SPAREBANKEN VEST (SVEG.OL) Stock Fundamental Analysis

OSL:SVEG • NO0006000900

141.72 NOK
+4.74 (+3.46%)
Last: Apr 30, 2025, 04:20 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

3

Taking everything into account, SVEG scores 3 out of 10 in our fundamental rating. SVEG was compared to 106 industry peers in the Banks industry. SVEG may be in some trouble as it scores bad on both profitability and health. SVEG has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year SVEG was profitable.
  • In the past year SVEG had a positive cash flow from operations.
  • Each year in the past 5 years SVEG has been profitable.
  • SVEG had a positive operating cash flow in each of the past 5 years.
SVEG.OL Yearly Net Income VS EBIT VS OCF VS FCFSVEG.OL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.56%, SVEG is in line with its industry, outperforming 43.75% of the companies in the same industry.
  • SVEG has a Return On Equity of 7.25%. This is in the lower half of the industry: SVEG underperforms 63.54% of its industry peers.
Industry RankSector Rank
ROA 0.56%
ROE 7.25%
ROIC N/A
ROA(3y)0.49%
ROA(5y)0.45%
ROE(3y)6.19%
ROE(5y)5.61%
ROIC(3y)N/A
ROIC(5y)N/A
SVEG.OL Yearly ROA, ROE, ROICSVEG.OL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6

1.3 Margins

  • The Profit Margin of SVEG (23.27%) is better than 60.42% of its industry peers.
  • SVEG's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for SVEG so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 23.27%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y12.59%
PM growth 5Y16.7%
GM growth 3YN/A
GM growth 5YN/A
SVEG.OL Yearly Profit, Operating, Gross MarginsSVEG.OL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

2.1 Basic Checks

  • SVEG does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for SVEG remains at a similar level compared to 1 year ago.
  • SVEG has more shares outstanding than it did 5 years ago.
  • SVEG has a worse debt/assets ratio than last year.
SVEG.OL Yearly Shares OutstandingSVEG.OL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
SVEG.OL Yearly Total Debt VS Total AssetsSVEG.OL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 100B 200B 300B

2.2 Solvency

  • SVEG has a debt to FCF ratio of 39.73. This is a negative value and a sign of low solvency as SVEG would need 39.73 years to pay back of all of its debts.
  • SVEG has a better Debt to FCF ratio (39.73) than 75.00% of its industry peers.
  • A Debt/Equity ratio of 6.63 is on the high side and indicates that SVEG has dependencies on debt financing.
  • SVEG has a worse Debt to Equity ratio (6.63) than 88.54% of its industry peers.
Industry RankSector Rank
Debt/Equity 6.63
Debt/FCF 39.73
Altman-Z N/A
ROIC/WACCN/A
WACC5.04%
SVEG.OL Yearly LT Debt VS Equity VS FCFSVEG.OL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SVEG.OL Yearly Current Assets VS Current LiabilitesSVEG.OL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • SVEG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 30.49%, which is quite impressive.
  • Measured over the past years, SVEG shows a quite strong growth in Earnings Per Share. The EPS has been growing by 17.42% on average per year.
  • Looking at the last year, SVEG shows a decrease in Revenue. The Revenue has decreased by -2.96% in the last year.
  • The Revenue has been growing by 10.96% on average over the past years. This is quite good.
EPS 1Y (TTM)30.49%
EPS 3Y22.09%
EPS 5Y17.42%
EPS Q2Q%7.5%
Revenue 1Y (TTM)-2.96%
Revenue growth 3Y9.69%
Revenue growth 5Y10.96%
Sales Q2Q%12.54%

3.2 Future

  • The Earnings Per Share is expected to decrease by -1.44% on average over the next years.
  • SVEG is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 18.89% yearly.
EPS Next Y-10.92%
EPS Next 2Y-6.15%
EPS Next 3Y-1.44%
EPS Next 5YN/A
Revenue Next Year44.05%
Revenue Next 2Y27.62%
Revenue Next 3Y18.89%
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.
SVEG.OL Yearly Revenue VS EstimatesSVEG.OL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2B 4B 6B 8B 10B
SVEG.OL Yearly EPS VS EstimatesSVEG.OL Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5 10 15

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5

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 8.51 indicates a reasonable valuation of SVEG.
  • SVEG's Price/Earnings ratio is a bit cheaper when compared to the industry. SVEG is cheaper than 63.54% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.07, SVEG is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 9.55, the valuation of SVEG can be described as reasonable.
  • SVEG's Price/Forward Earnings ratio is in line with the industry average.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.05, SVEG is valued rather cheaply.
Industry RankSector Rank
PE 8.51
Fwd PE 9.55
SVEG.OL Price Earnings VS Forward Price EarningsSVEG.OL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • SVEG's Price/Free Cash Flow ratio is rather cheap when compared to the industry. SVEG is cheaper than 85.42% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.57
EV/EBITDA N/A
SVEG.OL Per share dataSVEG.OL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150 200

