B2 IMPACT ASA (B2I.OL) Stock Fundamental Analysis
OSL:B2I - Euronext Oslo - NO0010633951 - Common Stock - Currency: NOK
Overall B2I gets a fundamental rating of 6 out of 10. We evaluated B2I against 8 industry peers in the Consumer Finance industry. B2I has an excellent financial health rating, but there are some minor concerns on its profitability. B2I may be a bit undervalued, certainly considering the very reasonable score on growth Finally B2I also has an excellent dividend rating. With these ratings, B2I could be worth investigating further for value and dividend investing!.
1. Profitability
1.1 Basic Checks
B2I had positive earnings in the past year.
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.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.63%, B2I is in the better half of the industry, outperforming 62.50% of the companies in the same industry.
With a Return On Equity value of 4.93%, B2I is not doing good in the industry: 62.50% of the companies in the same industry are doing better.
B2I's Return On Invested Capital of 6.69% is amongst the best of the industry. B2I outperforms 87.50% of its industry peers.
The Average Return On Invested Capital over the past 3 years for B2I is above the industry average of 5.61%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.63% | ||
| ROE | 4.93% | ||
| ROIC | 6.69% |
ROA(3y)1.9%
ROA(5y)2.25%
ROE(3y)5.89%
ROE(5y)7.14%
ROIC(3y)7.68%
ROIC(5y)7.31%
1.3 Margins
B2I has a Profit Margin (7.77%) which is in line with its industry peers.
In the last couple of years the Profit Margin of B2I has grown nicely.
B2I has a better Operating Margin (38.81%) than 100.00% of its industry peers.
B2I's Operating Margin has improved in the last couple of years.
The Gross Margin of B2I (54.88%) is worse than 62.50% of its industry peers.
In the last couple of years the Gross Margin of B2I has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 38.81% | ||
| PM (TTM) | 7.77% | ||
| GM | 54.88% |
OM growth 3Y-0.73%
OM growth 5Y3.42%
PM growth 3Y-25.46%
PM growth 5Y15.37%
GM growth 3Y-1.72%
GM growth 5Y0.89%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), B2I is destroying value.
The number of shares outstanding for B2I remains at a similar level compared to 1 year ago.
The number of shares outstanding for B2I has been reduced compared to 5 years ago.
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 2.63, which is a good value as it means it would take B2I, 2.63 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 2.63, B2I belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
A Debt/Equity ratio of 1.74 is on the high side and indicates that B2I has dependencies on debt financing.
B2I's Debt to Equity ratio of 1.74 is fine compared to the rest of the industry. B2I outperforms 75.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.74 | ||
| Debt/FCF | 2.63 | ||
| Altman-Z | N/A |
ROIC/WACC0.82
WACC8.14%
2.3 Liquidity
B2I has a Current Ratio of 2.09. This indicates that B2I is financially healthy and has no problem in meeting its short term obligations.
The Current ratio of B2I (2.09) is better than 87.50% of its industry peers.
B2I has a Quick Ratio of 2.09. This indicates that B2I is financially healthy and has no problem in meeting its short term obligations.
Looking at the Quick ratio, with a value of 2.09, B2I belongs to the top of the industry, outperforming 87.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.09 | ||
| Quick Ratio | 2.09 |
3. Growth
3.1 Past
B2I shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -20.21%.
B2I shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 22.67% yearly.
The Revenue has decreased by -7.78% in the past year.
The Revenue has been growing slightly by 4.89% on average over the past years.
EPS 1Y (TTM)-20.21%
EPS 3Y-18.59%
EPS 5Y22.67%
EPS Q2Q%-70.59%
Revenue 1Y (TTM)-7.78%
Revenue growth 3Y5.29%
Revenue growth 5Y4.89%
Sales Q2Q%-19.87%
3.2 Future
B2I is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 38.08% yearly.
The Revenue is expected to grow by 1.32% on average over the next years.
EPS Next Y104.02%
EPS Next 2Y46.79%
EPS Next 3Y38.08%
EPS Next 5YN/A
Revenue Next Year-3.98%
Revenue Next 2Y-0.2%
Revenue Next 3Y1.32%
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
B2I is valuated correctly with a Price/Earnings ratio of 14.80.
Based on the Price/Earnings ratio, B2I is valued a bit cheaper than 75.00% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 28.79. B2I is valued slightly cheaper when compared to this.
A Price/Forward Earnings ratio of 7.25 indicates a rather cheap valuation of B2I.
Based on the Price/Forward Earnings ratio, B2I is valued a bit cheaper than 75.00% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 21.38. B2I is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.8 | ||
| Fwd PE | 7.25 |
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 | 1.1 | ||
| 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 38.08% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.14
PEG (5Y)0.65
EPS Next 2Y46.79%
EPS Next 3Y38.08%
5. Dividend
5.1 Amount
B2I has a Yearly Dividend Yield of 13.91%, which is a nice return.
B2I's Dividend Yield is rather good when compared to the industry average which is at 3.83. B2I pays more dividend than 100.00% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.51, B2I pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 13.91% |
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 172.92% of its income as dividend. This is not a sustainable payout ratio.
