STOREBRAND ASA (STB.OL) Stock Fundamental Analysis

OSL:STB • NO0003053605

179.45 NOK
-3.15 (-1.73%)
Last: Feb 24, 2026, 11:24 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

3

Overall STB gets a fundamental rating of 3 out of 10. We evaluated STB against 46 industry peers in the Insurance industry. STB may be in some trouble as it scores bad on both profitability and health. STB is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year STB was profitable.
  • STB had a positive operating cash flow in the past year.
  • Each year in the past 5 years STB has been profitable.
  • In multiple years STB reported negative operating cash flow during the last 5 years.
STB.OL Yearly Net Income VS EBIT VS OCF VS FCFSTB.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 0 10B -10B 20B 30B

1.2 Ratios

  • STB has a worse Return On Assets (0.46%) than 82.61% of its industry peers.
  • STB's Return On Equity of 15.06% is in line compared to the rest of the industry. STB outperforms 52.17% of its industry peers.
Industry RankSector 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
STB.OL Yearly ROA, ROE, ROICSTB.OL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15

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.
  • STB's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for STB so they could not be analyzed.
Industry RankSector 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
STB.OL Yearly Profit, Operating, Gross MarginsSTB.OL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500 -500 1K 1.5K

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

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
  • Compared to 5 years ago, STB has less shares outstanding
  • The debt/assets ratio for STB is higher compared to a year ago.
STB.OL Yearly Shares OutstandingSTB.OL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
STB.OL Yearly Total Debt VS Total AssetsSTB.OL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B 800B

2.2 Solvency

  • The Debt to FCF ratio of STB is 47.91, which is on the high side as it means it would take STB, 47.91 years of fcf income to pay off all of its debts.
  • STB has a worse Debt to FCF ratio (47.91) than 76.09% of its industry peers.
  • STB has a Debt/Equity ratio of 2.98. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 2.98, STB is not doing good in the industry: 91.30% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 2.98
Debt/FCF 47.91
Altman-Z N/A
ROIC/WACCN/A
WACC6.89%
STB.OL Yearly LT Debt VS Equity VS FCFSTB.OL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B 20B 30B 40B 50B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
STB.OL Yearly Current Assets VS Current LiabilitesSTB.OL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • The earnings per share for STB have decreased by -1.74% in the last year.
  • The Earnings Per Share has been growing by 20.07% on average over the past years. This is a very strong growth
  • STB shows a strong growth in Revenue. In the last year, the Revenue has grown by 137.72%.
  • STB shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -48.38% yearly.
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

  • STB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.36% yearly.
  • 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-21.06%
EPS Next 2Y-7.95%
EPS Next 3Y-2.02%
EPS Next 5Y1.36%
Revenue Next Year-0.02%
Revenue Next 2Y5.1%
Revenue Next 3Y10.14%
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 accelerating.
STB.OL Yearly Revenue VS EstimatesSTB.OL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 20B 40B 60B 80B 100B
STB.OL Yearly EPS VS EstimatesSTB.OL Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5 10

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Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 14.71 indicates a correct valuation of STB.
  • 67.39% of the companies in the same industry are cheaper than STB, based on the Price/Earnings ratio.
  • STB is valuated rather cheaply when we compare the Price/Earnings ratio to 26.64, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 15.78, STB is valued correctly.
  • 80.43% of the companies in the same industry are cheaper than STB, based on the Price/Forward Earnings ratio.
  • STB is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 27.75, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 14.71
Fwd PE 15.78
STB.OL Price Earnings VS Forward Price EarningsSTB.OL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 76.09% of the companies in the same industry are cheaper than STB, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 39.15
EV/EBITDA N/A
STB.OL Per share dataSTB.OL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

  • STB's earnings are expected to decrease with -2.02% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.73
EPS Next 2Y-7.95%
EPS Next 3Y-2.02%

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

4

5. Dividend

5.1 Amount

  • STB has a Yearly Dividend Yield of 3.04%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 4.18, STB is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.80, STB pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.04%

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

  • 41.92% of the earnings are spent on dividend by STB. This is a bit on the high side, but may be sustainable.
  • The dividend of STB is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP41.92%
EPS Next 2Y-7.95%
EPS Next 3Y-2.02%
STB.OL Yearly Income VS Free CF VS DividendSTB.OL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B -2B 4B
STB.OL Dividend Payout.STB.OL Dividend Payout, showing the Payout Ratio.STB.OL Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

STOREBRAND ASA

OSL:STB (2/24/2026, 11:24:32 AM)

179.45

-3.15 (-1.73%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-11
Earnings (Next)04-29
Inst Owners71.1%
Inst Owner ChangeN/A
Ins Owners0.22%
Ins Owner ChangeN/A
Market Cap78.15B
Revenue(TTM)6.30B
Net Income(TTM)4.84B
Analysts77.33
Price Target174.17 (-2.94%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.04%
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)2.09%
PT rev (3m)5.73%
EPS NQ rev (1m)-1.36%
EPS NQ rev (3m)-1.13%
EPS NY rev (1m)0%
EPS NY rev (3m)1.08%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 14.71
Fwd PE 15.78
P/S 12.4
P/FCF 39.15
P/OCF 21.1
P/B 2.43
P/tB 3.03
EV/EBITDA N/A
EPS(TTM)12.2
EY6.8%
EPS(NY)11.38
Fwd EY6.34%
FCF(TTM)4.58
FCFY2.55%
OCF(TTM)8.5
OCFY4.74%
SpS14.47
BVpS73.76
TBVpS59.19
PEG (NY)N/A
PEG (5Y)0.73
Graham Number142.29
Profitability
Industry RankSector 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 RankSector 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
WACC6.89%
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-21.06%
EPS Next 2Y-7.95%
EPS Next 3Y-2.02%
EPS Next 5Y1.36%
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.


What is the valuation status of STOREBRAND ASA (STB.OL) stock?

ChartMill assigns a valuation rating of 2 / 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.


How financially healthy is STOREBRAND ASA?

The financial health rating of STOREBRAND ASA (STB.OL) is 1 / 10.


Can you provide the dividend sustainability for STB stock?

The dividend rating of STOREBRAND ASA (STB.OL) is 4 / 10 and the dividend payout ratio is 41.92%.