VEKSELBANKEN(OSL:VVL) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, VVL scores 4 out of 10 in our fundamental rating. VVL was compared to 97 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. Finally VVL also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

VVL had positive earnings in the past year.

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

Looking at the Return On Assets, with a value of 1.32%, VVL belongs to the top of the industry, outperforming 84.54% of the companies in the same industry.

Looking at the Return On Equity, with a value of 11.06%, VVL is in line with its industry, outperforming 53.61% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.32%
ROE	11.06%
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 better Profit Margin (43.97%) than 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)	43.97%
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.

The number of shares outstanding for VVL remains at a similar level compared to 5 years ago.

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

2.2 Solvency

The Debt to FCF ratio of VVL is 11.34, which is on the high side as it means it would take VVL, 11.34 years of fcf income to pay off all of its debts.

The Debt to FCF ratio of VVL (11.34) is better than 83.51% of its industry peers.

VVL has a Debt/Equity ratio of 1.31. This is a high value indicating a heavy dependency on external financing.

VVL's Debt to Equity ratio of 1.31 is fine compared to the rest of the industry. VVL outperforms 71.13% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.31
Debt/FCF	11.34
Altman-Z	N/A

ROIC/WACCN/A

WACC5.92%

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 strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.77%, which is quite good.

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.

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

The Revenue has been growing by 11.29% on average over the past years. This is quite good.

EPS 1Y (TTM)17.77%

EPS 3Y24.65%

EPS 5Y10.52%

EPS Q2Q%-18.01%

Revenue 1Y (TTM)8.94%

Revenue growth 3Y20.31%

Revenue growth 5Y11.29%

Sales Q2Q%5.16%

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 5.68% on average per year.

The Revenue is expected to decrease by -0.15% on average over the next years.

EPS Next Y4.58%

EPS Next 2Y4.71%

EPS Next 3Y5.68%

EPS Next 5YN/A

Revenue Next Year-6.4%

Revenue Next 2Y-3.16%

Revenue Next 3Y-0.15%

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

A Price/Earnings ratio of 9.35 indicates a reasonable valuation of VVL.

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

VVL is valuated cheaply when we compare the Price/Earnings ratio to 28.22, which is the current average of the S&P500 Index.

The Price/Forward Earnings ratio is 8.95, which indicates a very decent valuation of VVL.

63.92% of the companies in the same industry are more expensive than VVL, based on the Price/Forward Earnings ratio.

VVL's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 20.86.

		Industry Rank	Sector Rank
PE	9.35
Fwd PE	8.95

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, VVL is valued a bit cheaper than 76.29% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	9.03
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.

PEG (NY)2.04

PEG (5Y)0.89

EPS Next 2Y4.71%

EPS Next 3Y5.68%

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5. Dividend

5.1 Amount

VVL has a Yearly Dividend Yield of 4.63%, which is a nice return.

VVL's Dividend Yield is comparable with the industry average which is at 5.42.

VVL's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.

		Industry Rank	Sector Rank
Dividend Yield	4.63%

5.2 History

The dividend of VVL is nicely growing with an annual growth rate of 15.20%!

Dividend Growth(5Y)15.2%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

VVL pays out 36.38% 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.

DP36.38%

EPS Next 2Y4.71%

EPS Next 3Y5.68%

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VEKSELBANKEN

OSL:VVL (5/2/2025, 7:00:00 PM)

364

+8 (+2.25%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-12 2025-02-12/bmo

Earnings (Next)N/A N/A

Inst Owners10.67%

Inst Owner ChangeN/A

Ins Owners4.74%

Ins Owner ChangeN/A

Market Cap808.08M

Analysts80

Price Target373.32 (2.56%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.63%

Yearly Dividend14.16

Dividend Growth(5Y)15.2%

DP36.38%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)0.63%

Min EPS beat(2)-19.66%

Max EPS beat(2)20.92%

EPS beat(4)2

Avg EPS beat(4)0.94%

Min EPS beat(4)-19.66%

Max EPS beat(4)20.92%

EPS beat(8)4

Avg EPS beat(8)0.61%

EPS beat(12)7

Avg EPS beat(12)-0.28%

EPS beat(16)9

Avg EPS beat(16)-0.08%

Revenue beat(2)0

Avg Revenue beat(2)-12.29%

Min Revenue beat(2)-13.25%

Max Revenue beat(2)-11.33%

Revenue beat(4)0

Avg Revenue beat(4)-14.03%

Min Revenue beat(4)-16.9%

Max Revenue beat(4)-11.33%

Revenue beat(8)3

Avg Revenue beat(8)-2.63%

Revenue beat(12)6

Avg Revenue beat(12)1.48%

Revenue beat(16)9

Avg Revenue beat(16)2.22%

PT rev (1m)3.39%

PT rev (3m)20.39%

EPS NQ rev (1m)0%

EPS NQ rev (3m)N/A

EPS NY rev (1m)0%

EPS NY rev (3m)2.78%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)-10%

Revenue NY rev (3m)-6.99%

Valuation

		Industry Rank	Sector Rank
PE	9.35
Fwd PE	8.95
P/S	4.14
P/FCF	9.03
P/OCF	8.66
P/B	1.04
P/tB	1.04
EV/EBITDA	N/A

EPS(TTM)38.91

EY10.69%

EPS(NY)40.69

Fwd EY11.18%

FCF(TTM)40.3

FCFY11.07%

OCF(TTM)42.04

OCFY11.55%

SpS87.84

BVpS349.39

TBVpS349.39

PEG (NY)2.04

PEG (5Y)0.89

Profitability

		Industry Rank	Sector Rank
ROA	1.32%
ROE	11.06%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	43.97%
GM	N/A
FCFM	45.88%

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-Score8

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	1.31
Debt/FCF	11.34
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	1.98%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	104.33%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACC5.92%

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)17.77%

EPS 3Y24.65%

EPS 5Y10.52%

EPS Q2Q%-18.01%

EPS Next Y4.58%

EPS Next 2Y4.71%

EPS Next 3Y5.68%

EPS Next 5YN/A

Revenue 1Y (TTM)8.94%

Revenue growth 3Y20.31%

Revenue growth 5Y11.29%

Sales Q2Q%5.16%

Revenue Next Year-6.4%

Revenue Next 2Y-3.16%

Revenue Next 3Y-0.15%

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-48.05%

FCF growth 3YN/A

FCF growth 5Y24.51%

OCF growth 1Y-46.22%

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