B2 IMPACT ASA (B2I.OL) Stock Fundamental Analysis
Europe - OSL:B2I - NO0010633951 - Common Stock
16.77 NOK
-0.41 (-2.39%)
Taking everything into account, B2I scores 6 out of 10 in our fundamental rating. B2I was compared to 9 industry peers in the Consumer Finance industry. B2I gets an excellent profitability rating and is at the same time showing great financial health properties. B2I has a decent growth rate and is not valued too expensively. Finally B2I also has an excellent dividend rating. These ratings could make B2I a good candidate for dividend and quality investing.
1. Profitability
1.1 Basic Checks
B2I had positive earnings in the past year.
B2I had a positive operating cash flow in the past year.
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
B2I has a Return On Assets of 1.63%. This is comparable to the rest of the industry: B2I outperforms 55.56% of its industry peers.
With a Return On Equity value of 5.09%, B2I perfoms like the industry average, outperforming 44.44% of the companies in the same industry.
With an excellent Return On Invested Capital value of 5.78%, B2I belongs to the best of the industry, outperforming 88.89% of the companies in the same industry.
B2I had an Average Return On Invested Capital over the past 3 years of 8.16%. This 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
B2I has a Profit Margin of 8.25%. This is comparable to the rest of the industry: B2I outperforms 55.56% of its industry peers.
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.
With a Gross Margin value of 53.12%, B2I is not doing good in the industry: 66.67% of the companies in the same industry are doing better.
In the last couple of years the Gross Margin of B2I has grown nicely.
| 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.
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
B2I has a debt to FCF ratio of 2.56. This is a good value and a sign of high solvency as B2I would need 2.56 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 2.56, B2I belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
B2I has a Debt/Equity ratio of 1.87. This is a high value indicating a heavy dependency on external financing.
With a decent Debt to Equity ratio value of 1.87, B2I is doing good in the industry, outperforming 66.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.87 | ||
| Debt/FCF | 2.56 | ||
| Altman-Z | N/A |
ROIC/WACC0.61
WACC9.44%
2.3 Liquidity
A Current Ratio of 2.52 indicates that B2I has no problem at all paying its short term obligations.
B2I has a better Current ratio (2.52) 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%.
B2I shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 22.67% yearly.
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.
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 22.36, B2I is valued on the expensive side.
B2I's Price/Earnings ratio is rather cheap when compared to the industry. B2I is cheaper than 88.89% of the companies in the same industry.
B2I is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 25.89, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 8.82 indicates a reasonable valuation of B2I.
Based on the Price/Forward Earnings ratio, B2I is valued a bit cheaper than 77.78% of the companies in the same industry.
B2I's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.59.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.36 | ||
| Fwd PE | 8.82 |
4.2 Price Multiples
77.78% 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 | 1.55 | ||
| 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 41.47% in the coming years.
PEG (NY)0.15
PEG (5Y)0.99
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.
Compared to an average industry Dividend Yield of 2.85, 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 2.42, B2I pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.73% |
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
B2I pays out 278.42% 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.
DP278.42%
EPS Next 2Y59.22%
EPS Next 3Y41.47%
OSL:B2I (11/14/2025, 7:00:00 PM)
16.77
-0.41 (-2.39%)
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 Cap6.20B
Revenue(TTM)3.37B
Net Income(TTM)278.00M
Analysts82.5
Price Target18.95 (13%)
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 | 22.36 | ||
| Fwd PE | 8.82 | ||
| P/S | 1.84 | ||
| P/FCF | 1.55 | ||
| P/OCF | 1.54 | ||
| P/B | 1.14 | ||
| P/tB | 1.33 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.75
EY4.47%
EPS(NY)1.9
Fwd EY11.34%
FCF(TTM)10.81
FCFY64.45%
OCF(TTM)10.92
OCFY65.13%
SpS9.11
BVpS14.76
TBVpS12.57
PEG (NY)0.15
PEG (5Y)0.99
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
WACC9.44%
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 7 / 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%.