B2 IMPACT ASA (B2I.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:B2I - NO0010633951 - Common Stock
19.64 NOK
-0.16 (-0.81%)
B2I gets a fundamental rating of 7 out of 10. The analysis compared the fundamentals against 8 industry peers in the Consumer Finance industry. Both the health and profitability get an excellent rating, making B2I a very profitable company, without any liquidiy or solvency issues. B2I is valued quite cheap, while showing a decent growth score. This is a good combination! Finally B2I also has an excellent dividend rating. With these ratings, B2I could be worth investigating further for value and dividend and quality 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.
- B2I had positive earnings in each of the past 5 years.
- B2I had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- B2I has a Return On Assets (2.96%) which is in line with its industry peers.
- With a Return On Equity value of 8.79%, B2I is not doing good in the industry: 62.50% of the companies in the same industry are doing better.
- The Return On Invested Capital of B2I (6.55%) is better than 87.50% 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 4.52%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.96% | ||
| ROE | 8.79% | ||
| ROIC | 6.55% |
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 of 14.02%. This is amongst the best in the industry. B2I outperforms 87.50% of its industry peers.
- In the last couple of years the Profit Margin of B2I has grown nicely.
- B2I's Operating Margin of 38.22% is amongst the best of the industry. B2I outperforms 100.00% of its industry peers.
- In the last couple of years the Operating Margin of B2I has grown nicely.
- B2I has a Gross Margin of 55.13%. This is in the lower half of the industry: B2I underperforms 62.50% of its industry peers.
- B2I's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 38.22% | ||
| PM (TTM) | 14.02% | ||
| GM | 55.13% |
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
- B2I has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it 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.
- Compared to 1 year ago, B2I has an improved debt to assets ratio.
2.2 Solvency
- B2I has a debt to FCF ratio of 2.19. This is a good value and a sign of high solvency as B2I would need 2.19 years to pay back of all of its debts.
- B2I has a better Debt to FCF ratio (2.19) than 87.50% of its industry peers.
- B2I has a Debt/Equity ratio of 1.74. This is a high value indicating a heavy dependency on external financing.
- Looking at the Debt to Equity ratio, with a value of 1.74, B2I is in the better half of the industry, outperforming 62.50% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.74 | ||
| Debt/FCF | 2.19 | ||
| Altman-Z | N/A |
ROIC/WACC0.81
WACC8.12%
2.3 Liquidity
- A Current Ratio of 2.10 indicates that B2I has no problem at all paying its short term obligations.
- B2I's Current ratio of 2.10 is amongst the best of the industry. B2I outperforms 100.00% of its industry peers.
- A Quick Ratio of 2.10 indicates that B2I has no problem at all paying its short term obligations.
- B2I's Quick ratio of 2.10 is amongst the best of the industry. B2I outperforms 100.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.1 | ||
| Quick Ratio | 2.1 |
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
- The Revenue has decreased by -5.42% in the past year.
- Measured over the past years, B2I shows a small growth in Revenue. The Revenue has been growing by 4.10% on average per year.
EPS 1Y (TTM)51.72%
EPS 3Y-18.59%
EPS 5Y22.67%
EPS Q2Q%285%
Revenue 1Y (TTM)-5.42%
Revenue growth 3Y3.97%
Revenue growth 5Y4.1%
Sales Q2Q%13.21%
3.2 Future
- Based on estimates for the next years, B2I will show a very strong growth in Earnings Per Share. The EPS will grow by 39.94% on average per year.
- The Revenue is expected to grow by 3.19% on average over the next years.
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 14.88, B2I is valued correctly.
- Compared to the rest of the industry, the Price/Earnings ratio of B2I indicates a somewhat cheap valuation: B2I is cheaper than 75.00% of the companies listed in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.30. B2I is valued slightly cheaper when compared to this.
- A Price/Forward Earnings ratio of 10.43 indicates a reasonable 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 62.50% of the companies listed in the same industry.
- B2I is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.04, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.88 | ||
| Fwd PE | 10.43 |
4.2 Price Multiples
- B2I's Price/Free Cash Flow ratio is rather cheap when compared to the industry. B2I is cheaper than 87.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.64 | ||
| 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.
