B2 IMPACT ASA (B2I.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:B2I - NO0010633951 - Common Stock
20.4 NOK
+0.4 (+2%)
Taking everything into account, B2I scores 7 out of 10 in our fundamental rating. B2I was compared to 10 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 scores decently on growth, while it is valued quite cheap. This could make an interesting combination. Finally 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
- In the past year B2I was profitable.
- In the past year B2I had a positive cash flow from operations.
- Each year in the past 5 years B2I has been profitable.
- In the past 5 years B2I always reported a positive cash flow from operatings.
1.2 Ratios
- B2I has a Return On Assets of 2.96%. This is comparable to the rest of the industry: B2I outperforms 60.00% of its industry peers.
- B2I has a Return On Equity of 8.79%. This is comparable to the rest of the industry: B2I outperforms 50.00% of its industry peers.
- B2I has a Return On Invested Capital of 6.55%. 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 4.52%.
| 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 better Profit Margin (14.02%) than 80.00% of its industry peers.
- In the last couple of years the Profit Margin of B2I has grown nicely.
- B2I's Operating Margin of 38.22% is amongst the best of 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 (55.13%) 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.
- 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
- The Debt to FCF ratio of B2I is 2.19, which is a good value as it means it would take B2I, 2.19 years of fcf income to pay off all of its debts.
- B2I has a better Debt to FCF ratio (2.19) than 90.00% of its industry peers.
- A Debt/Equity ratio of 1.74 is on the high side and indicates that B2I has dependencies on debt financing.
- Looking at the Debt to Equity ratio, with a value of 1.74, B2I is in line with its industry, outperforming 60.00% of the companies in the same industry.
- Even though the debt/equity ratio score it not favorable for B2I, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.74 | ||
| Debt/FCF | 2.19 | ||
| Altman-Z | N/A |
ROIC/WACC0.67
WACC9.85%
2.3 Liquidity
- A Current Ratio of 2.10 indicates that B2I has no problem at all paying its short term obligations.
- Looking at the Current ratio, with a value of 2.10, B2I belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
- B2I has a Quick Ratio of 2.10. This indicates that B2I is financially healthy and has no problem in meeting its short term obligations.
- B2I has a Quick ratio of 2.10. This is amongst the best in the industry. B2I outperforms 100.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.1 | ||
| Quick Ratio | 2.1 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 51.72% over the past year.
- B2I shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 22.67% yearly.
- The Revenue has decreased by -5.42% in the past year.
- B2I shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.10% yearly.
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
- The Earnings Per Share is expected to grow by 39.94% on average over the next years. This is a very strong growth
- 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
- 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 decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 15.45, the valuation of B2I can be described as correct.
- Based on the Price/Earnings ratio, B2I is valued a bit cheaper than 80.00% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.32, B2I is valued a bit cheaper.
- Based on the Price/Forward Earnings ratio of 10.83, the valuation of B2I can be described as reasonable.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of B2I indicates a somewhat cheap valuation: B2I is cheaper than 70.00% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.32, B2I is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.45 | ||
| Fwd PE | 10.83 |
4.2 Price Multiples
- 90.00% of the companies in the same industry are more expensive than B2I, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.7 | ||
| 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.
- A more expensive valuation may be justified as B2I's earnings are expected to grow with 39.94% in the coming years.
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.
- B2I's Dividend Yield is rather good when compared to the industry average which is at 1.51. B2I pays more dividend than 100.00% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.83, 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
- B2I pays out 158.28% 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.
DP158.28%
EPS Next 2Y58.48%
EPS Next 3Y39.94%
OSL:B2I (1/22/2026, 7:00:00 PM)
20.4
+0.4 (+2%)
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 Cap7.54B
Revenue(TTM)3.49B
Net Income(TTM)489.00M
Analysts82.5
Price Target18.92 (-7.25%)
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 | 15.45 | ||
| Fwd PE | 10.83 | ||
| P/S | 2.16 | ||
| P/FCF | 1.7 | ||
| P/OCF | 1.69 | ||
| P/B | 1.36 | ||
| P/tB | 1.58 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.32
EY6.47%
EPS(NY)1.88
Fwd EY9.23%
FCF(TTM)11.98
FCFY58.71%
OCF(TTM)12.09
OCFY59.25%
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
WACC9.85%
ROIC/WACC0.67
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%.