B2 IMPACT ASA (B2I.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:B2I - NO0010633951 - Common Stock
20.25 NOK
+0.1 (+0.5%)
Overall B2I gets a fundamental rating of 7 out of 10. We evaluated B2I against 10 industry peers in the Consumer Finance industry. B2I scores excellent points on both the profitability and health parts. This is a solid base for a good stock. B2I may be a bit undervalued, certainly considering the very reasonable score on growth B2I also has an excellent dividend rating. With these ratings, B2I could be worth investigating further for value and dividend and quality 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.
- In the past 5 years B2I always reported a positive cash flow from operatings.
1.2 Ratios
- With a Return On Assets value of 2.96%, B2I perfoms like the industry average, outperforming 60.00% of the companies in the same industry.
- B2I's Return On Equity of 8.79% is in line compared to the rest of the industry. B2I outperforms 50.00% of its industry peers.
- With an excellent Return On Invested Capital value of 6.55%, B2I belongs to the best of the industry, outperforming 90.00% of the companies in the same industry.
- Measured over the past 3 years, the Average Return On Invested Capital for B2I is above the industry average of 4.52%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.96% | ||
| ROE | 8.79% | ||
| ROIC | 6.55% |
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
- B2I has a Profit Margin of 14.02%. This is in the better half of the industry: B2I outperforms 80.00% of its industry peers.
- In the last couple of years the Profit Margin of B2I has grown nicely.
- With an excellent Operating Margin value of 38.22%, B2I belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
- B2I's Operating Margin has improved in the last couple of years.
- The Gross Margin of B2I (55.13%) is worse than 60.00% of its industry peers.
- B2I's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 38.22% | ||
| PM (TTM) | 14.02% | ||
| GM | 55.13% |
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.
- B2I has about the same amout of shares outstanding than it did 1 year ago.
- 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 2.19. This is a good value and a sign of high solvency as B2I would need 2.19 years to pay back of all of its debts.
- Looking at the Debt to FCF ratio, with a value of 2.19, B2I belongs to the top of the industry, outperforming 90.00% 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.
- The Debt to Equity ratio of B2I (1.74) is comparable to the rest of the industry.
- Although B2I does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.74 | ||
| Debt/FCF | 2.19 | ||
| Altman-Z | N/A |
ROIC/WACC0.66
WACC9.86%
2.3 Liquidity
- A Current Ratio of 2.10 indicates that B2I has no problem at all paying its short term obligations.
- B2I's Current ratio of 2.10 is amongst the best of the industry. B2I outperforms 100.00% of its industry peers.
- A Quick Ratio of 2.10 indicates that B2I has no problem at all paying its short term obligations.
- B2I has a better Quick ratio (2.10) than 100.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.1 | ||
| Quick Ratio | 2.1 |
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.
- The Revenue has decreased by -5.42% in the past 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)-5.42%
Revenue growth 3Y3.97%
Revenue growth 5Y4.1%
Sales Q2Q%13.21%
3.2 Future
- B2I is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 39.94% yearly.
- 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
- A Price/Earnings ratio of 15.34 indicates a correct valuation of B2I.
- 80.00% of the companies in the same industry are more expensive than B2I, based on the Price/Earnings ratio.
- The average S&P500 Price/Earnings ratio is at 27.38. B2I is valued slightly cheaper when compared to this.
- B2I is valuated reasonably with a Price/Forward Earnings ratio of 10.75.
- Based on the Price/Forward Earnings ratio, B2I is valued a bit cheaper than the industry average as 70.00% of the companies are valued more expensively.
- When comparing the Price/Forward Earnings ratio of B2I to the average of the S&P500 Index (24.29), we can say B2I is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.34 | ||
| Fwd PE | 10.75 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of B2I indicates a rather cheap valuation: B2I is cheaper than 90.00% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.69 | ||
| 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.
