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 37 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.

In the past year STB had a positive cash flow from operations.

In the past 5 years STB has always been profitable.

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

1.2 Ratios

With a Return On Assets value of 0.56%, STB is not doing good in the industry: 72.97% of the companies in the same industry are doing better.

The Return On Equity of STB (17.25%) is better than 75.68% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.56%
ROE	17.25%
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

STB has a better Profit Margin (73.55%) than 100.00% of its industry peers.

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)	73.55%
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.

STB has less shares outstanding than it did 1 year ago.

The number of shares outstanding for STB has been reduced compared to 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 9.96, which is on the high side as it means it would take STB, 9.96 years of fcf income to pay off all of its debts.

Looking at the Debt to FCF ratio, with a value of 9.96, STB is doing worse than 67.57% of the companies in the same industry.

STB has a Debt/Equity ratio of 2.77. This is a high value indicating a heavy dependency on external financing.

Looking at the Debt to Equity ratio, with a value of 2.77, STB is doing worse than 86.49% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	2.77
Debt/FCF	9.96
Altman-Z	N/A

ROIC/WACCN/A

WACC7.06%

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 grown by an impressive 69.17% over the past year.

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 175.94% 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)69.17%

EPS 3Y20.63%

EPS 5Y20.07%

EPS Q2Q%11.71%

Revenue 1Y (TTM)175.94%

Revenue growth 3Y-70.05%

Revenue growth 5Y-48.38%

Sales Q2Q%328.94%

3.2 Future

STB is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -4.73% yearly.

Based on estimates for the next years, STB will show a small growth in Revenue. The Revenue will grow by 7.53% on average per year.

EPS Next Y-27.85%

EPS Next 2Y-10.98%

EPS Next 3Y-4.73%

EPS Next 5YN/A

Revenue Next Year-4.29%

Revenue Next 2Y1.52%

Revenue Next 3Y7.53%

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.

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 9.72 indicates a reasonable valuation of STB.

Compared to the rest of the industry, the Price/Earnings ratio of STB indicates a rather cheap valuation: STB is cheaper than 81.08% of the companies listed in the same industry.

STB is valuated cheaply when we compare the Price/Earnings ratio to 26.20, which is the current average of the S&P500 Index.

With a Price/Forward Earnings ratio of 12.50, STB is valued correctly.

67.57% 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 22.13, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	9.72
Fwd PE	12.5

4.2 Price Multiples

72.97% 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	6.62
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 3.52%, STB has a reasonable but not impressive dividend return.

STB's Dividend Yield is slightly below the industry average, which is at 4.50.

STB's Dividend Yield is a higher than the S&P500 average which is at 2.40.

		Industry Rank	Sector Rank
Dividend Yield	3.52%

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

32.59% of the earnings are spent on dividend by STB. This is a low number and sustainable payout ratio.

DP32.59%

EPS Next 2Y-10.98%

EPS Next 3Y-4.73%

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STOREBRAND ASA

OSL:STB (5/28/2025, 7:00:00 PM)

133

-1 (-0.75%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)05-07 2025-05-07/bmo

Earnings (Next)07-11 2025-07-11

Inst Owners75.81%

Inst Owner ChangeN/A

Ins Owners0.47%

Ins Owner ChangeN/A

Market Cap59.58B

Analysts70

Price Target132.6 (-0.3%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.52%

Yearly Dividend4.12

Dividend Growth(5Y)10.52%

DP32.59%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)26.2%

Min EPS beat(2)7.54%

Max EPS beat(2)44.87%

EPS beat(4)4

Avg EPS beat(4)27.1%

Min EPS beat(4)7.54%

Max EPS beat(4)44.87%

EPS beat(8)7

Avg EPS beat(8)21.85%

EPS beat(12)11

Avg EPS beat(12)24.14%

EPS beat(16)15

Avg EPS beat(16)21.53%

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)0.78%

PT rev (3m)2.26%

EPS NQ rev (1m)-2.64%

EPS NQ rev (3m)-2.37%

EPS NY rev (1m)0%

EPS NY rev (3m)-2.26%

Revenue NQ rev (1m)5.32%

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)-0.55%

Revenue NY rev (3m)-12.65%

Valuation

		Industry Rank	Sector Rank
PE	9.72
Fwd PE	12.5
P/S	7.86
P/FCF	6.62
P/OCF	5.57
P/B	1.84
P/tB	2.31
EV/EBITDA	N/A

EPS(TTM)13.69

EY10.29%

EPS(NY)10.64

Fwd EY8%

FCF(TTM)20.1

FCFY15.11%

OCF(TTM)23.88

OCFY17.96%

SpS16.92

BVpS72.13

TBVpS57.47

PEG (NY)N/A

PEG (5Y)0.48

Profitability

		Industry Rank	Sector Rank
ROA	0.56%
ROE	17.25%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	73.55%
GM	N/A
FCFM	118.76%

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 Turnover0.01

Health

		Industry Rank	Sector Rank
Debt/Equity	2.77
Debt/FCF	9.96
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	22.37%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	161.47%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC7.06%

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)69.17%

EPS 3Y20.63%

EPS 5Y20.07%

EPS Q2Q%11.71%

EPS Next Y-27.85%

EPS Next 2Y-10.98%

EPS Next 3Y-4.73%

EPS Next 5YN/A

Revenue 1Y (TTM)175.94%

Revenue growth 3Y-70.05%

Revenue growth 5Y-48.38%

Sales Q2Q%328.94%

Revenue Next Year-4.29%

Revenue Next 2Y1.52%

Revenue Next 3Y7.53%

Revenue Next 5YN/A

EBIT growth 1Y60.46%

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y547.42%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y682.36%

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