B2 IMPACT ASA (B2I.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:B2I - NO0010633951 - Common Stock
19.52 NOK
-0.08 (-0.41%)
B2I gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 9 industry peers in the Consumer Finance industry. Both the profitability and the financial health of B2I get a neutral evaluation. Nothing too spectacular is happening here. B2I scores decently on growth, while it is valued quite cheap. This could make an interesting combination. 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
In the past year B2I was profitable.
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
Looking at the Return On Assets, with a value of 1.63%, B2I is doing worse than 66.67% of the companies in the same industry.
Looking at the Return On Equity, with a value of 5.09%, B2I is doing worse than 66.67% of the companies in the same industry.
The Return On Invested Capital of B2I (5.78%) is better than 88.89% of its industry peers.
The Average Return On Invested Capital over the past 3 years for B2I is above the industry average of 4.39%.
| 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
With a Profit Margin value of 8.25%, B2I perfoms like the industry average, outperforming 44.44% of the companies in the same industry.
B2I's Profit Margin has improved in the last couple of years.
B2I has a Operating Margin of 35.82%. 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.
B2I's Gross Margin of 53.12% is in line compared to the rest of the industry. B2I outperforms 44.44% 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
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), B2I is creating some 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
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 77.78% of its industry peers.
B2I has a Debt/Equity ratio of 1.87. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 1.87, B2I perfoms like the industry average, outperforming 55.56% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.87 | ||
| Debt/FCF | 2.56 | ||
| Altman-Z | N/A |
ROIC/WACC0.71
WACC8.15%
2.3 Liquidity
A Current Ratio of 2.52 indicates that B2I has no problem at all paying its short term obligations.
The Current ratio of B2I (2.52) is better than 100.00% of its industry peers.
B2I has a Quick Ratio of 2.52. This indicates that B2I is financially healthy and has no problem in meeting 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.
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.
Looking at the last year, B2I shows a very negative growth in Revenue. The Revenue has decreased by -11.17% in the last year.
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.
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 3Y39.94%
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
B2I is valuated correctly with a Price/Earnings ratio of 14.79.
66.67% of the companies in the same industry are more expensive than B2I, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of B2I to the average of the S&P500 Index (26.92), we can say B2I is valued slightly cheaper.
The Price/Forward Earnings ratio is 10.36, which indicates a very decent valuation of B2I.
B2I's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of B2I to the average of the S&P500 Index (23.57), we can say B2I is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.79 | ||
| Fwd PE | 10.36 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, B2I is valued cheaply inside the industry as 88.89% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.81 | ||
| 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.
The decent profitability rating of B2I may justify a higher PE ratio.
B2I's earnings are expected to grow with 39.94% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.1
PEG (5Y)0.65
EPS Next 2Y58.48%
EPS Next 3Y39.94%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 8.22%, B2I is a good candidate for dividend investing.
B2I's Dividend Yield is rather good when compared to the industry average which is at 1.76. B2I pays more dividend than 100.00% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 1.94, B2I pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.22% |
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 3Y39.94%
OSL:B2I (1/8/2026, 4:19:50 PM)
19.52
-0.08 (-0.41%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners20.46%
Inst Owner ChangeN/A
Ins Owners0.84%
Ins Owner ChangeN/A
Market Cap7.22B
Revenue(TTM)3.44B
Net Income(TTM)278.00M
Analysts82.5
Price Target18.92 (-3.07%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.22% |
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)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 | 14.79 | ||
| Fwd PE | 10.36 | ||
| P/S | 2.14 | ||
| P/FCF | 1.81 | ||
| P/OCF | 1.79 | ||
| P/B | 1.32 | ||
| P/tB | 1.55 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.32
EY6.76%
EPS(NY)1.88
Fwd EY9.65%
FCF(TTM)10.81
FCFY55.37%
OCF(TTM)10.92
OCFY55.95%
SpS9.11
BVpS14.76
TBVpS12.57
PEG (NY)0.1
PEG (5Y)0.65
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
WACC8.15%
ROIC/WACC0.71
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 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 6 / 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%.