VEKSELBANKEN (VVL.OL) Fundamental Analysis & Valuation

OSL:VVL • NO0003025009

Current stock price

428 NOK
-2 (-0.47%)
Last:

This VVL.OL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. VVL.OL Profitability Analysis

1.1 Basic Checks

  • In the past year VVL was profitable.
  • In the past year VVL had a positive cash flow from operations.
  • 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.
VVL.OL Yearly Net Income VS EBIT VS OCF VS FCFVVL.OL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -200M -400M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.20%, VVL is in the better half of the industry, outperforming 78.18% of the companies in the same industry.
  • VVL's Return On Equity of 10.02% is in line compared to the rest of the industry. VVL outperforms 48.18% of its industry peers.
Industry RankSector Rank
ROA 1.2%
ROE 10.02%
ROIC N/A
ROA(3y)1.23%
ROA(5y)1.06%
ROE(3y)10.38%
ROE(5y)9.11%
ROIC(3y)N/A
ROIC(5y)N/A
VVL.OL Yearly ROA, ROE, ROICVVL.OL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • VVL has a Profit Margin of 41.90%. This is amongst the best in the industry. VVL outperforms 90.00% of its industry peers.
  • In the last couple of years the Profit Margin of VVL has grown nicely.
  • The Operating Margin and Gross Margin are not available for VVL so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 41.9%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y2.63%
PM growth 5Y6.5%
GM growth 3YN/A
GM growth 5YN/A
VVL.OL Yearly Profit, Operating, Gross MarginsVVL.OL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

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2

2. VVL.OL Health Analysis

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.
  • The debt/assets ratio for VVL has been reduced compared to a year ago.
VVL.OL Yearly Shares OutstandingVVL.OL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500K 1M 1.5M 2M
VVL.OL Yearly Total Debt VS Total AssetsVVL.OL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

2.2 Solvency

  • The Debt to FCF ratio of VVL is 79.82, which is on the high side as it means it would take VVL, 79.82 years of fcf income to pay off all of its debts.
  • VVL has a Debt to FCF ratio (79.82) which is comparable to the rest of the industry.
  • VVL has a Debt/Equity ratio of 1.29. This is a high value indicating a heavy dependency on external financing.
  • VVL has a Debt to Equity ratio of 1.29. This is comparable to the rest of the industry: VVL outperforms 58.18% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.29
Debt/FCF 79.82
Altman-Z N/A
ROIC/WACCN/A
WACC6.09%
VVL.OL Yearly LT Debt VS Equity VS FCFVVL.OL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
VVL.OL Yearly Current Assets VS Current LiabilitesVVL.OL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

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5

3. VVL.OL Growth Analysis

3.1 Past

  • VVL shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -1.82%.
  • Measured over the past years, VVL shows a very strong growth in Earnings Per Share. The EPS has been growing by 20.59% on average per year.
  • Looking at the last year, VVL shows a small growth in Revenue. The Revenue has grown by 3.04% in the last year.
  • VVL shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 13.03% yearly.
EPS 1Y (TTM)-1.82%
EPS 3Y17.41%
EPS 5Y20.59%
EPS Q2Q%6.18%
Revenue 1Y (TTM)3.04%
Revenue growth 3Y14.4%
Revenue growth 5Y13.03%
Sales Q2Q%29.14%

3.2 Future

  • Based on estimates for the next years, VVL will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.03% on average per year.
  • VVL is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.31% yearly.
EPS Next Y3.88%
EPS Next 2Y8.03%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year9.18%
Revenue Next 2Y8.31%
Revenue Next 3YN/A
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.
VVL.OL Yearly Revenue VS EstimatesVVL.OL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M
VVL.OL Yearly EPS VS EstimatesVVL.OL Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 10 20 30 40

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4

4. VVL.OL Valuation Analysis

4.1 Price/Earnings Ratio

  • VVL is valuated reasonably with a Price/Earnings ratio of 11.20.
  • Compared to the rest of the industry, the Price/Earnings ratio of VVL indicates a slightly more expensive valuation: VVL is more expensive than 61.82% of the companies listed in the same industry.
  • VVL is valuated cheaply when we compare the Price/Earnings ratio to 25.23, which is the current average of the S&P500 Index.
  • VVL is valuated reasonably with a Price/Forward Earnings ratio of 10.79.
  • VVL's Price/Forward Earnings is on the same level as the industry average.
  • VVL's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.51.
Industry RankSector Rank
PE 11.2
Fwd PE 10.79
VVL.OL Price Earnings VS Forward Price EarningsVVL.OL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • The rest of the industry has a similar Price/Free Cash Flow ratio as VVL.
Industry RankSector Rank
P/FCF 69.81
EV/EBITDA N/A
VVL.OL Per share dataVVL.OL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 100 200 300

