B2 IMPACT ASA (B2I.OL) Stock Fundamental Analysis
Europe - OSL:B2I - NO0010633951 - Common Stock
17.24 NOK
-0.06 (-0.35%)
Overall B2I gets a fundamental rating of 6 out of 10. We evaluated B2I against 8 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! Finally 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.
In the past year B2I had a positive cash flow from operations.
In the past 5 years B2I has always been profitable.
B2I had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
B2I has a better Return On Assets (1.63%) than 75.00% of its industry peers.
Looking at the Return On Equity, with a value of 5.09%, B2I is in line with its industry, outperforming 50.00% of the companies in the same industry.
B2I has a better Return On Invested Capital (5.78%) than 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 4.43%.
| 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
Looking at the Profit Margin, with a value of 8.25%, B2I is in the better half of the industry, outperforming 62.50% of the companies in the same industry.
In the last couple of years the Profit Margin of B2I has grown nicely.
With an excellent Operating Margin value of 35.82%, B2I belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
In the last couple of years the Operating Margin of B2I has grown nicely.
Looking at the Gross Margin, with a value of 53.12%, B2I is in line with its industry, outperforming 50.00% of the companies in the same industry.
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.
B2I has about the same amout of shares outstanding than it did 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 2.56, which is a good value as it means it would take B2I, 2.56 years of fcf income to pay off all of its debts.
B2I has a Debt to FCF ratio of 2.56. This is amongst the best in the industry. B2I outperforms 100.00% 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.
Looking at the Debt to Equity ratio, with a value of 1.87, B2I is in line with its industry, outperforming 50.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.87 | ||
| Debt/FCF | 2.56 | ||
| Altman-Z | N/A |
ROIC/WACC0.65
WACC8.83%
2.3 Liquidity
A Current Ratio of 2.52 indicates that B2I has no problem at all paying its short term obligations.
B2I's Current ratio of 2.52 is amongst the best of the industry. B2I outperforms 87.50% 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.
Looking at the Quick ratio, with a value of 2.52, B2I belongs to the top of the industry, outperforming 87.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.52 | ||
| Quick Ratio | 2.52 |
3. Growth
3.1 Past
The earnings per share for B2I have decreased strongly by -36.97% in the last year.
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 -11.29%.
B2I shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.10% yearly.
EPS 1Y (TTM)-36.97%
EPS 3Y-18.59%
EPS 5Y22.67%
EPS Q2Q%-15.38%
Revenue 1Y (TTM)-11.29%
Revenue growth 3Y3.97%
Revenue growth 5Y4.1%
Sales Q2Q%-8.72%
3.2 Future
The Earnings Per Share is expected to grow by 37.96% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 3.32% on average over the next years.
EPS Next Y113.11%
EPS Next 2Y49.18%
EPS Next 3Y37.96%
EPS Next 5YN/A
Revenue Next Year4.19%
Revenue Next 2Y2%
Revenue Next 3Y3.32%
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.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 22.99, B2I is valued on the expensive side.
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 27.38. B2I is around the same levels.
The Price/Forward Earnings ratio is 10.33, which indicates a very decent 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 75.00% of the companies listed in the same industry.
B2I is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.86, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.99 | ||
| Fwd PE | 10.33 |
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 | 1.6 | ||
| 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.
A more expensive valuation may be justified as B2I's earnings are expected to grow with 37.96% in the coming years.
PEG (NY)0.2
PEG (5Y)1.01
EPS Next 2Y49.18%
EPS Next 3Y37.96%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 9.16%, B2I is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.00, B2I pays a better dividend. On top of this B2I pays more dividend than 100.00% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.38, B2I pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.16% |
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 around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP278.42%
EPS Next 2Y49.18%
EPS Next 3Y37.96%
OSL:B2I (9/19/2025, 7:00:00 PM)
17.24
-0.06 (-0.35%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners20.72%
Inst Owner ChangeN/A
Ins Owners1.46%
Ins Owner ChangeN/A
Market Cap6.37B
Analysts82.5
Price Target18.95 (9.92%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.16% |
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)28.1%
PT rev (3m)35.83%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)4.46%
EPS NY rev (3m)4.46%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)7.05%
Revenue NY rev (3m)8.72%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.99 | ||
| Fwd PE | 10.33 | ||
| P/S | 1.89 | ||
| P/FCF | 1.6 | ||
| P/OCF | 1.58 | ||
| P/B | 1.17 | ||
| P/tB | 1.37 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.75
EY4.35%
EPS(NY)1.67
Fwd EY9.68%
FCF(TTM)10.81
FCFY62.69%
OCF(TTM)10.92
OCFY63.35%
SpS9.11
BVpS14.76
TBVpS12.57
PEG (NY)0.2
PEG (5Y)1.01
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%
ROICexcg growth 3Y-0.15%
ROICexcg 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
WACC8.83%
ROIC/WACC0.65
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)-36.97%
EPS 3Y-18.59%
EPS 5Y22.67%
EPS Q2Q%-15.38%
EPS Next Y113.11%
EPS Next 2Y49.18%
EPS Next 3Y37.96%
EPS Next 5YN/A
Revenue 1Y (TTM)-11.29%
Revenue growth 3Y3.97%
Revenue growth 5Y4.1%
Sales Q2Q%-8.72%
Revenue Next Year4.19%
Revenue Next 2Y2%
Revenue Next 3Y3.32%
Revenue Next 5YN/A
EBIT growth 1Y-14.09%
EBIT growth 3Y11.23%
EBIT growth 5Y12.6%
EBIT Next Year-0.54%
EBIT Next 3Y2.44%
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%