B2 IMPACT ASA (B2I.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:B2I - NO0010633951 - Common Stock
18.24 NOK
+0.44 (+2.47%)
We assign a fundamental rating of 6 out of 10 to B2I. B2I was compared to 7 industry peers in the Consumer Finance industry. While B2I belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. B2I is valued quite cheap, while showing a decent growth score. This is a good combination! B2I also has an excellent dividend rating. These ratings could make B2I a good candidate 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.
Each year in the past 5 years B2I had a positive operating cash flow.
1.2 Ratios
B2I's Return On Assets of 1.63% is in line compared to the rest of the industry. B2I outperforms 57.14% of its industry peers.
B2I's Return On Equity of 5.09% is in line compared to the rest of the industry. B2I outperforms 42.86% of its industry peers.
B2I's Return On Invested Capital of 5.78% is amongst the best of the industry. B2I outperforms 85.71% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for B2I is above the industry average of 4.51%.
| 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 of 8.25%. This is comparable to the rest of the industry: B2I outperforms 57.14% of its industry peers.
B2I's Profit Margin has improved in the last couple of years.
B2I has a better Operating Margin (35.82%) than 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 (53.12%) which is comparable to the rest of the 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so B2I is destroying 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.
B2I has a better debt/assets ratio than last year.
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.
B2I has a better Debt to FCF ratio (2.56) than 100.00% of its industry peers.
A Debt/Equity ratio of 1.87 is on the high side and indicates that B2I has dependencies on debt financing.
B2I has a Debt to Equity ratio of 1.87. This is comparable to the rest of the industry: B2I outperforms 57.14% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.87 | ||
| Debt/FCF | 2.56 | ||
| Altman-Z | N/A |
ROIC/WACC0.66
WACC8.76%
2.3 Liquidity
B2I has a Current Ratio of 2.52. This indicates that B2I is financially healthy and has no problem in meeting its short term obligations.
With an excellent Current ratio value of 2.52, B2I belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
A Quick Ratio of 2.52 indicates that B2I has no problem at all paying its short term obligations.
B2I's Quick ratio of 2.52 is amongst the best of the industry. B2I outperforms 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.
Measured over the past years, B2I shows a very strong growth in Earnings Per Share. The EPS has been growing by 22.67% on average per year.
B2I shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -11.17%.
The Revenue has been growing slightly by 4.10% on average over the past years.
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
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.
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
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 decreasing.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 13.82 indicates a correct valuation of B2I.
85.71% of the companies in the same industry are more expensive than B2I, based on the Price/Earnings ratio.
B2I's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.51.
Based on the Price/Forward Earnings ratio of 9.68, the valuation of B2I can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of B2I indicates a somewhat cheap valuation: B2I is cheaper than 71.43% of the companies listed in the same industry.
B2I's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.13.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.82 | ||
| Fwd PE | 9.68 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, B2I is valued cheaply inside the industry as 85.71% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.69 | ||
| 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)0.09
PEG (5Y)0.61
EPS Next 2Y58.48%
EPS Next 3Y39.94%
5. Dividend
5.1 Amount
B2I has a Yearly Dividend Yield of 8.57%, which is a nice return.
B2I's Dividend Yield is rather good when compared to the industry average which is at 1.97. B2I pays more dividend than 100.00% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.00, B2I pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.57% |
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
278.42% of the earnings are spent on dividend by B2I. 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 2Y58.48%
EPS Next 3Y39.94%
OSL:B2I (12/30/2025, 7:00:00 PM)
18.24
+0.44 (+2.47%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners20.33%
Inst Owner ChangeN/A
Ins Owners0.83%
Ins Owner ChangeN/A
Market Cap6.74B
Revenue(TTM)3.44B
Net Income(TTM)278.00M
Analysts82.5
Price Target18.92 (3.73%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.57% |
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)-1.6%
EPS NY rev (3m)-1.6%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.25%
Revenue NY rev (3m)0.25%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.82 | ||
| Fwd PE | 9.68 | ||
| P/S | 2 | ||
| P/FCF | 1.69 | ||
| P/OCF | 1.67 | ||
| P/B | 1.24 | ||
| P/tB | 1.45 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.32
EY7.24%
EPS(NY)1.88
Fwd EY10.33%
FCF(TTM)10.81
FCFY59.25%
OCF(TTM)10.92
OCFY59.88%
SpS9.11
BVpS14.76
TBVpS12.57
PEG (NY)0.09
PEG (5Y)0.61
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
WACC8.76%
ROIC/WACC0.66
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 8 / 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 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%.