B2 IMPACT ASA (B2I.OL) Stock Fundamental Analysis
OSL:B2I - Euronext Oslo - NO0010633951 - Common Stock - Currency: NOK
Taking everything into account, B2I scores 6 out of 10 in our fundamental rating. B2I was compared to 7 industry peers in the Consumer Finance industry. Both the health and profitability get an excellent rating, making B2I a very profitable company, without any liquidiy or solvency issues. B2I is valued quite cheap, while showing a decent growth score. This is a good combination! 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
In the past year B2I was profitable.
In the past year B2I had a positive cash flow from operations.
In the past 5 years B2I has always been profitable.
In the past 5 years B2I always reported a positive cash flow from operatings.
1.2 Ratios
With a decent Return On Assets value of 1.81%, B2I is doing good in the industry, outperforming 71.43% of the companies in the same industry.
With a Return On Equity value of 5.47%, B2I perfoms like the industry average, outperforming 42.86% of the companies in the same industry.
B2I's Return On Invested Capital of 6.13% is amongst the best of the industry. B2I outperforms 85.71% 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 4.95%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.81% | ||
| ROE | 5.47% | ||
| ROIC | 6.13% |
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 9.00%, B2I is in line with its industry, outperforming 57.14% of the companies in the same industry.
B2I's Profit Margin has improved in the last couple of years.
B2I has a better Operating Margin (36.64%) than 100.00% of its industry peers.
In the last couple of years the Operating Margin of B2I has grown nicely.
The Gross Margin of B2I (53.43%) is comparable to the rest of the industry.
In the last couple of years the Gross Margin of B2I has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 36.64% | ||
| PM (TTM) | 9% | ||
| GM | 53.43% |
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.
B2I has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, B2I has an improved debt to assets ratio.
2.2 Solvency
B2I has a debt to FCF ratio of 2.57. This is a good value and a sign of high solvency as B2I would need 2.57 years to pay back of all of its debts.
The Debt to FCF ratio of B2I (2.57) is better than 85.71% of its industry peers.
A Debt/Equity ratio of 1.73 is on the high side and indicates that B2I has dependencies on debt financing.
B2I has a Debt to Equity ratio (1.73) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.73 | ||
| Debt/FCF | 2.57 | ||
| Altman-Z | N/A |
ROIC/WACC0.75
WACC8.12%
2.3 Liquidity
A Current Ratio of 2.44 indicates that B2I has no problem at all paying its short term obligations.
B2I's Current ratio of 2.44 is amongst the best of the industry. B2I outperforms 100.00% of its industry peers.
B2I has a Quick Ratio of 2.44. This indicates that B2I is financially healthy and has no problem in meeting its short term obligations.
With an excellent Quick ratio value of 2.44, B2I belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.44 | ||
| Quick Ratio | 2.44 |
3. Growth
3.1 Past
B2I shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -11.46%.
B2I shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 22.67% yearly.
Looking at the last year, B2I shows a decrease in Revenue. The Revenue has decreased by -8.98% 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)-11.46%
EPS 3Y-18.59%
EPS 5Y22.67%
EPS Q2Q%40%
Revenue 1Y (TTM)-8.98%
Revenue growth 3Y3.97%
Revenue growth 5Y4.1%
Sales Q2Q%1.81%
3.2 Future
The Earnings Per Share is expected to grow by 38.08% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 0.79% 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-4.16%
Revenue Next 2Y-0.03%
Revenue Next 3Y0.79%
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 rather expensively with a Price/Earnings ratio of 18.33.
B2I's Price/Earnings ratio is a bit cheaper when compared to the industry. B2I is cheaper than 71.43% of the companies in the same industry.
When comparing the Price/Earnings ratio of B2I to the average of the S&P500 Index (27.41), we can say B2I is valued slightly cheaper.
B2I is valuated reasonably with a Price/Forward Earnings ratio of 9.64.
Based on the Price/Forward Earnings ratio, B2I is valued a bit cheaper than the industry average as 71.43% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 35.19, B2I is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.33 | ||
| Fwd PE | 9.64 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, B2I is valued cheaply inside the industry as 85.71% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.5 | ||
| 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)0.18
PEG (5Y)0.81
EPS Next 2Y46.79%
EPS Next 3Y38.08%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 9.72%, B2I is a good candidate for dividend investing.
