VVL Fundamental Analysis - VEKSELBANKEN

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to VVL. VVL was compared to 97 industry peers in the Banks industry. While VVL is still in line with the averages on profitability rating, there are concerns on its financial health. VVL is not valued too expensively and it also shows a decent growth rate. Finally VVL also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year VVL was profitable.

VVL had a positive operating cash flow in the past year.

Each year in the past 5 years VVL has been profitable.

VVL had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

With an excellent Return On Assets value of 1.30%, VVL belongs to the best of the industry, outperforming 86.60% of the companies in the same industry.

VVL's Return On Equity of 10.64% is in line compared to the rest of the industry. VVL outperforms 54.64% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.3%
ROE	10.64%
ROIC	N/A

ROA(3y)1.12%

ROA(5y)0.94%

ROE(3y)9.54%

ROE(5y)8.22%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

VVL's Profit Margin of 43.04% is amongst the best of the industry. VVL outperforms 95.88% of its industry peers.

In the last couple of years the Profit Margin of VVL has remained more or less at the same level.

VVL 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)	43.04%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y4.59%

PM growth 5Y1.42%

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

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

The number of shares outstanding for VVL remains at a similar level compared to 1 year ago.

Compared to 5 years ago, VVL has about the same amount of shares outstanding.

VVL has a better debt/assets ratio than last year.

2.2 Solvency

The Debt to FCF ratio of VVL is 14.07, which is on the high side as it means it would take VVL, 14.07 years of fcf income to pay off all of its debts.

VVL has a Debt to FCF ratio of 14.07. This is in the better half of the industry: VVL outperforms 79.38% of its industry peers.

VVL has a Debt/Equity ratio of 1.27. This is a high value indicating a heavy dependency on external financing.

The Debt to Equity ratio of VVL (1.27) is better than 68.04% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.27
Debt/FCF	14.07
Altman-Z	N/A

ROIC/WACCN/A

WACC5.9%

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

VVL shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.70%.

VVL shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.52% yearly.

Looking at the last year, VVL shows a quite strong growth in Revenue. The Revenue has grown by 8.94% in the last year.

Measured over the past years, VVL shows a quite strong growth in Revenue. The Revenue has been growing by 11.29% on average per year.

EPS 1Y (TTM)3.7%

EPS 3Y24.65%

EPS 5Y10.52%

EPS Q2Q%13.76%

Revenue 1Y (TTM)8.94%

Revenue growth 3Y20.31%

Revenue growth 5Y11.29%

Sales Q2Q%1.6%

3.2 Future

Based on estimates for the next years, VVL will show a small growth in Earnings Per Share. The EPS will grow by 3.55% on average per year.

VVL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.58% yearly.

EPS Next Y-4.61%

EPS Next 2Y0.23%

EPS Next 3Y3.55%

EPS Next 5YN/A

Revenue Next Year5.07%

Revenue Next 2Y5.25%

Revenue Next 3Y5.58%

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.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

VVL is valuated reasonably with a Price/Earnings ratio of 9.34.

Based on the Price/Earnings ratio, VVL is valued a bit cheaper than 62.89% of the companies in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 27.67, VVL is valued rather cheaply.

Based on the Price/Forward Earnings ratio of 9.52, the valuation of VVL can be described as reasonable.

Based on the Price/Forward Earnings ratio, VVL is valued a bit cheaper than the industry average as 61.86% of the companies are valued more expensively.

The average S&P500 Price/Forward Earnings ratio is at 23.13. VVL is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	9.34
Fwd PE	9.52

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, VVL is valued a bit cheaper than the industry average as 71.13% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	11.46
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.89

EPS Next 2Y0.23%

EPS Next 3Y3.55%

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5. Dividend

5.1 Amount

VVL has a Yearly Dividend Yield of 4.34%, which is a nice return.

Compared to an average industry Dividend Yield of 5.02, VVL has a dividend in line with its industry peers.

