VEKSELBANKEN (VVL.OL) Stock Fundamental Analysis
Europe - OSL:VVL - NO0003025009 - Common Stock
378 NOK
+2 (+0.53%)
VVL gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 99 industry peers in the Banks industry. There are concerns on the financial health of VVL while its profitability can be described as average. VVL has a correct valuation and a medium 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.
Of the past 5 years VVL 4 years had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.31%, VVL belongs to the top of the industry, outperforming 85.86% of the companies in the same industry.
The Return On Equity of VVL (11.13%) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.31% | ||
| ROE | 11.13% | ||
| 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
The Profit Margin of VVL (43.45%) is better than 94.95% 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) | 43.45% | ||
| 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.
Compared to 1 year ago, VVL has about the same amount of shares outstanding.
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 3.47, which is a good value as it means it would take VVL, 3.47 years of fcf income to pay off all of its debts.
VVL has a better Debt to FCF ratio (3.47) than 91.92% of its industry peers.
VVL has a Debt/Equity ratio of 1.29. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of VVL (1.29) is better than 69.70% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.29 | ||
| Debt/FCF | 3.47 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.93%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 3.70% over the past 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.
Looking at the last year, VVL shows a small growth in Revenue. The Revenue has grown by 5.15% 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)3.7%
EPS 3Y24.65%
EPS 5Y10.52%
EPS Q2Q%13.76%
Revenue 1Y (TTM)5.15%
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.
Based on estimates for the next years, VVL will show a small growth in Revenue. The Revenue will grow by 5.58% on average per year.
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
VVL is valuated reasonably with a Price/Earnings ratio of 9.49.
Based on the Price/Earnings ratio, VVL is valued a bit cheaper than the industry average as 65.66% of the companies are valued more expensively.
VVL's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.91.
With a Price/Forward Earnings ratio of 9.67, the valuation of VVL can be described as very reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as VVL.
When comparing the Price/Forward Earnings ratio of VVL to the average of the S&P500 Index (22.92), we can say VVL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.49 | ||
| Fwd PE | 9.67 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of VVL indicates a rather cheap valuation: VVL is cheaper than 89.90% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.87 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.9
EPS Next 2Y0.23%
EPS Next 3Y3.55%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.39%, VVL is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.79, 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 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.39% |
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
41.53% 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.
DP41.53%
EPS Next 2Y0.23%
EPS Next 3Y3.55%
OSL:VVL (10/24/2025, 7:00:00 PM)
378
+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 Cap839.16M
Revenue(TTM)202.18M
Net Income(TTM)87.84M
Analysts80
Price Target404.94 (7.13%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.39% |
Yearly Dividend14.16
Dividend Growth(5Y)15.2%
DP41.53%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-7.76%
Min EPS beat(2)-15.22%
Max EPS beat(2)-0.29%
EPS beat(4)1
Avg EPS beat(4)-3.56%
Min EPS beat(4)-19.66%
Max EPS beat(4)20.92%
EPS beat(8)4
Avg EPS beat(8)2.03%
EPS beat(12)6
Avg EPS beat(12)-0.39%
EPS beat(16)8
Avg EPS beat(16)-1.53%
Revenue beat(2)0
Avg Revenue beat(2)-19.68%
Min Revenue beat(2)-23.96%
Max Revenue beat(2)-15.4%
Revenue beat(4)0
Avg Revenue beat(4)-15.99%
Min Revenue beat(4)-23.96%
Max Revenue beat(4)-11.33%
Revenue beat(8)1
Avg Revenue beat(8)-11.08%
Revenue beat(12)5
Avg Revenue beat(12)-2.62%
Revenue beat(16)7
Avg Revenue beat(16)-1.25%
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)-8.79%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-7.89%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.49 | ||
| Fwd PE | 9.67 | ||
| P/S | 4.15 | ||
| P/FCF | 2.87 | ||
| P/OCF | 2.82 | ||
| P/B | 1.06 | ||
| P/tB | 1.06 | ||
| EV/EBITDA | N/A |
EPS(TTM)39.85
EY10.54%
EPS(NY)39.09
Fwd EY10.34%
FCF(TTM)131.71
FCFY34.84%
OCF(TTM)133.99
OCFY35.45%
SpS91.07
BVpS355.64
TBVpS355.64
PEG (NY)N/A
PEG (5Y)0.9
Graham Number564.69
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.31% | ||
| ROE | 11.13% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 43.45% | ||
| GM | N/A | ||
| FCFM | 144.63% |
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 | 1.29 | ||
| Debt/FCF | 3.47 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 2.5% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 332.88% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC5.93%
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)5.15%
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 1Y196.02%
FCF growth 3YN/A
FCF growth 5Y24.51%
OCF growth 1Y197.61%
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 9.49 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.