STB Fundamental Analysis - STOREBRAND ASA

Fundamental Rating

Overall STB gets a fundamental rating of 3 out of 10. We evaluated STB against 39 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.

STB had a positive operating cash flow in the past year.

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

Looking at the Return On Assets, with a value of 0.45%, STB is doing worse than 84.62% of the companies in the same industry.

STB's Return On Equity of 14.79% is in line compared to the rest of the industry. STB outperforms 53.85% of its industry peers.

		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

Looking at the Profit Margin, with a value of 30793.33%, STB belongs to the top 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.

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.

The number of shares outstanding for STB has been reduced compared to 1 year ago.

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

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 has a Debt to FCF ratio of 8.55. This is comparable to the rest of the industry: STB outperforms 41.03% of its industry peers.

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

STB has a Debt to Equity ratio of 2.90. This is amonst the worse of the industry: STB underperforms 89.74% of its industry peers.

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

ROIC/WACCN/A

WACC6.79%

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.

Looking at the last year, STB shows a very strong growth in Revenue. The Revenue has grown by 100.34%.

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)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.

STB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.79% yearly.

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

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

The Price/Earnings ratio is 13.27, which indicates a correct valuation of STB.

Based on the Price/Earnings ratio, STB is valued a bit cheaper than the industry average as 61.54% of the companies are valued more expensively.

Compared to an average S&P500 Price/Earnings ratio of 27.08, STB is valued rather cheaply.

The Price/Forward Earnings ratio is 13.94, which indicates a correct valuation of STB.

Compared to the rest of the industry, the Price/Forward Earnings ratio of STB indicates a slightly more expensive valuation: STB is more expensive than 69.23% of the companies listed in the same industry.

When comparing the Price/Forward Earnings ratio of STB to the average of the S&P500 Index (22.72), we can say STB is valued slightly cheaper.

		Industry Rank	Sector Rank
PE	13.27
Fwd PE	13.94

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, STB is valued a bit cheaper than 71.79% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	6.36
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)0.66

EPS Next 2Y-9.12%

EPS Next 3Y-2.74%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.02%, STB has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 4.28, STB is paying slightly less dividend.

Compared to an average S&P500 Dividend Yield of 2.34, STB pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	3.02%

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-9.12%

EPS Next 3Y-2.74%

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STOREBRAND ASA

OSL:STB (8/29/2025, 7:00:00 PM)

154.6

-0.8 (-0.51%)

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 Cap67.33B

Analysts70.67

Price Target147.22 (-4.77%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.02%

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)3.61%

PT rev (3m)11.03%

EPS NQ rev (1m)4.55%

EPS NQ rev (3m)9.45%

EPS NY rev (1m)4.8%

EPS NY rev (3m)4.8%

Revenue NQ rev (1m)8.26%

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)2.53%

Revenue NY rev (3m)2.53%

Valuation

		Industry Rank	Sector Rank
PE	13.27
Fwd PE	13.94
P/S	4488.35
P/FCF	6.36
P/OCF	5.48
P/B	2.16
P/tB	2.73
EV/EBITDA	N/A

EPS(TTM)11.65

EY7.54%

EPS(NY)11.09

Fwd EY7.17%

FCF(TTM)24.29

FCFY15.71%

OCF(TTM)28.19

OCFY18.24%

SpS0.03

BVpS71.71

TBVpS56.7

PEG (NY)N/A

PEG (5Y)0.66

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

WACC6.79%

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