B2 IMPACT ASA (B2I.OL) Stock Fundamental Analysis
Europe - OSL:B2I - NO0010633951 - Common Stock
17.2 NOK
+0.28 (+1.65%)
Overall B2I gets a fundamental rating of 6 out of 10. We evaluated B2I against 9 industry peers in the Consumer Finance industry. B2I has an excellent financial health rating, but there are some minor concerns on its profitability. B2I has a decent growth rate and is not valued too expensively. B2I also has an excellent dividend rating. These ratings would make B2I suitable for dividend investing!
1. Profitability
1.1 Basic Checks
In the past year B2I was profitable.
In the past year B2I had a positive cash flow from operations.
In the past 5 years B2I has always been profitable.
Each year in the past 5 years B2I had a positive operating cash flow.
1.2 Ratios
B2I has a Return On Assets (1.63%) which is in line with its industry peers.
Looking at the Return On Equity, with a value of 5.09%, B2I is doing worse than 62.50% of the companies in the same industry.
The Return On Invested Capital of B2I (5.78%) is better than 87.50% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for B2I is above the industry average of 4.43%.
| 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's Profit Margin of 8.25% is in line compared to the rest of the industry. B2I outperforms 50.00% of its industry peers.
In the last couple of years the Profit Margin of B2I has grown nicely.
The Operating Margin of B2I (35.82%) is better than 100.00% of its industry peers.
In the last couple of years the Operating Margin of B2I has grown nicely.
With a Gross Margin value of 53.12%, B2I is not doing good in the industry: 62.50% of the companies in the same industry are doing better.
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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so B2I is destroying value.
Compared to 1 year ago, B2I has about the same amount of shares outstanding.
Compared to 5 years ago, B2I has less shares outstanding
The debt/assets ratio for B2I has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of B2I is 2.56, which is a good value as it means it would take B2I, 2.56 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 2.56, B2I belongs to the top of the industry, outperforming 100.00% 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.
With a decent Debt to Equity ratio value of 1.87, B2I is doing good in the industry, outperforming 62.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.87 | ||
| Debt/FCF | 2.56 | ||
| Altman-Z | N/A |
ROIC/WACC0.67
WACC8.65%
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.
Looking at the Quick ratio, with a value of 2.52, B2I belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.52 | ||
| Quick Ratio | 2.52 |
3. Growth
3.1 Past
B2I shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -36.97%.
B2I shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 22.67% yearly.
B2I shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -11.29%.
B2I shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.10% yearly.
EPS 1Y (TTM)-36.97%
EPS 3Y-18.59%
EPS 5Y22.67%
EPS Q2Q%-15.38%
Revenue 1Y (TTM)-11.29%
Revenue growth 3Y3.97%
Revenue growth 5Y4.1%
Sales Q2Q%-8.72%
3.2 Future
B2I is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 41.47% yearly.
B2I is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.32% yearly.
EPS Next Y152.5%
EPS Next 2Y59.22%
EPS Next 3Y41.47%
EPS Next 5YN/A
Revenue Next Year4.19%
Revenue Next 2Y2%
Revenue Next 3Y3.32%
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 stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 22.93, which indicates a rather expensive current valuation of B2I.
Based on the Price/Earnings ratio, B2I is valued cheaply inside the industry as 87.50% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 26.06, B2I is valued at the same level.
The Price/Forward Earnings ratio is 9.05, which indicates a very decent valuation of B2I.
Compared to the rest of the industry, the Price/Forward Earnings ratio of B2I indicates a somewhat cheap valuation: B2I is cheaper than 75.00% of the companies listed in the same industry.
B2I is valuated cheaply when we compare the Price/Forward Earnings ratio to 32.73, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.93 | ||
| Fwd PE | 9.05 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, B2I is valued a bit cheaper than 75.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.59 | ||
| 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.
The decent profitability rating of B2I may justify a higher PE ratio.
B2I's earnings are expected to grow with 41.47% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.15
PEG (5Y)1.01
EPS Next 2Y59.22%
EPS Next 3Y41.47%
5. Dividend
5.1 Amount
B2I has a Yearly Dividend Yield of 8.87%, which is a nice return.
Compared to an average industry Dividend Yield of 2.90, B2I pays a better dividend. On top of this B2I pays more dividend than 100.00% of the companies listed in the same industry.
B2I's Dividend Yield is rather good when compared to the S&P500 average which is at 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.87% |
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.
The dividend of B2I is growing, but earnings are growing more, so the dividend growth is sustainable.
DP278.42%
EPS Next 2Y59.22%
EPS Next 3Y41.47%
OSL:B2I (11/7/2025, 7:00:00 PM)
17.2
+0.28 (+1.65%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners20%
Inst Owner ChangeN/A
Ins Owners1.45%
Ins Owner ChangeN/A
Market Cap6.36B
Revenue(TTM)3.37B
Net Income(TTM)278.00M
Analysts82.5
Price Target18.95 (10.17%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.87% |
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)28.1%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)23.76%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)7.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.93 | ||
| Fwd PE | 9.05 | ||
| P/S | 1.89 | ||
| P/FCF | 1.59 | ||
| P/OCF | 1.57 | ||
| P/B | 1.17 | ||
| P/tB | 1.37 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.75
EY4.36%
EPS(NY)1.9
Fwd EY11.05%
FCF(TTM)10.81
FCFY62.84%
OCF(TTM)10.92
OCFY63.5%
SpS9.11
BVpS14.76
TBVpS12.57
PEG (NY)0.15
PEG (5Y)1.01
Graham Number15.78
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
WACC8.65%
ROIC/WACC0.67
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)-36.97%
EPS 3Y-18.59%
EPS 5Y22.67%
EPS Q2Q%-15.38%
EPS Next Y152.5%
EPS Next 2Y59.22%
EPS Next 3Y41.47%
EPS Next 5YN/A
Revenue 1Y (TTM)-11.29%
Revenue growth 3Y3.97%
Revenue growth 5Y4.1%
Sales Q2Q%-8.72%
Revenue Next Year4.19%
Revenue Next 2Y2%
Revenue Next 3Y3.32%
Revenue Next 5YN/A
EBIT growth 1Y-14.09%
EBIT growth 3Y11.23%
EBIT growth 5Y12.6%
EBIT Next Year10.82%
EBIT Next 3Y5.53%
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.
Can you provide the valuation status for B2 IMPACT ASA?
ChartMill assigns a valuation rating of 6 / 10 to B2 IMPACT ASA (B2I.OL). This can be considered as Fairly Valued.
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 expected EPS growth for B2I stock?
The Earnings per Share (EPS) of B2 IMPACT ASA (B2I.OL) is expected to grow by 152.5% in the next year.
Is the dividend of B2 IMPACT ASA sustainable?
The dividend rating of B2 IMPACT ASA (B2I.OL) is 7 / 10 and the dividend payout ratio is 278.42%.