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. STB has a bad profitability rating. Also its financial health evaluation is rather negative. STB is valied quite expensively at the moment, while it does show a decent growth rate.
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.
In multiple years STB reported negative operating cash flow during the last 5 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.
Looking at the Return On Equity, with a value of 15.06%, STB is in line with its industry, outperforming 59.57% of the companies in the same industry.
| 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.
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) | 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.
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.
STB has a worse debt/assets ratio than last year.
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 68.09% 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.
The Debt to Equity ratio of STB (2.98) is worse than 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.
The Earnings Per Share has been growing by 20.07% on average over the past years. This is a very strong growth
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
The Earnings Per Share is expected to decrease by -3.02% on average over the next years.
Based on estimates for the next years, STB will show a quite strong growth in Revenue. The Revenue will grow by 10.14% on average per year.
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
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 12.90, STB is valued correctly.
63.83% of the companies in the same industry are more expensive than STB, based on the Price/Earnings ratio.
STB is valuated cheaply when we compare the Price/Earnings ratio to 26.31, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 14.12, STB is valued correctly.
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.
STB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.59.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.9 | ||
| Fwd PE | 14.12 |
4.2 Price Multiples
68.09% of the companies in the same industry are cheaper than STB, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 34.34 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
STB's earnings are expected to decrease with -3.02% in the coming years. This may justify a cheaper valuation.
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.
Compared to an average industry Dividend Yield of 4.53, STB is paying slightly less dividend.
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
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.
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.