VEKSELBANKEN (VVL.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:VVL - NO0003025009 - Common Stock
386 NOK
-2 (-0.52%)
Overall VVL gets a fundamental rating of 4 out of 10. We evaluated VVL against 114 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.
1. Profitability
1.1 Basic Checks
In the past year VVL was profitable.
In the past year VVL had a positive cash flow from operations.
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
VVL has a Return On Assets of 1.22%. This is in the better half of the industry: VVL outperforms 77.19% of its industry peers.
VVL's Return On Equity of 10.22% is in line compared to the rest of the industry. VVL outperforms 45.61% of its industry peers.
| 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
Looking at the Profit Margin, with a value of 41.39%, VVL belongs to the top of the industry, outperforming 92.98% of the companies in the same industry.
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) | 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.
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.
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 has a Debt to FCF ratio of 6.20. This is amongst the best in the industry. VVL outperforms 85.09% of its industry peers.
A Debt/Equity ratio of 1.21 is on the high side and indicates that VVL has dependencies on debt financing.
With a decent Debt to Equity ratio value of 1.21, VVL is doing good in the industry, outperforming 68.42% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.21 | ||
| Debt/FCF | 6.2 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.14%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
VVL shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -8.18%.
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
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 10.26, which indicates a very decent valuation of VVL.
VVL's Price/Earnings ratio is a bit cheaper when compared to the industry. VVL is cheaper than 71.05% of the companies in the same industry.
VVL is valuated cheaply when we compare the Price/Earnings ratio to 26.59, which is the current average of the S&P500 Index.
VVL is valuated reasonably with a Price/Forward Earnings ratio of 9.88.
Based on the Price/Forward Earnings ratio, VVL is valued cheaper than 81.58% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 24.03, VVL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.26 | ||
| Fwd PE | 9.88 |
4.2 Price Multiples
85.96% 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 | 5.39 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.98
EPS Next 2Y0.23%
EPS Next 3Y3.55%
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 4.12, VVL has a dividend in line with its industry peers.
VVL's Dividend Yield is rather good when compared to the S&P500 average which is at 1.88.
| 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.
The dividend of VVL is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP44%
EPS Next 2Y0.23%
EPS Next 3Y3.55%
OSL:VVL (12/23/2025, 7:00:00 PM)
386
-2 (-0.52%)
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 Cap856.92M
Revenue(TTM)200.35M
Net Income(TTM)82.93M
Analysts80
Price TargetN/A
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 | 10.26 | ||
| Fwd PE | 9.88 | ||
| P/S | 4.28 | ||
| P/FCF | 5.39 | ||
| P/OCF | 5.09 | ||
| P/B | 1.06 | ||
| P/tB | 1.06 | ||
| EV/EBITDA | N/A |
EPS(TTM)37.62
EY9.75%
EPS(NY)39.09
Fwd EY10.13%
FCF(TTM)71.63
FCFY18.56%
OCF(TTM)75.76
OCFY19.63%
SpS90.25
BVpS365.56
TBVpS365.56
PEG (NY)N/A
PEG (5Y)0.98
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
WACC6.14%
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 6 / 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 10.26 and the Price/Book (PB) ratio is 1.06.
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.