B2 IMPACT ASA (B2I.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:B2I - NO0010633951 - Common Stock
17.5 NOK
+0.34 (+1.98%)
We assign a fundamental rating of 6 out of 10 to B2I. B2I was compared to 9 industry peers in the Consumer Finance industry. While B2I has a great profitability rating, there are some minor concerns on its financial health. B2I may be a bit undervalued, certainly considering the very reasonable score on growth 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.
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.
1.2 Ratios
With a Return On Assets value of 1.63%, B2I perfoms like the industry average, outperforming 44.44% of the companies in the same industry.
The Return On Equity of B2I (5.09%) is worse than 66.67% of its industry peers.
B2I has a better Return On Invested Capital (5.78%) than 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 4.51%.
| 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 44.44% 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.
B2I's Gross Margin of 53.12% is in line compared to the rest of the industry. B2I outperforms 55.56% of its industry peers.
B2I's Gross Margin has improved in the last couple of years.
| 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
Compared to 1 year ago, B2I has an improved debt to assets ratio.
2.2 Solvency
B2I has a debt to FCF ratio of 2.56. 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.
B2I has a Debt to Equity ratio (1.87) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.87 | ||
| Debt/FCF | 2.56 | ||
| Altman-Z | N/A |
ROIC/WACC0.63
WACC9.13%
2.3 Liquidity
A Current Ratio of 2.52 indicates that B2I has no problem at all paying 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.
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.
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)-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 39.77% on average per year.
Based on estimates for the next years, B2I will show a small growth in Revenue. The Revenue will grow by 3.19% on average per year.
EPS Next Y148.46%
EPS Next 2Y58.48%
EPS Next 3Y39.77%
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.
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
Based on the Price/Earnings ratio of 13.26, the valuation of B2I can be described as correct.
66.67% of the companies in the same industry are more expensive than B2I, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.57. B2I is valued rather cheaply when compared to this.
B2I is valuated reasonably with a Price/Forward Earnings ratio of 9.29.
B2I's Price/Forward Earnings is on the same level as the industry average.
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 | 13.26 | ||
| Fwd PE | 9.29 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, B2I is valued cheaper than 88.89% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.62 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The 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.
A more expensive valuation may be justified as B2I's earnings are expected to grow with 39.77% in the coming years.
PEG (NY)0.09
PEG (5Y)0.58
EPS Next 2Y58.48%
EPS Next 3Y39.77%
5. Dividend
5.1 Amount
B2I has a Yearly Dividend Yield of 8.89%, which is a nice return.
Compared to an average industry Dividend Yield of 1.73, 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 1.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.89% |
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 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 3Y39.77%
OSL:B2I (12/23/2025, 7:00:00 PM)
17.5
+0.34 (+1.98%)
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 Cap6.47B
Revenue(TTM)3.44B
Net Income(TTM)278.00M
Analysts82.5
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.89% |
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)-0.13%
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)16.59%
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 | 13.26 | ||
| Fwd PE | 9.29 | ||
| P/S | 1.92 | ||
| P/FCF | 1.62 | ||
| P/OCF | 1.6 | ||
| P/B | 1.19 | ||
| P/tB | 1.39 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.32
EY7.54%
EPS(NY)1.88
Fwd EY10.76%
FCF(TTM)10.81
FCFY61.76%
OCF(TTM)10.92
OCFY62.41%
SpS9.11
BVpS14.76
TBVpS12.57
PEG (NY)0.09
PEG (5Y)0.58
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
WACC9.13%
ROIC/WACC0.63
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 3Y39.77%
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 Year11.85%
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.
Can you provide the valuation status for B2 IMPACT ASA?
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 expected EPS growth for B2I stock?
The Earnings per Share (EPS) of B2 IMPACT ASA (B2I.OL) is expected to grow by 148.46% 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%.