Compared to an average S&P500 Dividend Yield of 2.41, VVL pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.34%

5.2 History

On average, the dividend of VVL grows each year by 15.20%, which is quite nice.

Dividend Growth(5Y)15.2%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

VVL pays out 36.79% of its income as dividend. This is a sustainable payout ratio.

The dividend of VVL is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP36.79%

EPS Next 2Y0.23%

EPS Next 3Y3.55%

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VEKSELBANKEN

OSL:VVL (9/29/2025, 7:00:00 PM)

372

+2 (+0.54%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)08-13 2025-08-13/bmo

Earnings (Next)N/A N/A

Inst Owners8.11%

Inst Owner ChangeN/A

Ins Owners3.8%

Ins Owner ChangeN/A

Market Cap825.84M

Analysts80

Price Target404.94 (8.85%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.34%

Yearly Dividend14.16

Dividend Growth(5Y)15.2%

DP36.79%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-17.44%

Min EPS beat(2)-19.66%

Max EPS beat(2)-15.22%

EPS beat(4)1

Avg EPS beat(4)-5.52%

Min EPS beat(4)-19.66%

Max EPS beat(4)20.92%

EPS beat(8)4

Avg EPS beat(8)-0.06%

EPS beat(12)7

Avg EPS beat(12)0.44%

EPS beat(16)8

Avg EPS beat(16)-1.79%

Revenue beat(2)0

Avg Revenue beat(2)-17.65%

Min Revenue beat(2)-23.96%

Max Revenue beat(2)-11.33%

Revenue beat(4)0

Avg Revenue beat(4)-15.79%

Min Revenue beat(4)-23.96%

Max Revenue beat(4)-11.33%

Revenue beat(8)2

Avg Revenue beat(8)-6.9%

Revenue beat(12)6

Avg Revenue beat(12)-0.24%

Revenue beat(16)8

Avg Revenue beat(16)0.22%

PT rev (1m)0%

PT rev (3m)0%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-3.41%

EPS NY rev (1m)0%

EPS NY rev (3m)-8.79%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-8.78%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-7.89%

Valuation

		Industry Rank	Sector Rank
PE	9.34
Fwd PE	9.52
P/S	4.19
P/FCF	11.46
P/OCF	10.79
P/B	1.04
P/tB	1.04
EV/EBITDA	N/A

EPS(TTM)39.85

EY10.71%

EPS(NY)39.09

Fwd EY10.51%

FCF(TTM)32.47

FCFY8.73%

OCF(TTM)34.49

OCFY9.27%

SpS88.74

BVpS359.04

TBVpS359.04

PEG (NY)N/A

PEG (5Y)0.89

Profitability

		Industry Rank	Sector Rank
ROA	1.3%
ROE	10.64%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	43.04%
GM	N/A
FCFM	36.59%

ROA(3y)1.12%

ROA(5y)0.94%

ROE(3y)9.54%

ROE(5y)8.22%

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 3Y4.59%

PM growth 5Y1.42%

GM growth 3YN/A

GM growth 5YN/A

F-Score7

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	1.27
Debt/FCF	14.07
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	2.28%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	85.02%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

WACC5.9%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)1.12%

Cap/Sales(5y)0.69%

Profit Quality(3y)192.93%

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)3.7%

EPS 3Y24.65%

EPS 5Y10.52%

EPS Q2Q%13.76%

EPS Next Y-4.61%

EPS Next 2Y0.23%

EPS Next 3Y3.55%

EPS Next 5YN/A

Revenue 1Y (TTM)8.94%

Revenue growth 3Y20.31%

Revenue growth 5Y11.29%

Sales Q2Q%1.6%

Revenue Next Year5.07%

Revenue Next 2Y5.25%

Revenue Next 3Y5.58%

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 1Y-40.8%

FCF growth 3YN/A

FCF growth 5Y24.51%

OCF growth 1Y-37.69%

OCF growth 3YN/A

OCF growth 5Y23.56%

VEKSELBANKEN (VVL.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