B2I's Dividend Yield is rather good when compared to the industry average which is at 3.05. 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 2.35.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.72% |
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 154.02% of its income as dividend. This is not a sustainable payout ratio.
B2I's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP154.02%
EPS Next 2Y46.79%
EPS Next 3Y38.08%
OSL:B2I (7/14/2025, 4:19:46 PM)
15.58
+0.24 (+1.56%)
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 Cap5.74B
Analysts80
Price Target13.95 (-10.46%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.72% |
Yearly Dividend1.3
Dividend Growth(5Y)32.9%
DP154.02%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-46.56%
Min EPS beat(2)-83.12%
Max EPS beat(2)-9.99%
EPS beat(4)1
Avg EPS beat(4)-69.57%
Min EPS beat(4)-252.32%
Max EPS beat(4)67.16%
EPS beat(8)2
Avg EPS beat(8)-36.09%
EPS beat(12)4
Avg EPS beat(12)-31.78%
EPS beat(16)6
Avg EPS beat(16)-22.07%
Revenue beat(2)1
Avg Revenue beat(2)-2.53%
Min Revenue beat(2)-6.16%
Max Revenue beat(2)1.09%
Revenue beat(4)3
Avg Revenue beat(4)3.04%
Min Revenue beat(4)-6.16%
Max Revenue beat(4)16.17%
Revenue beat(8)5
Avg Revenue beat(8)3.16%
Revenue beat(12)9
Avg Revenue beat(12)3.01%
Revenue beat(16)11
Avg Revenue beat(16)1.85%
PT rev (1m)0%
PT rev (3m)9.62%
EPS NQ rev (1m)-2.22%
EPS NQ rev (3m)-5.98%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.16%
Revenue NQ rev (1m)-1.2%
Revenue NQ rev (3m)-0.44%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.19%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.33 | ||
| Fwd PE | 9.64 | ||
| P/S | 1.66 | ||
| P/FCF | 1.5 | ||
| P/OCF | 1.49 | ||
| P/B | 1.01 | ||
| P/tB | 1.17 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.85
EY5.46%
EPS(NY)1.62
Fwd EY10.37%
FCF(TTM)10.37
FCFY66.53%
OCF(TTM)10.46
OCFY67.12%
SpS9.38
BVpS15.44
TBVpS13.32
PEG (NY)0.18
PEG (5Y)0.81
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.81% | ||
| ROE | 5.47% | ||
| ROCE | 7.9% | ||
| ROIC | 6.13% | ||
| ROICexc | 7.09% | ||
| ROICexgc | 7.52% | ||
| OM | 36.64% | ||
| PM (TTM) | 9% | ||
| GM | 53.43% | ||
| FCFM | 110.56% |
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 | 1.73 | ||
| Debt/FCF | 2.57 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.98% | ||
| Interest Coverage | 1.45 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 1228.3% | ||
| Current Ratio | 2.44 | ||
| Quick Ratio | 2.44 | ||
| Altman-Z | N/A |
F-Score3
WACC8.12%
ROIC/WACC0.75
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)-11.46%
EPS 3Y-18.59%
EPS 5Y22.67%
EPS Q2Q%40%
EPS Next Y104.02%
EPS Next 2Y46.79%
EPS Next 3Y38.08%
EPS Next 5YN/A
Revenue 1Y (TTM)-8.98%
Revenue growth 3Y3.97%
Revenue growth 5Y4.1%
Sales Q2Q%1.81%
Revenue Next Year-4.16%
Revenue Next 2Y-0.03%
Revenue Next 3Y0.79%
Revenue Next 5YN/A
EBIT growth 1Y-3.14%
EBIT growth 3Y11.23%
EBIT growth 5Y12.6%
EBIT Next Year-0.54%
EBIT Next 3Y2.44%
EBIT Next 5YN/A
FCF growth 1Y23.62%
FCF growth 3Y2.53%
FCF growth 5Y0.92%
OCF growth 1Y23.68%
OCF growth 3Y2.35%
OCF growth 5Y0.81%