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates VVL does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)2.89
PEG (5Y)0.54
EPS Next 2Y8.03%
EPS Next 3YN/A

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5

5. VVL.OL Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.13%, VVL is a good candidate for dividend investing.
  • VVL's Dividend Yield is comparable with the industry average which is at 4.75.
  • Compared to an average S&P500 Dividend Yield of 1.90, VVL pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.13%

5.2 History

Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • 43.19% of the earnings are spent on dividend by VVL. This is a bit on the high side, but may be sustainable.
DP43.19%
EPS Next 2Y8.03%
EPS Next 3YN/A
VVL.OL Yearly Income VS Free CF VS DividendVVL.OL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -200M -400M
VVL.OL Dividend Payout.VVL.OL Dividend Payout, showing the Payout Ratio.VVL.OL Dividend Payout.PayoutRetained Earnings

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VVL.OL Fundamentals: All Metrics, Ratios and Statistics

VEKSELBANKEN

OSL:VVL (3/26/2026, 7:00:00 PM)

428

-2 (-0.47%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-11
Earnings (Next)N/A
Inst Owners8.11%
Inst Owner ChangeN/A
Ins Owners3.8%
Ins Owner ChangeN/A
Market Cap950.16M
Revenue(TTM)200.92M
Net Income(TTM)84.19M
Analysts80
Price Target438.6 (2.48%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.13%
Yearly Dividend16.5
Dividend Growth(5Y)N/A
DP43.19%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)10.15%
Min EPS beat(2)-0.99%
Max EPS beat(2)21.3%
EPS beat(4)1
Avg EPS beat(4)1.2%
Min EPS beat(4)-15.22%
Max EPS beat(4)21.3%
EPS beat(8)3
Avg EPS beat(8)1.07%
EPS beat(12)5
Avg EPS beat(12)0.81%
EPS beat(16)8
Avg EPS beat(16)0.09%
Revenue beat(2)1
Avg Revenue beat(2)-7.34%
Min Revenue beat(2)-17.42%
Max Revenue beat(2)2.73%
Revenue beat(4)1
Avg Revenue beat(4)-13.51%
Min Revenue beat(4)-23.96%
Max Revenue beat(4)2.73%
Revenue beat(8)1
Avg Revenue beat(8)-13.77%
Revenue beat(12)4
Avg Revenue beat(12)-6.26%
Revenue beat(16)7
Avg Revenue beat(16)-2.27%
PT rev (1m)0%
PT rev (3m)8.31%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)1.52%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)5.43%
Valuation
Industry RankSector Rank
PE 11.2
Fwd PE 10.79
P/S 4.73
P/FCF 69.81
P/OCF 47.28
P/B 1.13
P/tB 1.13
EV/EBITDA N/A
EPS(TTM)38.2
EY8.93%
EPS(NY)39.68
Fwd EY9.27%
FCF(TTM)6.13
FCFY1.43%
OCF(TTM)9.05
OCFY2.12%
SpS90.5
BVpS378.54
TBVpS378.54
PEG (NY)2.89
PEG (5Y)0.54
Graham Number570.4
Profitability
Industry RankSector Rank
ROA 1.2%
ROE 10.02%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 41.9%
GM N/A
FCFM 6.77%
ROA(3y)1.23%
ROA(5y)1.06%
ROE(3y)10.38%
ROE(5y)9.11%
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 3Y2.63%
PM growth 5Y6.5%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 1.29
Debt/FCF 79.82
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 3.23%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 16.17%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC6.09%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)1.98%
Cap/Sales(5y)1.32%
Profit Quality(3y)119%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-1.82%
EPS 3Y17.41%
EPS 5Y20.59%
EPS Q2Q%6.18%
EPS Next Y3.88%
EPS Next 2Y8.03%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.04%
Revenue growth 3Y14.4%
Revenue growth 5Y13.03%
Sales Q2Q%29.14%
Revenue Next Year9.18%
Revenue Next 2Y8.31%
Revenue Next 3YN/A
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-84.79%
FCF growth 3Y-52.09%
FCF growth 5Y-40.67%
OCF growth 1Y-78.46%
OCF growth 3Y-45.57%
OCF growth 5Y-35.86%

VEKSELBANKEN / VVL.OL Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for VEKSELBANKEN?

ChartMill assigns a fundamental rating of 4 / 10 to VVL.OL.


What is the valuation status of VEKSELBANKEN (VVL.OL) stock?

ChartMill assigns a valuation rating of 4 / 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.


How financially healthy is VEKSELBANKEN?

The financial health rating of VEKSELBANKEN (VVL.OL) is 2 / 10.


What is the earnings growth outlook for VEKSELBANKEN?

The Earnings per Share (EPS) of VEKSELBANKEN (VVL.OL) is expected to grow by 3.88% in the next year.