VVL Fundamental Analysis - VEKSELBANKEN

Fundamental Rating

VVL gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 91 industry peers in the Banks industry. VVL has a medium profitability rating, but doesn't score so well on its financial health evaluation. VVL has a decent growth rate and is not valued too expensively.

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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.

In the past 5 years VVL has always been profitable.

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

1.2 Ratios

The Return On Assets of VVL (1.30%) is better than 82.42% of its industry peers.

VVL has a Return On Equity (10.64%) which is in line with 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 94.51% of its industry peers.

VVL's Profit Margin has been stable in the last couple of years.

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.

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.

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 better Debt to FCF ratio (14.07) than 85.71% 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.

Looking at the Debt to Equity ratio, with a value of 1.27, VVL is in the better half of the industry, outperforming 69.23% of the companies in the same industry.

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

ROIC/WACCN/A

WACC6.01%

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

The Earnings Per Share has been growing slightly by 6.27% over the past year.

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

VVL shows a small growth in Revenue. In the last year, the Revenue has grown by 6.17%.

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)6.27%

EPS 3Y24.65%

EPS 5Y10.52%

EPS Q2Q%-4.91%

Revenue 1Y (TTM)6.17%

Revenue growth 3Y20.31%

Revenue growth 5Y11.29%

Sales Q2Q%-0.41%

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.

Based on estimates for the next years, VVL will show a small growth in Revenue. The Revenue will grow by 6.00% on average per year.

EPS Next Y4.58%

EPS Next 2Y4.71%

EPS Next 3Y5.68%

EPS Next 5YN/A

Revenue Next Year14.08%

Revenue Next 2Y6.39%

Revenue Next 3Y6%

Revenue Next 5YN/A

3.3 Evolution

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

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

With a Price/Earnings ratio of 10.19, the valuation of VVL can be described as very reasonable.

VVL's Price/Earnings ratio is in line with the industry average.

VVL's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.51.

Based on the Price/Forward Earnings ratio of 9.19, the valuation of VVL can be described as reasonable.

61.54% of the companies in the same industry are more expensive than VVL, based on the Price/Forward Earnings ratio.

When comparing the Price/Forward Earnings ratio of VVL to the average of the S&P500 Index (35.58), we can say VVL is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.19
Fwd PE	9.19

4.2 Price Multiples

79.12% 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	12.07
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)2.22

PEG (5Y)0.97

EPS Next 2Y4.71%

EPS Next 3Y5.68%

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5. Dividend

5.1 Amount

VVL has a Yearly Dividend Yield of 4.30%, which is a nice return.

VVL's Dividend Yield is slightly below the industry average, which is at 5.19.

VVL's Dividend Yield is rather good when compared to the S&P500 average which is at 2.35.

		Industry Rank	Sector Rank
Dividend Yield	4.3%

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

VVL's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP36.79%

EPS Next 2Y4.71%

EPS Next 3Y5.68%

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VEKSELBANKEN

OSL:VVL (7/14/2025, 7:00:00 PM)

392

+8 (+2.08%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)05-14 2025-05-14/bmo

Earnings (Next)N/A N/A

Inst Owners8.56%

Inst Owner ChangeN/A

Ins Owners4.08%

Ins Owner ChangeN/A

Market Cap870.24M

Analysts80

Price Target404.94 (3.3%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.3%

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)8.47%

EPS NQ rev (1m)-3.41%

EPS NQ rev (3m)-2.5%

EPS NY rev (1m)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)-8.78%

Revenue NQ rev (3m)9.76%

Revenue NY rev (1m)0%

Revenue NY rev (3m)9.7%

Valuation

		Industry Rank	Sector Rank
PE	10.19
Fwd PE	9.19
P/S	4.42
P/FCF	12.07
P/OCF	11.37
P/B	1.09
P/tB	1.09
EV/EBITDA	N/A

EPS(TTM)38.47

EY9.81%

EPS(NY)42.66

Fwd EY10.88%

FCF(TTM)32.47

FCFY8.28%

OCF(TTM)34.49

OCFY8.8%

SpS88.74

BVpS359.04

TBVpS359.04

PEG (NY)2.22

PEG (5Y)0.97

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

WACC6.01%

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)6.27%

EPS 3Y24.65%

EPS 5Y10.52%

EPS Q2Q%-4.91%

EPS Next Y4.58%

EPS Next 2Y4.71%

EPS Next 3Y5.68%

EPS Next 5YN/A

Revenue 1Y (TTM)6.17%

Revenue growth 3Y20.31%

Revenue growth 5Y11.29%

Sales Q2Q%-0.41%

Revenue Next Year14.08%

Revenue Next 2Y6.39%

Revenue Next 3Y6%

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