B2 IMPACT ASA (B2I.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:B2I - NO0010633951 - Common Stock
19.6 NOK
-0.4 (-2%)
We assign a fundamental rating of 6 out of 10 to B2I. B2I was compared to 9 industry peers in the Consumer Finance industry. B2I has an average financial health and profitability rating. B2I is valued quite cheap, while showing a decent growth score. This is a good combination! Finally B2I also has an excellent dividend rating. This makes B2I very considerable for value and dividend investing!
1. Profitability
1.1 Basic Checks
B2I had positive earnings in the past year.
B2I had a positive operating cash flow in the past year.
In the past 5 years B2I has always been profitable.
In the past 5 years B2I always reported a positive cash flow from operatings.
1.2 Ratios
B2I has a Return On Assets of 1.63%. This is in the lower half of the industry: B2I underperforms 66.67% of its industry peers.
With a Return On Equity value of 5.09%, B2I is not doing good in the industry: 66.67% of the companies in the same industry are doing better.
B2I has a Return On Invested Capital of 5.78%. This is amongst the best in the industry. B2I outperforms 88.89% of its industry peers.
B2I had an Average Return On Invested Capital over the past 3 years of 8.16%. This is above the industry average of 4.39%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.63% | ||
| ROE | 5.09% | ||
| ROIC | 5.78% |
ROA(3y)1.9%
ROA(5y)2.25%
ROE(3y)5.89%
ROE(5y)7.14%
ROIC(3y)8.16%
ROIC(5y)7.6%
1.3 Margins
B2I has a Profit Margin (8.25%) which is comparable to the rest of the industry.
B2I's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 35.82%, B2I belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
In the last couple of years the Operating Margin of B2I has grown nicely.
Looking at the Gross Margin, with a value of 53.12%, B2I is in line with its industry, outperforming 44.44% of the companies in the same industry.
In the last couple of years the Gross Margin of B2I has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 35.82% | ||
| PM (TTM) | 8.25% | ||
| GM | 53.12% |
OM growth 3Y6.98%
OM growth 5Y8.17%
PM growth 3Y-24.52%
PM growth 5Y16.24%
GM growth 3Y4.13%
GM growth 5Y4.45%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), B2I is creating some value.
The number of shares outstanding for B2I remains at a similar level compared to 1 year ago.
B2I has less shares outstanding than it did 5 years ago.
The debt/assets ratio for B2I has been reduced compared to a year ago.
2.2 Solvency
B2I has a debt to FCF ratio of 2.56. This is a good value and a sign of high solvency as B2I would need 2.56 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 2.56, B2I is doing good in the industry, outperforming 77.78% of the companies in the same industry.
B2I has a Debt/Equity ratio of 1.87. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of B2I (1.87) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.87 | ||
| Debt/FCF | 2.56 | ||
| Altman-Z | N/A |
ROIC/WACC0.71
WACC8.15%
2.3 Liquidity
A Current Ratio of 2.52 indicates that B2I has no problem at all paying its short term obligations.
B2I has a better Current ratio (2.52) than 100.00% of its industry peers.
A Quick Ratio of 2.52 indicates that B2I has no problem at all paying its short term obligations.
The Quick ratio of B2I (2.52) is better than 100.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.52 | ||
| Quick Ratio | 2.52 |
3. Growth
3.1 Past
B2I shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 51.72%, which is quite impressive.
The Earnings Per Share has been growing by 22.67% on average over the past years. This is a very strong growth
Looking at the last year, B2I shows a very negative growth in Revenue. The Revenue has decreased by -11.17% in the last year.
B2I shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.10% yearly.
EPS 1Y (TTM)51.72%
EPS 3Y-18.59%
EPS 5Y22.67%
EPS Q2Q%285%
Revenue 1Y (TTM)-11.17%
Revenue growth 3Y3.97%
Revenue growth 5Y4.1%
Sales Q2Q%13.21%
3.2 Future
The Earnings Per Share is expected to grow by 39.94% on average over the next years. This is a very strong growth
B2I is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.19% yearly.
EPS Next Y148.46%
EPS Next 2Y58.48%
EPS Next 3Y39.94%
EPS Next 5YN/A
Revenue Next Year4.45%
Revenue Next 2Y1.83%
Revenue Next 3Y3.19%
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 accelerating.
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
With a Price/Earnings ratio of 14.85, B2I is valued correctly.
B2I's Price/Earnings ratio is a bit cheaper when compared to the industry. B2I is cheaper than 66.67% of the companies in the same industry.
When comparing the Price/Earnings ratio of B2I to the average of the S&P500 Index (26.92), we can say B2I is valued slightly cheaper.
Based on the Price/Forward Earnings ratio of 10.41, the valuation of B2I can be described as reasonable.
B2I's Price/Forward Earnings ratio is in line with the industry average.
B2I's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.57.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.85 | ||
| Fwd PE | 10.41 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, B2I is valued cheaply inside the industry as 88.89% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.81 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
B2I's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
B2I has a very decent profitability rating, which may justify a higher PE ratio.
B2I's earnings are expected to grow with 39.94% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.1
PEG (5Y)0.65
EPS Next 2Y58.48%
EPS Next 3Y39.94%
5. Dividend
5.1 Amount
B2I has a Yearly Dividend Yield of 8.22%, which is a nice return.
B2I's Dividend Yield is rather good when compared to the industry average which is at 1.76. B2I pays more dividend than 100.00% of the companies in the same industry.
B2I's Dividend Yield is rather good when compared to the S&P500 average which is at 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.22% |
5.2 History
The dividend of B2I is nicely growing with an annual growth rate of 32.90%!
Dividend Growth(5Y)32.9%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
B2I pays out 278.42% of its income as dividend. This is not a sustainable payout ratio.
