B2 IMPACT ASA (B2I.OL) Stock Fundamental Analysis

OSL:B2I • NO0010633951

24.35 NOK
+0.55 (+2.31%)
Last: Feb 27, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

6

Taking everything into account, B2I scores 6 out of 10 in our fundamental rating. B2I was compared to 8 industry peers in the Consumer Finance industry. B2I scores excellent on profitability, but there are some minor concerns on its financial health. B2I has a correct valuation and a medium growth rate. Finally B2I also has an excellent dividend rating. With these ratings, B2I could be worth investigating further for dividend investing!.


Dividend Valuation Growth Profitability Health

7

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.
  • Each year in the past 5 years B2I has been profitable.
  • Each year in the past 5 years B2I had a positive operating cash flow.
B2I.OL Yearly Net Income VS EBIT VS OCF VS FCFB2I.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 1B 2B 3B 4B

1.2 Ratios

  • B2I has a Return On Assets of 3.51%. This is in the better half of the industry: B2I outperforms 75.00% of its industry peers.
  • B2I's Return On Equity of 10.86% is in line compared to the rest of the industry. B2I outperforms 50.00% of its industry peers.
  • The Return On Invested Capital of B2I (7.74%) is better than 87.50% of its industry peers.
Industry RankSector Rank
ROA 3.51%
ROE 10.86%
ROIC 7.74%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
B2I.OL Yearly ROA, ROE, ROICB2I.OL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • B2I has a better Profit Margin (16.78%) than 75.00% of its industry peers.
  • In the last couple of years the Profit Margin of B2I has grown nicely.
  • B2I has a Operating Margin of 44.68%. This is amongst the best in the industry. B2I outperforms 100.00% of its industry peers.
  • B2I's Operating Margin has improved in the last couple of years.
  • With a Gross Margin value of 60.32%, B2I perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
  • In the last couple of years the Gross Margin of B2I has remained more or less at the same level.
Industry RankSector Rank
OM 44.68%
PM (TTM) 16.78%
GM 60.32%
OM growth 3Y3.86%
OM growth 5Y3.38%
PM growth 3Y20.22%
PM growth 5Y11.23%
GM growth 3Y-5.01%
GM growth 5Y1.14%
B2I.OL Yearly Profit, Operating, Gross MarginsB2I.OL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so B2I is destroying value.
  • There is no outstanding debt for B2I. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
B2I.OL Yearly Shares OutstandingB2I.OL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
B2I.OL Yearly Total Debt VS Total AssetsB2I.OL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

2.2 Solvency

  • B2I has a debt to FCF ratio of 2.22. This is a good value and a sign of high solvency as B2I would need 2.22 years to pay back of all of its debts.
  • B2I's Debt to FCF ratio of 2.22 is amongst the best of the industry. B2I outperforms 87.50% of its industry peers.
  • B2I has a Debt/Equity ratio of 1.81. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 1.81, B2I perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
  • Even though the debt/equity ratio score it not favorable for B2I, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 1.81
Debt/FCF 2.22
Altman-Z N/A
ROIC/WACC0.74
WACC10.42%
B2I.OL Yearly LT Debt VS Equity VS FCFB2I.OL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

2.3 Liquidity

  • B2I has a Current Ratio of 1.43. This is a normal value and indicates that B2I is financially healthy and should not expect problems in meeting its short term obligations.
  • B2I has a Current ratio of 1.43. This is amongst the best in the industry. B2I outperforms 100.00% of its industry peers.
  • A Quick Ratio of 1.43 indicates that B2I should not have too much problems paying its short term obligations.
  • The Quick ratio of B2I (1.43) is better than 100.00% of its industry peers.
Industry RankSector Rank
Current Ratio 1.43
Quick Ratio 1.43
B2I.OL Yearly Current Assets VS Current LiabilitesB2I.OL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • The earnings per share for B2I have decreased strongly by -20.21% in the last year.
  • 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 small growth in Revenue. In the last year, the Revenue has grown by 7.60%.
  • B2I shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.10% yearly.
EPS 1Y (TTM)-20.21%
EPS 3Y-18.59%
EPS 5Y22.67%
EPS Q2Q%716.33%
Revenue 1Y (TTM)7.6%
Revenue growth 3Y3.97%
Revenue growth 5Y4.1%
Sales Q2Q%4.96%

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 4.10% yearly.
EPS Next Y156.32%
EPS Next 2Y58.48%
EPS Next 3Y39.94%
EPS Next 5YN/A
Revenue Next Year5.26%
Revenue Next 2Y2.21%
Revenue Next 3Y3.52%
Revenue Next 5Y4.1%

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better 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 stable.
B2I.OL Yearly Revenue VS EstimatesB2I.OL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1B 2B 3B 4B
B2I.OL Yearly EPS VS EstimatesB2I.OL Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2

