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STOREBRAND ASA (STB.OL) Stock Fundamental Analysis

OSL:STB - Euronext Oslo - NO0003053605 - Common Stock - Currency: NOK

134.75  -1.15 (-0.85%)

Fundamental Rating

3

STB gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 38 industry peers in the Insurance industry. STB has a bad profitability rating. Also its financial health evaluation is rather negative. STB is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

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.
STB.OL Yearly Net Income VS EBIT VS OCF VS FCFSTB.OL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B -10B 20B 30B

1.2 Ratios

STB's Return On Assets of 0.56% is on the low side compared to the rest of the industry. STB is outperformed by 73.68% of its industry peers.
Looking at the Return On Equity, with a value of 17.25%, STB is in the better half of the industry, outperforming 76.32% of the companies in the same industry.
Industry RankSector 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
STB.OL Yearly ROA, ROE, ROICSTB.OL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15

1.3 Margins

STB has a Profit Margin of 73.55%. This is amongst the best in the industry. STB outperforms 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 RankSector 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
STB.OL Yearly Profit, Operating, Gross MarginsSTB.OL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500 -500 1K 1.5K

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1

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.
STB.OL Yearly Shares OutstandingSTB.OL Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
STB.OL Yearly Total Debt VS Total AssetsSTB.OL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B 800B

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 68.42% of the companies in the same industry.
A Debt/Equity ratio of 2.77 is on the high side and indicates that STB has dependencies on debt financing.
STB has a worse Debt to Equity ratio (2.77) than 89.47% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.77
Debt/FCF 9.96
Altman-Z N/A
ROIC/WACCN/A
WACC7.05%
STB.OL Yearly LT Debt VS Equity VS FCFSTB.OL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B 20B 30B 40B 50B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
STB.OL Yearly Current Assets VS Current LiabilitesSTB.OL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

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5

3. Growth

3.1 Past

STB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 69.17%, which is quite impressive.
The Earnings Per Share has been growing by 20.07% on average over the past years. This is a very strong growth
Looking at the last year, STB shows a very strong growth in Revenue. The Revenue has grown by 175.94%.
The Revenue for STB have been decreasing by -48.38% on average. This is quite bad
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

The Earnings Per Share is expected to decrease by -4.73% 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 7.53% yearly.
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.
STB.OL Yearly Revenue VS EstimatesSTB.OL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 20B 40B 60B 80B 100B
STB.OL Yearly EPS VS EstimatesSTB.OL Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6 8 10

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4

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 9.84 indicates a reasonable valuation of STB.
STB's Price/Earnings ratio is rather cheap when compared to the industry. STB is cheaper than 86.84% of the companies in the same industry.
STB is valuated cheaply when we compare the Price/Earnings ratio to 26.34, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 12.67, 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 68.42% of the companies in the same industry.
STB is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.19, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.84
Fwd PE 12.67
STB.OL Price Earnings VS Forward Price EarningsSTB.OL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, STB is valued a bit cheaper than 73.68% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.71
EV/EBITDA N/A
STB.OL Per share dataSTB.OL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

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)0.49
EPS Next 2Y-10.98%
EPS Next 3Y-4.73%

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4

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.51%, STB has a reasonable but not impressive dividend return.
STB's Dividend Yield is slightly below the industry average, which is at 4.47.
Compared to an average S&P500 Dividend Yield of 2.40, STB pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.51%

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%
STB.OL Yearly Income VS Free CF VS DividendSTB.OL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B -2B 4B
STB.OL Dividend Payout.STB.OL Dividend Payout, showing the Payout Ratio.STB.OL Dividend Payout.PayoutRetained Earnings

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STOREBRAND ASA

OSL:STB (6/19/2025, 3:05:16 PM)

134.75

-1.15 (-0.85%)

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 Owners72.78%
Inst Owner ChangeN/A
Ins Owners0.47%
Ins Owner ChangeN/A
Market Cap60.36B
Analysts70.67
Price Target131.81 (-2.18%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.51%
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)-0.6%
PT rev (3m)2.15%
EPS NQ rev (1m)-2.64%
EPS NQ rev (3m)-3.38%
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%
Revenue NY rev (3m)-12.78%
Valuation
Industry RankSector Rank
PE 9.84
Fwd PE 12.67
P/S 7.96
P/FCF 6.71
P/OCF 5.64
P/B 1.87
P/tB 2.34
EV/EBITDA N/A
EPS(TTM)13.69
EY10.16%
EPS(NY)10.64
Fwd EY7.9%
FCF(TTM)20.1
FCFY14.91%
OCF(TTM)23.88
OCFY17.72%
SpS16.92
BVpS72.13
TBVpS57.47
PEG (NY)N/A
PEG (5Y)0.49
Profitability
Industry RankSector 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 RankSector 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
WACC7.05%
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