SVEG Fundamental Analysis - SPAREBANKEN VEST

Fundamental Rating

SVEG gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 102 industry peers in the Banks industry. Both the profitability and financial health of SVEG have multiple concerns. SVEG has a correct valuation and a medium growth rate.

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1. Profitability

1.1 Basic Checks

SVEG had positive earnings in the past year.

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

In the past 5 years SVEG has always been profitable.

SVEG had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

SVEG has a Return On Assets (0.56%) which is in line with its industry peers.

Looking at the Return On Equity, with a value of 7.25%, SVEG is doing worse than 63.54% of the companies in the same industry.

		Industry Rank	Sector 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

1.3 Margins

With a decent Profit Margin value of 23.27%, SVEG is doing good in the industry, outperforming 60.42% of the companies in the same industry.

SVEG's Profit Margin has improved in the last couple of years.

SVEG 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)	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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

SVEG does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, SVEG has about the same amount of shares outstanding.

SVEG has more shares outstanding than it did 5 years ago.

The debt/assets ratio for SVEG is higher compared to a year ago.

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.

Looking at the Debt to FCF ratio, with a value of 39.73, SVEG is in the better half of the industry, outperforming 75.00% of the companies in the same industry.

SVEG has a Debt/Equity ratio of 6.63. This is a high value indicating a heavy dependency on external financing.

SVEG has a Debt to Equity ratio of 6.63. This is amonst the worse of the industry: SVEG underperforms 88.54% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	6.63
Debt/FCF	39.73
Altman-Z	N/A

ROIC/WACCN/A

WACC5.04%

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

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.

SVEG shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 17.42% yearly.

The Revenue has decreased by -2.96% in the past 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

SVEG is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -1.44% yearly.

The Revenue is expected to grow by 18.89% on average over the next years. This is quite good.

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

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

Based on the Price/Earnings ratio of 8.51, the valuation of SVEG can be described as reasonable.

Compared to the rest of the industry, the Price/Earnings ratio of SVEG indicates a somewhat cheap valuation: SVEG is cheaper than 63.54% of the companies listed in the same industry.

SVEG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.51.

A Price/Forward Earnings ratio of 9.55 indicates a reasonable valuation of SVEG.

The rest of the industry has a similar Price/Forward Earnings ratio as SVEG.

Compared to an average S&P500 Price/Forward Earnings ratio of 23.13, SVEG is valued rather cheaply.

		Industry Rank	Sector Rank
PE	8.51
Fwd PE	9.55

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, SVEG is valued cheaply inside the industry as 85.42% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	3.57
EV/EBITDA	N/A

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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5. Dividend

5.1 Amount

SVEG has a Yearly Dividend Yield of 6.08%, which is a nice return.

Compared to an average industry Dividend Yield of 4.31, SVEG pays a bit more dividend than its industry peers.

SVEG's Dividend Yield is rather good when compared to the S&P500 average which is at 2.00.

		Industry Rank	Sector Rank
Dividend Yield	6.08%

5.2 History

On average, the dividend of SVEG grows each year by 42.04%, which is quite nice.

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%

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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 2025-04-30

Earnings (Next)08-12 2025-08-12

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 Rank	Sector 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 Rank	Sector 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 Rank	Sector 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 Rank	Sector 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%.

SPAREBANKEN VEST (SVEG.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

SPAREBANKEN VEST / SVEG.OL FAQ

What is the fundamental rating for SVEG stock?

What is the valuation status for SVEG stock?

What is the profitability of SVEG stock?

Can you provide the financial health for SVEG stock?

Is the dividend of SPAREBANKEN VEST sustainable?