AURSKOG SPAREBANK (AURG.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:AURG - NO0006001601 - Common Stock
257 NOK
+2 (+0.78%)
Overall AURG gets a fundamental rating of 3 out of 10. We evaluated AURG against 114 industry peers in the Banks industry. AURG may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, AURG is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
AURG had positive earnings in the past year.
AURG had a positive operating cash flow in the past year.
In the past 5 years AURG has always been profitable.
In the past 5 years AURG reported 4 times negative operating cash flow.
1.2 Ratios
The Return On Assets of AURG (0.45%) is worse than 75.44% of its industry peers.
AURG's Return On Equity of 3.78% is on the low side compared to the rest of the industry. AURG is outperformed by 77.19% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.45% | ||
| ROE | 3.78% | ||
| ROIC | N/A |
ROA(3y)0.48%
ROA(5y)0.43%
ROE(3y)3.9%
ROE(5y)3.54%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
AURG has a worse Profit Margin (17.99%) than 68.42% of its industry peers.
AURG's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for AURG so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 17.99% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y6%
PM growth 5Y3.63%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
AURG does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, AURG has about the same amount of shares outstanding.
AURG has more shares outstanding than it did 5 years ago.
AURG has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of AURG is 31.85, which is on the high side as it means it would take AURG, 31.85 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 31.85, AURG is in the better half of the industry, outperforming 64.91% of the companies in the same industry.
A Debt/Equity ratio of 2.30 is on the high side and indicates that AURG has dependencies on debt financing.
AURG has a Debt to Equity ratio of 2.30. This is comparable to the rest of the industry: AURG outperforms 43.86% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.3 | ||
| Debt/FCF | 31.85 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.98%
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 0.16% over the past year.
The Earnings Per Share has been growing by 13.80% on average over the past years. This is quite good.
AURG shows a small growth in Revenue. In the last year, the Revenue has grown by 7.80%.
Measured over the past years, AURG shows a quite strong growth in Revenue. The Revenue has been growing by 13.09% on average per year.
EPS 1Y (TTM)0.16%
EPS 3Y15.83%
EPS 5Y13.8%
EPS Q2Q%N/A
Revenue 1Y (TTM)7.8%
Revenue growth 3Y18.19%
Revenue growth 5Y13.09%
Sales Q2Q%-6.6%
3.2 Future
The Earnings Per Share is expected to grow by 6.18% on average over the next years.
Based on estimates for the next years, AURG will show a small growth in Revenue. The Revenue will grow by 6.53% on average per year.
EPS Next Y12.52%
EPS Next 2Y6.55%
EPS Next 3Y6.18%
EPS Next 5YN/A
Revenue Next Year1.45%
Revenue Next 2Y5.63%
Revenue Next 3Y6.53%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 14.03, which indicates a correct valuation of AURG.
78.95% of the companies in the same industry are cheaper than AURG, based on the Price/Earnings ratio.
AURG's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.59.
With a Price/Forward Earnings ratio of 12.36, AURG is valued correctly.
Based on the Price/Forward Earnings ratio, AURG is valued a bit more expensive than 71.93% of the companies in the same industry.
AURG's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 24.03.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.03 | ||
| Fwd PE | 12.36 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of AURG indicates a somewhat cheap valuation: AURG is cheaper than 77.19% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.89 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
AURG's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.12
PEG (5Y)1.02
EPS Next 2Y6.55%
EPS Next 3Y6.18%
5. Dividend
5.1 Amount
AURG has a Yearly Dividend Yield of 5.86%, which is a nice return.
Compared to an average industry Dividend Yield of 4.12, AURG pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 1.87, AURG pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.86% |
5.2 History
The dividend of AURG is nicely growing with an annual growth rate of 14.91%!
Dividend Growth(5Y)14.91%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
AURG pays out 76.94% of its income as dividend. This is not a sustainable payout ratio.
