VEKSELBANKEN (VVL.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:VVL - NO0003025009 - Common Stock
382 NOK
+2 (+0.53%)
Taking everything into account, VVL scores 4 out of 10 in our fundamental rating. VVL was compared to 113 industry peers in the Banks industry. There are concerns on the financial health of VVL while its profitability can be described as average. VVL is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year VVL was profitable.
VVL had a positive operating cash flow in the past year.
VVL had positive earnings in each of the past 5 years.
VVL had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
VVL has a better Return On Assets (1.22%) than 80.53% of its industry peers.
VVL has a Return On Equity (10.22%) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.22% | ||
| ROE | 10.22% | ||
| 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 has a Profit Margin of 41.39%. This is amongst the best in the industry. VVL outperforms 93.81% of its industry peers.
VVL's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for VVL so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 41.39% | ||
| 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
2. Health
2.1 Basic Checks
VVL does not have a ROIC to compare to the WACC, probably because it is not profitable.
VVL has about the same amout of shares outstanding than it did 1 year ago.
VVL has about the same amout of shares outstanding than it did 5 years ago.
Compared to 1 year ago, VVL has an improved debt to assets ratio.
2.2 Solvency
VVL has a debt to FCF ratio of 6.20. This is a slightly negative value and a sign of low solvency as VVL would need 6.20 years to pay back of all of its debts.
VVL's Debt to FCF ratio of 6.20 is amongst the best of the industry. VVL outperforms 85.84% of its industry peers.
VVL has a Debt/Equity ratio of 1.21. This is a high value indicating a heavy dependency on external financing.
VVL has a Debt to Equity ratio of 1.21. This is in the better half of the industry: VVL outperforms 69.91% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.21 | ||
| Debt/FCF | 6.2 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.94%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for VVL have decreased by -8.18% in the last year.
Measured over the past years, VVL shows a quite strong growth in Earnings Per Share. The EPS has been growing by 10.52% on average per year.
The Revenue has been growing slightly by 2.55% in the past year.
VVL shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.29% yearly.
EPS 1Y (TTM)-8.18%
EPS 3Y24.65%
EPS 5Y10.52%
EPS Q2Q%-21.16%
Revenue 1Y (TTM)2.55%
Revenue growth 3Y20.31%
Revenue growth 5Y11.29%
Sales Q2Q%0.48%
3.2 Future
The Earnings Per Share is expected to grow by 3.55% on average over the next years.
The Revenue is expected to grow by 5.58% on average over the next years.
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 10.15, which indicates a very decent valuation of VVL.
Compared to the rest of the industry, the Price/Earnings ratio of VVL indicates a somewhat cheap valuation: VVL is cheaper than 62.83% of the companies listed in the same industry.
VVL's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.28.
With a Price/Forward Earnings ratio of 9.77, the valuation of VVL can be described as very reasonable.
Based on the Price/Forward Earnings ratio, VVL is valued a bit cheaper than 67.26% of the companies in the same industry.
VVL's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.52.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.15 | ||
| Fwd PE | 9.77 |
4.2 Price Multiples
82.30% of the companies in the same industry are more expensive than VVL, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.33 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.97
EPS Next 2Y0.23%
EPS Next 3Y3.55%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.34%, VVL is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.84, VVL has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.31, 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
44.00% of the earnings are spent on dividend by VVL. This is a bit on the high side, but may be sustainable.
VVL's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP44%
EPS Next 2Y0.23%
EPS Next 3Y3.55%
OSL:VVL (12/8/2025, 7:00:00 PM)
382
+2 (+0.53%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners8.11%
Inst Owner ChangeN/A
Ins Owners3.8%
Ins Owner ChangeN/A
Market Cap848.04M
Revenue(TTM)200.35M
Net Income(TTM)82.93M
Analysts80
Price Target404.94 (6.01%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.34% |
Yearly Dividend14.16
Dividend Growth(5Y)15.2%
DP44%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-0.64%
Min EPS beat(2)-0.99%
Max EPS beat(2)-0.29%
EPS beat(4)0
Avg EPS beat(4)-9.04%
Min EPS beat(4)-19.66%
Max EPS beat(4)-0.29%
EPS beat(8)3
Avg EPS beat(8)1.13%
EPS beat(12)5
Avg EPS beat(12)-0.85%
EPS beat(16)8
Avg EPS beat(16)-1.16%
Revenue beat(2)0
Avg Revenue beat(2)-16.41%
Min Revenue beat(2)-17.42%
Max Revenue beat(2)-15.4%
Revenue beat(4)0
Avg Revenue beat(4)-17.03%
Min Revenue beat(4)-23.96%
Max Revenue beat(4)-11.33%
Revenue beat(8)0
Avg Revenue beat(8)-16.32%
Revenue beat(12)4
Avg Revenue beat(12)-4.31%
Revenue beat(16)6
Avg Revenue beat(16)-2.46%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.15 | ||
| Fwd PE | 9.77 | ||
| P/S | 4.23 | ||
| P/FCF | 5.33 | ||
| P/OCF | 5.04 | ||
| P/B | 1.04 | ||
| P/tB | 1.04 | ||
| EV/EBITDA | N/A |
EPS(TTM)37.62
EY9.85%
EPS(NY)39.09
Fwd EY10.23%
FCF(TTM)71.63
FCFY18.75%
OCF(TTM)75.76
OCFY19.83%
SpS90.25
BVpS365.56
TBVpS365.56
PEG (NY)N/A
PEG (5Y)0.97
Graham Number556.27
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.22% | ||
| ROE | 10.22% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 41.39% | ||
| GM | N/A | ||
| FCFM | 79.37% |
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
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 3Y4.59%
PM growth 5Y1.42%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.21 | ||
| Debt/FCF | 6.2 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 4.58% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 191.76% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC5.94%
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)-8.18%
EPS 3Y24.65%
EPS 5Y10.52%
EPS Q2Q%-21.16%
EPS Next Y-4.61%
EPS Next 2Y0.23%
EPS Next 3Y3.55%
EPS Next 5YN/A
Revenue 1Y (TTM)2.55%
Revenue growth 3Y20.31%
Revenue growth 5Y11.29%
Sales Q2Q%0.48%
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 1Y81.04%
FCF growth 3YN/A
FCF growth 5Y24.51%
OCF growth 1Y89.41%
OCF growth 3YN/A
OCF growth 5Y23.56%
VEKSELBANKEN / VVL.OL FAQ
Can you provide the ChartMill fundamental rating for VEKSELBANKEN?
ChartMill assigns a fundamental rating of 4 / 10 to VVL.OL.
Can you provide the valuation status for VEKSELBANKEN?
ChartMill assigns a valuation rating of 5 / 10 to VEKSELBANKEN (VVL.OL). This can be considered as Fairly Valued.
Can you provide the profitability details for VEKSELBANKEN?
VEKSELBANKEN (VVL.OL) has a profitability rating of 4 / 10.
Can you provide the PE and PB ratios for VVL stock?
The Price/Earnings (PE) ratio for VEKSELBANKEN (VVL.OL) is 10.15 and the Price/Book (PB) ratio is 1.04.
What is the expected EPS growth for VEKSELBANKEN (VVL.OL) stock?
The Earnings per Share (EPS) of VEKSELBANKEN (VVL.OL) is expected to decline by -4.61% in the next year.