The dividend of B2I is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP172.92%
EPS Next 2Y46.79%
EPS Next 3Y38.08%
OSL:B2I (4/25/2025, 7:00:00 PM)
11.1
+0.32 (+2.97%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners18.98%
Inst Owner ChangeN/A
Ins Owners1.45%
Ins Owner ChangeN/A
Market Cap4.09B
Analysts82.22
Price Target12.72 (14.59%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 13.91% |
Yearly Dividend1.3
Dividend Growth(5Y)32.9%
DP172.92%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-167.72%
Min EPS beat(2)-252.32%
Max EPS beat(2)-83.12%
EPS beat(4)1
Avg EPS beat(4)-70.73%
Min EPS beat(4)-252.32%
Max EPS beat(4)67.16%
EPS beat(8)3
Avg EPS beat(8)-34.69%
EPS beat(12)4
Avg EPS beat(12)-31.94%
EPS beat(16)7
Avg EPS beat(16)764.39%
Revenue beat(2)1
Avg Revenue beat(2)-2.54%
Min Revenue beat(2)-6.16%
Max Revenue beat(2)1.08%
Revenue beat(4)2
Avg Revenue beat(4)0.58%
Min Revenue beat(4)-8.75%
Max Revenue beat(4)16.17%
Revenue beat(8)5
Avg Revenue beat(8)3.53%
Revenue beat(12)9
Avg Revenue beat(12)3.28%
Revenue beat(16)10
Avg Revenue beat(16)1.59%
PT rev (1m)0%
PT rev (3m)8.71%
EPS NQ rev (1m)0%
EPS NQ rev (3m)7.89%
EPS NY rev (1m)-3.35%
EPS NY rev (3m)9.78%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.25%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.8 | ||
| Fwd PE | 7.25 | ||
| P/S | 1.15 | ||
| P/FCF | 1.1 | ||
| P/OCF | 1.09 | ||
| P/B | 0.73 | ||
| P/tB | 0.85 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.75
EY6.76%
EPS(NY)1.53
Fwd EY13.79%
FCF(TTM)10.11
FCFY91.04%
OCF(TTM)10.2
OCFY91.87%
SpS9.68
BVpS15.24
TBVpS13.05
PEG (NY)0.14
PEG (5Y)0.65
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.63% | ||
| ROE | 4.93% | ||
| ROCE | 8.76% | ||
| ROIC | 6.69% | ||
| ROICexc | 7.59% | ||
| ROICexgc | 8.05% | ||
| OM | 38.81% | ||
| PM (TTM) | 7.77% | ||
| GM | 54.88% | ||
| FCFM | 104.43% |
ROA(3y)1.9%
ROA(5y)2.25%
ROE(3y)5.89%
ROE(5y)7.14%
ROIC(3y)7.68%
ROIC(5y)7.31%
ROICexc(3y)8.54%
ROICexc(5y)8.17%
ROICexgc(3y)9.12%
ROICexgc(5y)8.78%
ROCE(3y)10.04%
ROCE(5y)9.56%
ROICexcg growth 3Y-5.59%
ROICexcg growth 5Y8.24%
ROICexc growth 3Y-4.59%
ROICexc growth 5Y8.45%
OM growth 3Y-0.73%
OM growth 5Y3.42%
PM growth 3Y-25.46%
PM growth 5Y15.37%
GM growth 3Y-1.72%
GM growth 5Y0.89%
F-Score5
Asset Turnover0.21
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.74 | ||
| Debt/FCF | 2.63 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.95% | ||
| Interest Coverage | 1.57 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 1344.4% | ||
| Current Ratio | 2.09 | ||
| Quick Ratio | 2.09 | ||
| Altman-Z | N/A |
F-Score5
WACC8.14%
ROIC/WACC0.82
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)1.16%
Cap/Sales(5y)1.31%
Profit Quality(3y)1154.43%
Profit Quality(5y)1017%
High Growth Momentum
Growth
EPS 1Y (TTM)-20.21%
EPS 3Y-18.59%
EPS 5Y22.67%
EPS Q2Q%-70.59%
EPS Next Y104.02%
EPS Next 2Y46.79%
EPS Next 3Y38.08%
EPS Next 5YN/A
Revenue 1Y (TTM)-7.78%
Revenue growth 3Y5.29%
Revenue growth 5Y4.89%
Sales Q2Q%-19.87%
Revenue Next Year-3.98%
Revenue Next 2Y-0.2%
Revenue Next 3Y1.32%
Revenue Next 5YN/A
EBIT growth 1Y4.22%
EBIT growth 3Y4.52%
EBIT growth 5Y8.48%
EBIT Next Year-2.12%
EBIT Next 3Y1.33%
EBIT Next 5YN/A
FCF growth 1Y-11.82%
FCF growth 3Y2.53%
FCF growth 5Y0.92%
OCF growth 1Y-12.4%
OCF growth 3Y2.35%
OCF growth 5Y0.81%