20.63%

EPS 5Y20.07%

EPS Q2Q%-40.27%

Revenue 1Y (TTM)100.34%

Revenue growth 3Y-70.05%

Revenue growth 5Y-48.38%

Sales Q2Q%847.81%

3.2 Future

Based on estimates for the next years, STB will show a decrease in Earnings Per Share. The EPS will decrease by -4.73% on average per year.

The Revenue is expected to grow by 7.53% on average over the next years.

EPS Next Y-27.85%

EPS Next 2Y-10.98%

EPS Next 3Y-4.73%

EPS Next 5YN/A

Revenue Next Year-4.29%

Revenue Next 2Y1.52%

Revenue Next 3Y7.53%

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 accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 12.49, STB is valued correctly.

Based on the Price/Earnings ratio, STB is valued a bit cheaper than the industry average as 67.57% of the companies are valued more expensively.

STB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.82.

STB is valuated correctly with a Price/Forward Earnings ratio of 13.68.

STB's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. STB is more expensive than 70.27% of the companies in the same industry.

STB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.21.

		Industry Rank	Sector Rank
PE	12.49
Fwd PE	13.68

4.2 Price Multiples

72.97% of the companies in the same industry are more expensive than STB, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	5.99
EV/EBITDA	N/A

4.3 Compensation for Growth

A cheap valuation may be justified as STB's earnings are expected to decrease with -4.73% in the coming years.

PEG (NY)N/A

PEG (5Y)0.62

EPS Next 2Y-10.98%

EPS Next 3Y-4.73%

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5. Dividend

5.1 Amount

STB has a Yearly Dividend Yield of 3.19%.

STB's Dividend Yield is slightly below the industry average, which is at 4.36.

STB's Dividend Yield is a higher than the S&P500 average which is at 2.39.

		Industry Rank	Sector Rank
Dividend Yield	3.19%

5.2 History

The dividend of STB is nicely growing with an annual growth rate of 10.52%!

Dividend Growth(5Y)10.52%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

STB pays out 43.91% of its income as dividend. This is a bit on the high side, but may be sustainable.

DP43.91%

EPS Next 2Y-10.98%

EPS Next 3Y-4.73%

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STOREBRAND ASA

OSL:STB (8/1/2025, 7:00:00 PM)

145.5

-1.8 (-1.22%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)07-11 2025-07-11/bmo

Earnings (Next)10-22 2025-10-22

Inst Owners72.78%

Inst Owner ChangeN/A

Ins Owners0.47%

Ins Owner ChangeN/A

Market Cap63.36B

Analysts73.33

Price Target142.09 (-2.34%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.19%

Yearly Dividend4.12

Dividend Growth(5Y)10.52%

DP43.91%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)19.06%

Min EPS beat(2)7.54%

Max EPS beat(2)30.57%

EPS beat(4)4

Avg EPS beat(4)27.37%

Min EPS beat(4)7.54%

Max EPS beat(4)44.87%

EPS beat(8)8

Avg EPS beat(8)26.29%

EPS beat(12)11

Avg EPS beat(12)24.89%

EPS beat(16)15

Avg EPS beat(16)22.37%

Revenue beat(2)2

Avg Revenue beat(2)53.88%

Min Revenue beat(2)51.02%

Max Revenue beat(2)56.74%

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)5.85%

PT rev (3m)7.05%

EPS NQ rev (1m)4.69%

EPS NQ rev (3m)4.69%

EPS NY rev (1m)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0%

Revenue NY rev (3m)-0.55%

Valuation

		Industry Rank	Sector Rank
PE	12.49
Fwd PE	13.68
P/S	4224.16
P/FCF	5.99
P/OCF	5.16
P/B	2.03
P/tB	2.57
EV/EBITDA	N/A

EPS(TTM)11.65

EY8.01%

EPS(NY)10.64

Fwd EY7.31%

FCF(TTM)24.29

FCFY16.7%

OCF(TTM)28.19

OCFY19.38%

SpS0.03

BVpS71.71

TBVpS56.7

PEG (NY)N/A

PEG (5Y)0.62

Profitability

		Industry Rank	Sector Rank
ROA	0.45%
ROE	14.79%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	30793.33%
GM	N/A
FCFM	70526.7%

ROA(3y)0.41%

ROA(5y)0.39%

ROE(3y)12.22%

ROE(5y)10.3%

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 3Y303.1%

PM growth 5Y135.54%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0

Health

		Industry Rank	Sector Rank
Debt/Equity	2.9
Debt/FCF	8.55
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	11320%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	229.03%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC6.99%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)24.99%

Cap/Sales(5y)15.05%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)4.06%

EPS 3Y20.63%

EPS 5Y20.07%

EPS Q2Q%-40.27%

EPS Next Y-27.85%

EPS Next 2Y-10.98%

EPS Next 3Y-4.73%

EPS Next 5YN/A

Revenue 1Y (TTM)100.34%

Revenue growth 3Y-70.05%

Revenue growth 5Y-48.38%

Sales Q2Q%847.81%

Revenue Next Year-4.29%

Revenue Next 2Y1.52%

Revenue Next 3Y7.53%

Revenue Next 5YN/A

EBIT growth 1Y27.48%

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y641.96%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y785.87%

OCF growth 3YN/A

OCF growth 5YN/A

STOREBRAND ASA (STB.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