B2 IMPACT ASA (B2I.OL) Stock Fundamental Analysis
Europe - OSL:B2I - NO0010633951 - Common Stock
16.4 NOK
-0.04 (-0.24%)
B2I gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 10 industry peers in the Consumer Finance industry. B2I has an average financial health and profitability rating. B2I has a decent growth rate and is not valued too expensively. B2I also has an excellent dividend rating. These ratings would make B2I suitable for 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.
B2I had positive earnings in each of the past 5 years.
In the past 5 years B2I always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.63%, B2I is in line with its industry, outperforming 50.00% of the companies in the same industry.
Looking at the Return On Equity, with a value of 5.09%, B2I is doing worse than 60.00% of the companies in the same industry.
B2I has a Return On Invested Capital of 5.78%. This is amongst the best in the industry. B2I outperforms 90.00% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for B2I is above the industry average of 4.43%.
| 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
With a Profit Margin value of 8.25%, B2I perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
In the last couple of years the Profit Margin of B2I has grown nicely.
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 has a worse Gross Margin (53.12%) than 60.00% 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
B2I has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it 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.
B2I has a better debt/assets ratio than last year.
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's Debt to FCF ratio of 2.56 is amongst the best of 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.
The Debt to Equity ratio of B2I (1.87) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.87 | ||
| Debt/FCF | 2.56 | ||
| Altman-Z | N/A |
ROIC/WACC0.61
WACC9.49%
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.
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.
With an excellent Quick ratio value of 2.52, B2I belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.52 | ||
| Quick Ratio | 2.52 |
3. Growth
3.1 Past
B2I shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -36.97%.
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%.
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)-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
Based on estimates for the next years, B2I will show a very strong growth in Earnings Per Share. The EPS will grow by 41.47% on average per year.
Based on estimates for the next years, B2I will show a small growth in Revenue. The Revenue will grow by 3.32% on average per year.
EPS Next Y152.5%
EPS Next 2Y59.22%
EPS Next 3Y41.47%
EPS Next 5YN/A
Revenue Next Year4.19%
Revenue Next 2Y2%
Revenue Next 3Y3.32%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 21.87, B2I is valued on the expensive side.
Based on the Price/Earnings ratio, B2I is valued a bit cheaper than the industry average as 80.00% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of B2I to the average of the S&P500 Index (25.51), we can say B2I is valued inline with the index average.
A Price/Forward Earnings ratio of 8.63 indicates a reasonable 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 80.00% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 34.98. B2I is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.87 | ||
| Fwd PE | 8.63 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, B2I is valued a bit cheaper than 80.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.52 | ||
| 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 41.47% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.14
PEG (5Y)0.96
EPS Next 2Y59.22%
EPS Next 3Y41.47%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 8.73%, B2I is a good candidate for dividend investing.
B2I's Dividend Yield is rather good when compared to the industry average which is at 2.85. B2I pays more dividend than 100.00% of the companies in the same industry.
B2I's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.73% |
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 278.42% of its income as dividend. 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 2Y59.22%
EPS Next 3Y41.47%
OSL:B2I (11/19/2025, 2:49:27 PM)
16.4
-0.04 (-0.24%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners20%
Inst Owner ChangeN/A
Ins Owners1.45%
Ins Owner ChangeN/A
Market Cap6.06B
Revenue(TTM)3.37B
Net Income(TTM)278.00M
Analysts82.5
Price Target18.95 (15.55%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.73% |
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)28.1%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)23.76%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)7.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.87 | ||
| Fwd PE | 8.63 | ||
| P/S | 1.8 | ||
| P/FCF | 1.52 | ||
| P/OCF | 1.5 | ||
| P/B | 1.11 | ||
| P/tB | 1.3 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.75
EY4.57%
EPS(NY)1.9
Fwd EY11.59%
FCF(TTM)10.81
FCFY65.9%
OCF(TTM)10.92
OCFY66.59%
SpS9.11
BVpS14.76
TBVpS12.57
PEG (NY)0.14
PEG (5Y)0.96
Graham Number15.78
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
WACC9.49%
ROIC/WACC0.61
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 Y152.5%
EPS Next 2Y59.22%
EPS Next 3Y41.47%
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 Year10.82%
EBIT Next 3Y5.53%
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 6 / 10 to B2 IMPACT ASA (B2I.OL). This can be considered as Fairly Valued.
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 expected EPS growth for B2I stock?
The Earnings per Share (EPS) of B2 IMPACT ASA (B2I.OL) is expected to grow by 152.5% 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%.