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.49
EPS Next 2Y-6.15%
EPS Next 3Y-1.44%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • SVEG has a Yearly Dividend Yield of 6.08%, which is a nice return.
  • SVEG's Dividend Yield is a higher than the industry average which is at 4.33.
  • Compared to an average S&P500 Dividend Yield of 1.82, SVEG pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.08%

5.2 History

  • The dividend of SVEG is nicely growing with an annual growth rate of 42.04%!
Dividend Growth(5Y)42.04%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • 141.25% of the earnings are spent on dividend by SVEG. This is not a sustainable payout ratio.
  • SVEG's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP141.25%
EPS Next 2Y-6.15%
EPS Next 3Y-1.44%
SVEG.OL Yearly Income VS Free CF VS DividendSVEG.OL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B
SVEG.OL Dividend Payout.SVEG.OL Dividend Payout, showing the Payout Ratio.SVEG.OL Dividend Payout.PayoutRetained Earnings

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SPAREBANKEN VEST

OSL:SVEG (4/30/2025, 4:20:02 PM)

141.72

+4.74 (+3.46%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-30
Earnings (Next)08-12
Inst Owners31.58%
Inst Owner ChangeN/A
Ins Owners0.72%
Ins Owner ChangeN/A
Market Cap15.55B
Revenue(TTM)8.13B
Net Income(TTM)1.89B
Analysts80
Price Target155.55 (9.76%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.08%
Yearly Dividend24.37
Dividend Growth(5Y)42.04%
DP141.25%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)6.59%
Min EPS beat(2)-2.61%
Max EPS beat(2)15.78%
EPS beat(4)3
Avg EPS beat(4)5.61%
Min EPS beat(4)-2.61%
Max EPS beat(4)15.78%
EPS beat(8)5
Avg EPS beat(8)4.12%
EPS beat(12)8
Avg EPS beat(12)14.74%
EPS beat(16)12
Avg EPS beat(16)15.37%
Revenue beat(2)1
Avg Revenue beat(2)3.31%
Min Revenue beat(2)-0.05%
Max Revenue beat(2)6.67%
Revenue beat(4)2
Avg Revenue beat(4)1.98%
Min Revenue beat(4)-1.47%
Max Revenue beat(4)6.67%
Revenue beat(8)3
Avg Revenue beat(8)0.36%
Revenue beat(12)7
Avg Revenue beat(12)5.98%
Revenue beat(16)11
Avg Revenue beat(16)18.01%
PT rev (1m)0.33%
PT rev (3m)2.58%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.41%
EPS NY rev (3m)-3.96%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)14.05%
Revenue NY rev (3m)29.11%
Valuation
Industry RankSector Rank
PE 8.51
Fwd PE 9.55
P/S 1.91
P/FCF 3.57
P/OCF 3.51
P/B 0.6
P/tB 0.61
EV/EBITDA N/A
EPS(TTM)16.65
EY11.75%
EPS(NY)14.83
Fwd EY10.47%
FCF(TTM)39.7
FCFY28.01%
OCF(TTM)40.36
OCFY28.48%
SpS74.13
BVpS238.03
TBVpS232.88
PEG (NY)N/A
PEG (5Y)0.49
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 0.56%
ROE 7.25%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.27%
GM N/A
FCFM 53.56%
ROA(3y)0.49%
ROA(5y)0.45%
ROE(3y)6.19%
ROE(5y)5.61%
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 3Y12.59%
PM growth 5Y16.7%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 6.63
Debt/FCF 39.73
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.89%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 230.19%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC5.04%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)1.41%
Cap/Sales(5y)1.57%
Profit Quality(3y)228.55%
Profit Quality(5y)217.4%
High Growth Momentum
Growth
EPS 1Y (TTM)30.49%
EPS 3Y22.09%
EPS 5Y17.42%
EPS Q2Q%7.5%
EPS Next Y-10.92%
EPS Next 2Y-6.15%
EPS Next 3Y-1.44%
EPS Next 5YN/A
Revenue 1Y (TTM)-2.96%
Revenue growth 3Y9.69%
Revenue growth 5Y10.96%
Sales Q2Q%12.54%
Revenue Next Year44.05%
Revenue Next 2Y27.62%
Revenue Next 3Y18.89%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y18.31%
FCF growth 3Y28.27%
FCF growth 5Y61.38%
OCF growth 1Y16.86%
OCF growth 3Y27.09%
OCF growth 5Y18.41%

SPAREBANKEN VEST / SVEG.OL FAQ

What is the fundamental rating for SVEG stock?

ChartMill assigns a fundamental rating of 3 / 10 to SVEG.OL.


What is the valuation status for SVEG stock?

ChartMill assigns a valuation rating of 5 / 10 to SPAREBANKEN VEST (SVEG.OL). This can be considered as Fairly Valued.


What is the profitability of SVEG stock?

SPAREBANKEN VEST (SVEG.OL) has a profitability rating of 3 / 10.


Can you provide the financial health for SVEG stock?

The financial health rating of SPAREBANKEN VEST (SVEG.OL) is 1 / 10.


Is the dividend of SPAREBANKEN VEST sustainable?

The dividend rating of SPAREBANKEN VEST (SVEG.OL) is 6 / 10 and the dividend payout ratio is 141.25%.