The dividend of AURG is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP76.94%
EPS Next 2Y6.55%
EPS Next 3Y6.18%
OSL:AURG (12/23/2025, 7:00:00 PM)
257
+2 (+0.78%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners5.36%
Inst Owner ChangeN/A
Ins Owners13.36%
Ins Owner ChangeN/A
Market Cap1.19B
Revenue(TTM)484.79M
Net Income(TTM)90.12M
Analysts37.78
Price Target209.1 (-18.64%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.86% |
Yearly Dividend15
Dividend Growth(5Y)14.91%
DP76.94%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-2.35%
Min EPS beat(2)-2.9%
Max EPS beat(2)-1.79%
EPS beat(4)0
Avg EPS beat(4)-4.3%
Min EPS beat(4)-8.35%
Max EPS beat(4)-1.79%
EPS beat(8)1
Avg EPS beat(8)-3.53%
EPS beat(12)2
Avg EPS beat(12)-2.24%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)13.05%
Min Revenue beat(2)2.83%
Max Revenue beat(2)23.26%
Revenue beat(4)3
Avg Revenue beat(4)9.43%
Min Revenue beat(4)-0.35%
Max Revenue beat(4)23.26%
Revenue beat(8)5
Avg Revenue beat(8)6.02%
Revenue beat(12)9
Avg Revenue beat(12)7.28%
Revenue beat(16)13
Avg Revenue beat(16)8.54%
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)5.37%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.24%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.03 | ||
| Fwd PE | 12.36 | ||
| P/S | 2.37 | ||
| P/FCF | 6.89 | ||
| P/OCF | 6.84 | ||
| P/B | 0.5 | ||
| P/tB | 0.5 | ||
| EV/EBITDA | N/A |
EPS(TTM)18.32
EY7.13%
EPS(NY)20.8
Fwd EY8.09%
FCF(TTM)37.28
FCFY14.51%
OCF(TTM)37.58
OCFY14.62%
SpS108.41
BVpS515.61
TBVpS515.61
PEG (NY)1.12
PEG (5Y)1.02
Graham Number461.02
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.45% | ||
| ROE | 3.78% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 17.99% | ||
| GM | N/A | ||
| FCFM | 34.39% |
ROA(3y)0.48%
ROA(5y)0.43%
ROE(3y)3.9%
ROE(5y)3.54%
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 3Y6%
PM growth 5Y3.63%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.3 | ||
| Debt/FCF | 31.85 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.27% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 191.13% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC5.98%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.12%
Cap/Sales(5y)0.38%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)0.16%
EPS 3Y15.83%
EPS 5Y13.8%
EPS Q2Q%N/A
EPS Next Y12.52%
EPS Next 2Y6.55%
EPS Next 3Y6.18%
EPS Next 5YN/A
Revenue 1Y (TTM)7.8%
Revenue growth 3Y18.19%
Revenue growth 5Y13.09%
Sales Q2Q%-6.6%
Revenue Next Year1.45%
Revenue Next 2Y5.63%
Revenue Next 3Y6.53%
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 1Y607.77%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y594.89%
OCF growth 3YN/A
OCF growth 5YN/A
AURSKOG SPAREBANK / AURG.OL FAQ
What is the fundamental rating for AURG stock?
ChartMill assigns a fundamental rating of 3 / 10 to AURG.OL.
Can you provide the valuation status for AURSKOG SPAREBANK?
ChartMill assigns a valuation rating of 3 / 10 to AURSKOG SPAREBANK (AURG.OL). This can be considered as Overvalued.
What is the profitability of AURG stock?
AURSKOG SPAREBANK (AURG.OL) has a profitability rating of 2 / 10.
Can you provide the PE and PB ratios for AURG stock?
The Price/Earnings (PE) ratio for AURSKOG SPAREBANK (AURG.OL) is 14.03 and the Price/Book (PB) ratio is 0.5.
What is the financial health of AURSKOG SPAREBANK (AURG.OL) stock?
The financial health rating of AURSKOG SPAREBANK (AURG.OL) is 1 / 10.