STOREBRAND ASA(OSL:STB) stock Fundamental Analysis

Fundamental Rating

STB gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 33 industry peers in the Insurance industry. STB may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, STB is valued expensive at the moment.

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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.

STB had positive earnings in each of the past 5 years.

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 0.55%, STB is not doing good in the industry: 75.76% of the companies in the same industry are doing better.

Looking at the Return On Equity, with a value of 17.33%, STB is in the better half of the industry, outperforming 69.70% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.55%
ROE	17.33%
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 176.03%, 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.

The Operating Margin and Gross Margin are not available for STB so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	176.03%
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.

Compared to 1 year ago, STB has less shares outstanding

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 131.42. This is a negative value and a sign of low solvency as STB would need 131.42 years to pay back of all of its debts.

STB has a worse Debt to FCF ratio (131.42) than 78.79% of its industry peers.

A Debt/Equity ratio of 2.69 is on the high side and indicates that STB has dependencies on debt financing.

STB's Debt to Equity ratio of 2.69 is on the low side compared to the rest of the industry. STB is outperformed by 87.88% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	2.69
Debt/FCF	131.42
Altman-Z	N/A

ROIC/WACCN/A

WACC7.37%

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 strong growth in Earnings Per Share. In the last year, the EPS has been growing by 61.18%, which is quite impressive.

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 605.02% in the past year. This is a very strong growth!

The Revenue for STB have been decreasing by -48.38% on average. This is quite bad

EPS 1Y (TTM)61.18%

EPS 3Y20.63%

EPS 5Y20.07%

EPS Q2Q%44.49%

Revenue 1Y (TTM)605.02%

Revenue growth 3Y-70.05%

Revenue growth 5Y-48.38%

Sales Q2Q%152.78%

3.2 Future

The Earnings Per Share is expected to decrease by -4.73% on average over the next years.

The Revenue is expected to grow by 16.13% on average over the next years. This is quite good.

EPS Next Y-27.85%

EPS Next 2Y-10.98%

EPS Next 3Y-4.73%

EPS Next 5YN/A

Revenue Next Year-3.76%

Revenue Next 2Y1.58%

Revenue Next 3Y16.13%

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.

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

Based on the Price/Earnings ratio of 9.55, the valuation of STB can be described as reasonable.

Based on the Price/Earnings ratio, STB is valued cheaply inside the industry as 84.85% of the companies are valued more expensively.

When comparing the Price/Earnings ratio of STB to the average of the S&P500 Index (28.22), we can say STB is valued rather cheaply.

Based on the Price/Forward Earnings ratio of 13.24, the valuation of STB can be described as correct.

STB's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. STB is more expensive than 75.76% of the companies in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 20.86, STB is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	9.55
Fwd PE	13.24

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, STB is valued a bit more expensive than the industry average as 78.79% of the companies are valued more cheaply.

		Industry Rank	Sector Rank
P/FCF	88.56
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)0.48

EPS Next 2Y-10.98%

EPS Next 3Y-4.73%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.76%, STB has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 4.60, STB is paying slightly less dividend.

Compared to an average S&P500 Dividend Yield of 2.44, STB pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	3.76%

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

33.07% of the earnings are spent on dividend by STB. This is a low number and sustainable payout ratio.

DP33.07%

EPS Next 2Y-10.98%

EPS Next 3Y-4.73%

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STOREBRAND ASA

OSL:STB (5/2/2025, 7:00:00 PM)

128.3

+3.4 (+2.72%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)02-12 2025-02-12/bmo

Earnings (Next)05-07 2025-05-07

Inst Owners75.81%

Inst Owner ChangeN/A

Ins Owners0.47%

Ins Owner ChangeN/A

Market Cap57.47B

Analysts70

Price Target132.73 (3.45%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.76%

Yearly Dividend4.12

Dividend Growth(5Y)10.52%

DP33.07%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)35.69%

Min EPS beat(2)26.52%

Max EPS beat(2)44.87%

EPS beat(4)4

Avg EPS beat(4)36.94%

Min EPS beat(4)26.52%

Max EPS beat(4)46.93%

EPS beat(8)7

Avg EPS beat(8)28.39%

EPS beat(12)11

Avg EPS beat(12)24.79%

EPS beat(16)14

Avg EPS beat(16)20.6%

Revenue beat(2)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

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)2.87%

PT rev (3m)2.66%

EPS NQ rev (1m)1.93%

EPS NQ rev (3m)0.59%

EPS NY rev (1m)-0.92%

EPS NY rev (3m)-2.3%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)-12.3%

Revenue NY rev (3m)-11.5%

Valuation

		Industry Rank	Sector Rank
PE	9.55
Fwd PE	13.24
P/S	18.42
P/FCF	88.56
P/OCF	24.6
P/B	1.81
P/tB	2.3
EV/EBITDA	N/A

EPS(TTM)13.43

EY10.47%

EPS(NY)9.69

Fwd EY7.55%

FCF(TTM)1.45

FCFY1.13%

OCF(TTM)5.21

OCFY4.06%

SpS6.97

BVpS70.79

TBVpS55.79

PEG (NY)N/A

PEG (5Y)0.48

Profitability

		Industry Rank	Sector Rank
ROA	0.55%
ROE	17.33%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	176.03%
GM	N/A
FCFM	20.79%

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-Score6

Asset Turnover0

Health

		Industry Rank	Sector Rank
Debt/Equity	2.69
Debt/FCF	131.42
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	54.05%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	11.81%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC7.37%

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)61.18%

EPS 3Y20.63%

EPS 5Y20.07%

EPS Q2Q%44.49%

EPS Next Y-27.85%

EPS Next 2Y-10.98%

EPS Next 3Y-4.73%

EPS Next 5YN/A

Revenue 1Y (TTM)605.02%

Revenue growth 3Y-70.05%

Revenue growth 5Y-48.38%

Sales Q2Q%152.78%

Revenue Next Year-3.76%

Revenue Next 2Y1.58%

Revenue Next 3Y16.13%

Revenue Next 5YN/A

EBIT growth 1Y35.3%

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y146.96%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y286.14%

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