B2I's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP278.42%
EPS Next 2Y58.48%
EPS Next 3Y39.94%
OSL:B2I (1/7/2026, 7:00:00 PM)
19.6
-0.4 (-2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners20.46%
Inst Owner ChangeN/A
Ins Owners0.84%
Ins Owner ChangeN/A
Market Cap7.25B
Revenue(TTM)3.44B
Net Income(TTM)278.00M
Analysts82.5
Price Target18.92 (-3.47%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.22% |
Yearly Dividend1.3
Dividend Growth(5Y)32.9%
DP278.42%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)19.26%
Min EPS beat(2)-9.99%
Max EPS beat(2)48.51%
EPS beat(4)1
Avg EPS beat(4)-74.23%
Min EPS beat(4)-252.32%
Max EPS beat(4)48.51%
EPS beat(8)2
Avg EPS beat(8)-38.32%
EPS beat(12)5
Avg EPS beat(12)-21.48%
EPS beat(16)6
Avg EPS beat(16)-21.89%
Revenue beat(2)2
Avg Revenue beat(2)4.73%
Min Revenue beat(2)1.09%
Max Revenue beat(2)8.38%
Revenue beat(4)3
Avg Revenue beat(4)1.1%
Min Revenue beat(4)-6.16%
Max Revenue beat(4)8.38%
Revenue beat(8)5
Avg Revenue beat(8)2.51%
Revenue beat(12)9
Avg Revenue beat(12)3.67%
Revenue beat(16)11
Avg Revenue beat(16)2.18%
PT rev (1m)0%
PT rev (3m)-0.13%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.6%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.25%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.85 | ||
| Fwd PE | 10.41 | ||
| P/S | 2.15 | ||
| P/FCF | 1.81 | ||
| P/OCF | 1.79 | ||
| P/B | 1.33 | ||
| P/tB | 1.56 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.32
EY6.73%
EPS(NY)1.88
Fwd EY9.61%
FCF(TTM)10.81
FCFY55.14%
OCF(TTM)10.92
OCFY55.72%
SpS9.11
BVpS14.76
TBVpS12.57
PEG (NY)0.1
PEG (5Y)0.65
Graham Number20.94
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.63% | ||
| ROE | 5.09% | ||
| ROCE | 7.48% | ||
| ROIC | 5.78% | ||
| ROICexc | 6.52% | ||
| ROICexgc | 6.91% | ||
| OM | 35.82% | ||
| PM (TTM) | 8.25% | ||
| GM | 53.12% | ||
| FCFM | 118.58% |
ROA(3y)1.9%
ROA(5y)2.25%
ROE(3y)5.89%
ROE(5y)7.14%
ROIC(3y)8.16%
ROIC(5y)7.6%
ROICexc(3y)8.98%
ROICexc(5y)8.44%
ROICexgc(3y)9.61%
ROICexgc(5y)9.07%
ROCE(3y)10.65%
ROCE(5y)9.93%
ROICexgc growth 3Y-0.15%
ROICexgc growth 5Y11.94%
ROICexc growth 3Y0.67%
ROICexc growth 5Y12%
OM growth 3Y6.98%
OM growth 5Y8.17%
PM growth 3Y-24.52%
PM growth 5Y16.24%
GM growth 3Y4.13%
GM growth 5Y4.45%
F-Score3
Asset Turnover0.2
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.87 | ||
| Debt/FCF | 2.56 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 1.25% | ||
| Interest Coverage | 1.46 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 1437.41% | ||
| Current Ratio | 2.52 | ||
| Quick Ratio | 2.52 | ||
| Altman-Z | N/A |
F-Score3
WACC8.15%
ROIC/WACC0.71
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)1.17%
Cap/Sales(5y)1.32%
Profit Quality(3y)1154.43%
Profit Quality(5y)1017%
High Growth Momentum
Growth
EPS 1Y (TTM)51.72%
EPS 3Y-18.59%
EPS 5Y22.67%
EPS Q2Q%285%
EPS Next Y148.46%
EPS Next 2Y58.48%
EPS Next 3Y39.94%
EPS Next 5YN/A
Revenue 1Y (TTM)-11.17%
Revenue growth 3Y3.97%
Revenue growth 5Y4.1%
Sales Q2Q%13.21%
Revenue Next Year4.45%
Revenue Next 2Y1.83%
Revenue Next 3Y3.19%
Revenue Next 5YN/A
EBIT growth 1Y-14.09%
EBIT growth 3Y11.23%
EBIT growth 5Y12.6%
EBIT Next Year14.69%
EBIT Next 3Y5.1%
EBIT Next 5YN/A
FCF growth 1Y14.2%
FCF growth 3Y2.53%
FCF growth 5Y0.92%
OCF growth 1Y14.72%
OCF growth 3Y2.35%
OCF growth 5Y0.81%
B2 IMPACT ASA / B2I.OL FAQ
What is the fundamental rating for B2I stock?
ChartMill assigns a fundamental rating of 6 / 10 to B2I.OL.
What is the valuation status of B2 IMPACT ASA (B2I.OL) stock?
ChartMill assigns a valuation rating of 7 / 10 to B2 IMPACT ASA (B2I.OL). This can be considered as Undervalued.
Can you provide the profitability details for B2 IMPACT ASA?
B2 IMPACT ASA (B2I.OL) has a profitability rating of 6 / 10.
Can you provide the financial health for B2I stock?
The financial health rating of B2 IMPACT ASA (B2I.OL) is 6 / 10.
Can you provide the dividend sustainability for B2I stock?
The dividend rating of B2 IMPACT ASA (B2I.OL) is 7 / 10 and the dividend payout ratio is 278.42%.