- B2I has a very decent profitability rating, which 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)0.68
EPS Next 2Y58.48%
EPS Next 3Y39.94%
5. Dividend
5.1 Amount
- B2I has a Yearly Dividend Yield of 7.55%, which is a nice return.
- Compared to an average industry Dividend Yield of 1.51, 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 1.85, B2I pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.55% |
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
- 158.28% of the earnings are spent on dividend by B2I. This is not a sustainable payout ratio.
- B2I's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP158.28%
EPS Next 2Y58.48%
EPS Next 3Y39.94%
OSL:B2I (1/19/2026, 4:19:58 PM)
20.25
+0.1 (+0.5%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-06 2025-11-06/bmo
Earnings (Next)02-12 2026-02-12/amc
Inst Owners20.46%
Inst Owner ChangeN/A
Ins Owners0.84%
Ins Owner ChangeN/A
Market Cap7.49B
Revenue(TTM)3.49B
Net Income(TTM)489.00M
Analysts82.5
Price Target18.92 (-6.57%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.55% |
Yearly Dividend1.3
Dividend Growth(5Y)32.9%
DP158.28%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)14.96%
Min EPS beat(2)-18.59%
Max EPS beat(2)48.51%
EPS beat(4)1
Avg EPS beat(4)-15.8%
Min EPS beat(4)-83.12%
Max EPS beat(4)48.51%
EPS beat(8)2
Avg EPS beat(8)-33.35%
EPS beat(12)4
Avg EPS beat(12)-24.71%
EPS beat(16)5
Avg EPS beat(16)-23.8%
Revenue beat(2)2
Avg Revenue beat(2)6.31%
Min Revenue beat(2)4.24%
Max Revenue beat(2)8.38%
Revenue beat(4)3
Avg Revenue beat(4)1.89%
Min Revenue beat(4)-6.16%
Max Revenue beat(4)8.38%
Revenue beat(8)6
Avg Revenue beat(8)3.16%
Revenue beat(12)9
Avg Revenue beat(12)3.56%
Revenue beat(16)12
Avg Revenue beat(16)2.49%
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 | 15.34 | ||
| Fwd PE | 10.75 | ||
| P/S | 2.15 | ||
| P/FCF | 1.69 | ||
| P/OCF | 1.68 | ||
| P/B | 1.35 | ||
| P/tB | 1.57 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.32
EY6.52%
EPS(NY)1.88
Fwd EY9.3%
FCF(TTM)11.98
FCFY59.14%
OCF(TTM)12.09
OCFY59.69%
SpS9.43
BVpS15.05
TBVpS12.88
PEG (NY)0.1
PEG (5Y)0.68
Graham Number21.14
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.96% | ||
| ROE | 8.79% | ||
| ROCE | 8.53% | ||
| ROIC | 6.55% | ||
| ROICexc | 7.16% | ||
| ROICexgc | 7.59% | ||
| OM | 38.22% | ||
| PM (TTM) | 14.02% | ||
| GM | 55.13% | ||
| FCFM | 126.95% |
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-Score5
Asset Turnover0.21
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.74 | ||
| Debt/FCF | 2.19 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 1.18% | ||
| Interest Coverage | 1.76 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 905.52% | ||
| Current Ratio | 2.1 | ||
| Quick Ratio | 2.1 | ||
| Altman-Z | N/A |
F-Score5
WACC9.86%
ROIC/WACC0.66
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)-5.42%
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-7.49%
EBIT growth 3Y11.23%
EBIT growth 5Y12.6%
EBIT Next Year14.69%
EBIT Next 3Y5.1%
EBIT Next 5YN/A
FCF growth 1Y27.42%
FCF growth 3Y2.53%
FCF growth 5Y0.92%
OCF growth 1Y26.14%
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 7 / 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 7 / 10.
Can you provide the financial health for B2I stock?
The financial health rating of B2 IMPACT ASA (B2I.OL) is 7 / 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 158.28%.