- A more expensive valuation may be justified as B2I's earnings are expected to grow with 39.94% in the coming years.
PEG (NY)0.1
PEG (5Y)0.66
EPS Next 2Y58.48%
EPS Next 3Y39.94%
5. Dividend
5.1 Amount
- B2I has a Yearly Dividend Yield of 7.74%, which is a nice return.
- 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 1.92, B2I pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.74% |
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
- 158.28% of the earnings are spent on dividend by B2I. This is not a sustainable payout ratio.
- B2I's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP158.28%
EPS Next 2Y58.48%
EPS Next 3Y39.94%
OSL:B2I (1/14/2026, 11:49:15 AM)
19.64
-0.16 (-0.81%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-06 2025-11-06/bmo
Earnings (Next)02-12 2026-02-12/amc
Inst Owners20.46%
Inst Owner ChangeN/A
Ins Owners0.84%
Ins Owner ChangeN/A
Market Cap7.26B
Revenue(TTM)3.49B
Net Income(TTM)489.00M
Analysts82.5
Price Target18.92 (-3.67%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.74% |
Yearly Dividend1.3
Dividend Growth(5Y)32.9%
DP158.28%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)14.96%
Min EPS beat(2)-18.59%
Max EPS beat(2)48.51%
EPS beat(4)1
Avg EPS beat(4)-15.8%
Min EPS beat(4)-83.12%
Max EPS beat(4)48.51%
EPS beat(8)2
Avg EPS beat(8)-33.35%
EPS beat(12)4
Avg EPS beat(12)-24.71%
EPS beat(16)5
Avg EPS beat(16)-23.8%
Revenue beat(2)2
Avg Revenue beat(2)6.31%
Min Revenue beat(2)4.24%
Max Revenue beat(2)8.38%
Revenue beat(4)3
Avg Revenue beat(4)1.89%
Min Revenue beat(4)-6.16%
Max Revenue beat(4)8.38%
Revenue beat(8)6
Avg Revenue beat(8)3.16%
Revenue beat(12)9
Avg Revenue beat(12)3.56%
Revenue beat(16)12
Avg Revenue beat(16)2.49%
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 | 14.88 | ||
| Fwd PE | 10.43 | ||
| P/S | 2.08 | ||
| P/FCF | 1.64 | ||
| P/OCF | 1.62 | ||
| P/B | 1.3 | ||
| P/tB | 1.52 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.32
EY6.72%
EPS(NY)1.88
Fwd EY9.59%
FCF(TTM)11.98
FCFY60.98%
OCF(TTM)12.09
OCFY61.54%
SpS9.43
BVpS15.05
TBVpS12.88
PEG (NY)0.1
PEG (5Y)0.66
Graham Number21.14
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.96% | ||
| ROE | 8.79% | ||
| ROCE | 8.53% | ||
| ROIC | 6.55% | ||
| ROICexc | 7.16% | ||
| ROICexgc | 7.59% | ||
| OM | 38.22% | ||
| PM (TTM) | 14.02% | ||
| GM | 55.13% | ||
| FCFM | 126.95% |
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-Score5
Asset Turnover0.21
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.74 | ||
| Debt/FCF | 2.19 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 1.18% | ||
| Interest Coverage | 1.76 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 905.52% | ||
| Current Ratio | 2.1 | ||
| Quick Ratio | 2.1 | ||
| Altman-Z | N/A |
F-Score5
WACC8.12%
ROIC/WACC0.81
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)-5.42%
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-7.49%
EBIT growth 3Y11.23%
EBIT growth 5Y12.6%
EBIT Next Year14.69%
EBIT Next 3Y5.1%
EBIT Next 5YN/A
FCF growth 1Y27.42%
FCF growth 3Y2.53%
FCF growth 5Y0.92%
OCF growth 1Y26.14%
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 7 / 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 7 / 10.
Can you provide the financial health for B2I stock?
The financial health rating of B2 IMPACT ASA (B2I.OL) is 7 / 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 158.28%.