STOREBRAND ASA (STB.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:STB - NO0003053605 - Common Stock
157.4 NOK
-1.1 (-0.69%)
Overall STB gets a fundamental rating of 3 out of 10. We evaluated STB against 47 industry peers in the Insurance industry. Both the profitability and financial health of STB have multiple concerns. While showing a medium growth rate, STB is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
In the past year STB was profitable.
In the past year STB had a positive cash flow from operations.
Each year in the past 5 years STB has 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
Looking at the Return On Assets, with a value of 0.46%, STB is doing worse than 76.60% of the companies in the same industry.
STB has a Return On Equity of 15.06%. This is comparable to the rest of the industry: STB outperforms 59.57% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.46% | ||
| ROE | 15.06% | ||
| 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
With an excellent Profit Margin value of 76.77%, STB belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
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) | 76.77% | ||
| 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
2. Health
2.1 Basic Checks
STB does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, STB has less shares outstanding
The number of shares outstanding for STB has been reduced compared to 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 47.91. This is a negative value and a sign of low solvency as STB would need 47.91 years to pay back of all of its debts.
With a Debt to FCF ratio value of 47.91, STB is not doing good in the industry: 68.09% of the companies in the same industry are doing better.
STB has a Debt/Equity ratio of 2.98. This is a high value indicating a heavy dependency on external financing.
STB's Debt to Equity ratio of 2.98 is on the low side compared to the rest of the industry. STB is outperformed by 82.98% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.98 | ||
| Debt/FCF | 47.91 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.84%
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 STB have decreased by -1.74% in the last year.
STB shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 20.07% yearly.
The Revenue has grown by 137.72% 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)-1.74%
EPS 3Y20.63%
EPS 5Y20.07%
EPS Q2Q%19.16%
Revenue 1Y (TTM)137.72%
Revenue growth 3Y-70.05%
Revenue growth 5Y-48.38%
Sales Q2Q%177.23%
3.2 Future
Based on estimates for the next years, STB will show a decrease in Earnings Per Share. The EPS will decrease by -3.02% on average per year.
STB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.14% yearly.
EPS Next Y-21.9%
EPS Next 2Y-8.89%
EPS Next 3Y-3.02%
EPS Next 5YN/A
Revenue Next Year-0.02%
Revenue Next 2Y5.1%
Revenue Next 3Y10.14%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 12.90, which indicates a correct valuation of STB.
STB's Price/Earnings ratio is a bit cheaper when compared to the industry. STB is cheaper than 63.83% of the companies in the same industry.
When comparing the Price/Earnings ratio of STB to the average of the S&P500 Index (26.31), we can say STB is valued rather cheaply.
STB is valuated correctly with a Price/Forward Earnings ratio of 14.12.
STB's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. STB is more expensive than 65.96% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.59, STB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.9 | ||
| Fwd PE | 14.12 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, STB is valued a bit more expensive than the industry average as 68.09% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 34.34 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as STB's earnings are expected to decrease with -3.02% in the coming years.
PEG (NY)N/A
PEG (5Y)0.64
EPS Next 2Y-8.89%
EPS Next 3Y-3.02%
5. Dividend
5.1 Amount
STB has a Yearly Dividend Yield of 2.99%. Purely for dividend investing, there may be better candidates out there.
STB's Dividend Yield is slightly below the industry average, which is at 4.53.
Compared to an average S&P500 Dividend Yield of 2.40, STB pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.99% |
5.2 History
On average, the dividend of STB grows each year by 10.52%, which is quite nice.
Dividend Growth(5Y)10.52%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
STB pays out 41.92% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP41.92%
EPS Next 2Y-8.89%
EPS Next 3Y-3.02%
OSL:STB (11/28/2025, 7:00:00 PM)
157.4
-1.1 (-0.69%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners73.02%
Inst Owner ChangeN/A
Ins Owners0.22%
Ins Owner ChangeN/A
Market Cap68.54B
Revenue(TTM)6.30B
Net Income(TTM)4.84B
Analysts77.14
Price Target164.73 (4.66%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.99% |
Yearly Dividend4.12
Dividend Growth(5Y)10.52%
DP41.92%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)30.1%
Min EPS beat(2)29.64%
Max EPS beat(2)30.57%
EPS beat(4)4
Avg EPS beat(4)28.15%
Min EPS beat(4)7.54%
Max EPS beat(4)44.87%
EPS beat(8)8
Avg EPS beat(8)28.28%
EPS beat(12)11
Avg EPS beat(12)26.71%
EPS beat(16)15
Avg EPS beat(16)22.97%
Revenue beat(2)2
Avg Revenue beat(2)51.34%
Min Revenue beat(2)51.02%
Max Revenue beat(2)51.66%
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)6.78%
PT rev (3m)11.89%
EPS NQ rev (1m)1.89%
EPS NQ rev (3m)-1.9%
EPS NY rev (1m)4.13%
EPS NY rev (3m)3.29%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.52%
Revenue NY rev (3m)1.88%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.9 | ||
| Fwd PE | 14.12 | ||
| P/S | 10.88 | ||
| P/FCF | 34.34 | ||
| P/OCF | 18.51 | ||
| P/B | 2.13 | ||
| P/tB | 2.66 | ||
| EV/EBITDA | N/A |
EPS(TTM)12.2
EY7.75%
EPS(NY)11.15
Fwd EY7.08%
FCF(TTM)4.58
FCFY2.91%
OCF(TTM)8.5
OCFY5.4%
SpS14.47
BVpS73.76
TBVpS59.19
PEG (NY)N/A
PEG (5Y)0.64
Graham Number142.29
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.46% | ||
| ROE | 15.06% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 76.77% | ||
| GM | N/A | ||
| FCFM | 31.67% |
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
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 3Y303.1%
PM growth 5Y135.54%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.01
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.98 | ||
| Debt/FCF | 47.91 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 27.09% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 41.26% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC6.84%
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)-1.74%
EPS 3Y20.63%
EPS 5Y20.07%
EPS Q2Q%19.16%
EPS Next Y-21.9%
EPS Next 2Y-8.89%
EPS Next 3Y-3.02%
EPS Next 5YN/A
Revenue 1Y (TTM)137.72%
Revenue growth 3Y-70.05%
Revenue growth 5Y-48.38%
Sales Q2Q%177.23%
Revenue Next Year-0.02%
Revenue Next 2Y5.1%
Revenue Next 3Y10.14%
Revenue Next 5YN/A
EBIT growth 1Y83.14%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y78.37%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y187.95%
OCF growth 3YN/A
OCF growth 5YN/A
STOREBRAND ASA / STB.OL FAQ
What is the fundamental rating for STB stock?
ChartMill assigns a fundamental rating of 3 / 10 to STB.OL.
Can you provide the valuation status for STOREBRAND ASA?
ChartMill assigns a valuation rating of 3 / 10 to STOREBRAND ASA (STB.OL). This can be considered as Overvalued.
How profitable is STOREBRAND ASA (STB.OL) stock?
STOREBRAND ASA (STB.OL) has a profitability rating of 3 / 10.
Can you provide the PE and PB ratios for STB stock?
The Price/Earnings (PE) ratio for STOREBRAND ASA (STB.OL) is 12.9 and the Price/Book (PB) ratio is 2.13.
What is the earnings growth outlook for STOREBRAND ASA?
The Earnings per Share (EPS) of STOREBRAND ASA (STB.OL) is expected to decline by -21.9% in the next year.