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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • B2I is valuated quite expensively with a Price/Earnings ratio of 32.47.
  • B2I's Price/Earnings is on the same level as the industry average.
  • When comparing the Price/Earnings ratio of B2I to the average of the S&P500 Index (27.10), we can say B2I is valued inline with the index average.
  • B2I is valuated correctly with a Price/Forward Earnings ratio of 12.93.
  • Based on the Price/Forward Earnings ratio, B2I is valued a bit cheaper than 62.50% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of B2I to the average of the S&P500 Index (28.06), we can say B2I is valued rather cheaply.
Industry RankSector Rank
PE 32.47
Fwd PE 12.93
B2I.OL Price Earnings VS Forward Price EarningsB2I.OL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of B2I indicates a rather cheap valuation: B2I is cheaper than 87.50% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 1.94
EV/EBITDA N/A
B2I.OL Per share dataB2I.OL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

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.
  • A more expensive valuation may be justified as B2I's earnings are expected to grow with 39.94% in the coming years.
PEG (NY)0.21
PEG (5Y)1.43
EPS Next 2Y58.48%
EPS Next 3Y39.94%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 7.98%, B2I is a good candidate for dividend investing.
  • B2I's Dividend Yield is rather good when compared to the industry average which is at 1.85. B2I pays more dividend than 100.00% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.80, B2I pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.98%

5.2 History

  • On average, the dividend of B2I grows each year by 32.90%, which is quite nice.
Dividend Growth(5Y)32.9%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • B2I pays out 89.19% 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.
DP89.19%
EPS Next 2Y58.48%
EPS Next 3Y39.94%
B2I.OL Yearly Income VS Free CF VS DividendB2I.OL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B
B2I.OL Dividend Payout.B2I.OL Dividend Payout, showing the Payout Ratio.B2I.OL Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

B2 IMPACT ASA

OSL:B2I (2/27/2026, 7:00:00 PM)

24.35

+0.55 (+2.31%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-12
Earnings (Next)05-13
Inst Owners20.46%
Inst Owner ChangeN/A
Ins Owners0.84%
Ins Owner ChangeN/A
Market Cap9.00B
Revenue(TTM)3.69B
Net Income(TTM)620.00M
Analysts82.5
Price Target24.91 (2.3%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 7.98%
Yearly Dividend1.3
Dividend Growth(5Y)32.9%
DP89.19%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-0.86%
Min Revenue beat(2)-5.96%
Max Revenue beat(2)4.24%
Revenue beat(4)3
Avg Revenue beat(4)1.94%
Min Revenue beat(4)-5.96%
Max Revenue beat(4)8.38%
Revenue beat(8)5
Avg Revenue beat(8)1.26%
Revenue beat(12)8
Avg Revenue beat(12)3%
Revenue beat(16)12
Avg Revenue beat(16)2.94%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-0.93%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.76%
Revenue NY rev (3m)0.43%
Valuation
Industry RankSector Rank
PE 32.47
Fwd PE 12.93
P/S 2.44
P/FCF 1.94
P/OCF 1.91
P/B 1.58
P/tB 1.85
EV/EBITDA N/A
EPS(TTM)0.75
EY3.08%
EPS(NY)1.88
Fwd EY7.74%
FCF(TTM)12.55
FCFY51.54%
OCF(TTM)12.72
OCFY52.24%
SpS9.99
BVpS15.44
TBVpS13.19
PEG (NY)0.21
PEG (5Y)1.43
Graham Number16.14
Profitability
Industry RankSector Rank
ROA 3.51%
ROE 10.86%
ROCE 10.09%
ROIC 7.74%
ROICexc 8.45%
ROICexgc 8.94%
OM 44.68%
PM (TTM) 16.78%
GM 60.32%
FCFM 125.58%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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 3Y3.86%
OM growth 5Y3.38%
PM growth 3Y20.22%
PM growth 5Y11.23%
GM growth 3Y-5.01%
GM growth 5Y1.14%
F-Score7
Asset Turnover0.21
Health
Industry RankSector Rank
Debt/Equity 1.81
Debt/FCF 2.22
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 1.71%
Interest Coverage 2.2
Cash Conversion N/A
Profit Quality 748.39%
Current Ratio 1.43
Quick Ratio 1.43
Altman-Z N/A
F-Score7
WACC10.42%
ROIC/WACC0.74
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)1.48%
Cap/Sales(5y)1.37%
Profit Quality(3y)1084.98%
Profit Quality(5y)962.69%
High Growth Momentum
Growth
EPS 1Y (TTM)-20.21%
EPS 3Y-18.59%
EPS 5Y22.67%
EPS Q2Q%716.33%
EPS Next Y156.32%
EPS Next 2Y58.48%
EPS Next 3Y39.94%
EPS Next 5YN/A
Revenue 1Y (TTM)7.6%
Revenue growth 3Y3.97%
Revenue growth 5Y4.1%
Sales Q2Q%4.96%
Revenue Next Year5.26%
Revenue Next 2Y2.21%
Revenue Next 3Y3.52%
Revenue Next 5Y4.1%
EBIT growth 1Y31.87%
EBIT growth 3Y7.09%
EBIT growth 5Y6.87%
EBIT Next Year1.39%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y24.6%
FCF growth 3Y14.21%
FCF growth 5Y8.07%
OCF growth 1Y25.15%
OCF growth 3Y14.39%
OCF growth 5Y8.05%

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 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 7 / 10.


Can you provide the financial health for B2I stock?

The financial health rating of B2 IMPACT ASA (B2I.OL) is 5 / 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 89.19%.