STB Fundamental Analysis - STOREBRAND ASA

Fundamental Rating

Taking everything into account, STB scores 3 out of 10 in our fundamental rating. STB was compared to 42 industry peers in the Insurance industry. STB may be in some trouble as it scores bad on both profitability and health. STB is valied quite expensively at the moment, while it does show a decent growth rate.

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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.

In multiple years STB reported negative operating cash flow during the last 5 years.

1.2 Ratios

STB has a worse Return On Assets (0.45%) than 84.09% of its industry peers.

With a Return On Equity value of 14.79%, STB perfoms like the industry average, outperforming 54.55% 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.

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 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.

Compared to 1 year ago, STB has less shares outstanding

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

The debt/assets ratio for STB is higher compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of STB is 8.55, which is on the high side as it means it would take STB, 8.55 years of fcf income to pay off all of its debts.

Looking at the Debt to FCF ratio, with a value of 8.55, STB is doing worse than 65.91% of the companies in the same industry.

A Debt/Equity ratio of 2.90 is on the high side and indicates that STB has dependencies on debt financing.

Looking at the Debt to Equity ratio, with a value of 2.90, STB is doing worse than 86.36% of the companies in the same industry.

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

ROIC/WACCN/A

WACC6.95%

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

The Earnings Per Share has been growing slightly by 4.06% over the past year.

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

The Earnings Per Share is expected to decrease by -2.74% on average over the next years.

Based on estimates for the next years, STB will show a small growth in Revenue. The Revenue will grow by 7.79% on average per year.

EPS Next Y-24.39%

EPS Next 2Y-9.12%

EPS Next 3Y-2.74%

EPS Next 5YN/A

Revenue Next Year-1.87%

Revenue Next 2Y3.31%

Revenue Next 3Y7.79%

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

The Price/Earnings ratio is 12.88, which indicates a correct valuation of STB.

Compared to the rest of the industry, the Price/Earnings ratio of STB is on the same level as its industry peers.

STB is valuated cheaply when we compare the Price/Earnings ratio to 27.38, which is the current average of the S&P500 Index.

STB is valuated correctly with a Price/Forward Earnings ratio of 13.53.

70.45% of the companies in the same industry are cheaper than STB, based on the Price/Forward Earnings ratio.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.86, STB is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	12.88
Fwd PE	13.53

4.2 Price Multiples

72.73% 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	6.17
EV/EBITDA	N/A

4.3 Compensation for Growth

A cheap valuation may be justified as STB's earnings are expected to decrease with -2.74% in the coming years.

PEG (NY)N/A

PEG (5Y)0.64

EPS Next 2Y-9.12%

EPS Next 3Y-2.74%

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5. Dividend

5.1 Amount

STB has a Yearly Dividend Yield of 3.03%. Purely for dividend investing, there may be better candidates out there.

STB's Dividend Yield is slightly below the industry average, which is at 4.63.

Compared to an average S&P500 Dividend Yield of 2.38, STB pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	3.03%

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

DP43.91%

EPS Next 2Y-9.12%

EPS Next 3Y-2.74%

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STOREBRAND ASA

OSL:STB (9/19/2025, 7:00:00 PM)

150

-5 (-3.23%)

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 Cap65.32B

Analysts70

Price Target151.09 (0.73%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.03%

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)2.63%

PT rev (3m)12.56%

EPS NQ rev (1m)-0.88%

EPS NQ rev (3m)8.49%

EPS NY rev (1m)0%

EPS NY rev (3m)4.8%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0%

Revenue NY rev (3m)2.53%

Valuation

		Industry Rank	Sector Rank
PE	12.88
Fwd PE	13.53
P/S	4354.8
P/FCF	6.17
P/OCF	5.32
P/B	2.09
P/tB	2.65
EV/EBITDA	N/A

EPS(TTM)11.65

EY7.77%

EPS(NY)11.09

Fwd EY7.39%

FCF(TTM)24.29

FCFY16.2%

OCF(TTM)28.19

OCFY18.79%

SpS0.03

BVpS71.71

TBVpS56.7

PEG (NY)N/A

PEG (5Y)0.64

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

WACC6.95%

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-24.39%

EPS Next 2Y-9.12%

EPS Next 3Y-2.74%

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-1.87%

Revenue Next 2Y3.31%

Revenue Next 3Y7.79%

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