DNB BANK ASA(OSL:DNB) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, DNB scores 3 out of 10 in our fundamental rating. DNB was compared to 99 industry peers in the Banks industry. There are concerns on the financial health of DNB while its profitability can be described as average. While showing a medium growth rate, DNB is valued expensive at the moment. DNB also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year DNB was profitable.

In the past year DNB has reported a negative cash flow from operations.

DNB had positive earnings in each of the past 5 years.

Of the past 5 years DNB 4 years had a positive operating cash flow.

1.2 Ratios

The Return On Assets of DNB (1.21%) is better than 74.19% of its industry peers.

DNB has a better Return On Equity (15.50%) than 75.27% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.21%
ROE	15.5%
ROIC	N/A

ROA(3y)1.11%

ROA(5y)0.96%

ROE(3y)14.24%

ROE(5y)12.06%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

DNB has a Profit Margin of 48.54%. This is amongst the best in the industry. DNB outperforms 97.85% of its industry peers.

DNB's Profit Margin has improved in the last couple of years.

DNB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	48.54%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y7.29%

PM growth 5Y3.65%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

DNB does not have a ROIC to compare to the WACC, probably because it is not profitable.

DNB has less shares outstanding than it did 1 year ago.

Compared to 5 years ago, DNB has less shares outstanding

Compared to 1 year ago, DNB has a worse debt to assets ratio.

2.2 Solvency

A Debt/Equity ratio of 3.57 is on the high side and indicates that DNB has dependencies on debt financing.

The Debt to Equity ratio of DNB (3.57) is worse than 76.34% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	3.57
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC9.63%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

DNB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.18%, which is quite good.

DNB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.58% yearly.

Looking at the last year, DNB shows a small growth in Revenue. The Revenue has grown by 5.58% in the last year.

The Revenue has been growing by 8.30% on average over the past years. This is quite good.

EPS 1Y (TTM)13.18%

EPS 3Y21.86%

EPS 5Y12.58%

EPS Q2Q%26.76%

Revenue 1Y (TTM)5.58%

Revenue growth 3Y13.33%

Revenue growth 5Y8.3%

Sales Q2Q%10.2%

3.2 Future

Based on estimates for the next years, DNB will show a decrease in Earnings Per Share. The EPS will decrease by -3.84% on average per year.

Based on estimates for the next years, DNB will show a small growth in Revenue. The Revenue will grow by 1.26% on average per year.

EPS Next Y-8.89%

EPS Next 2Y-5.93%

EPS Next 3Y-3.84%

EPS Next 5YN/A

Revenue Next Year1.24%

Revenue Next 2Y0.74%

Revenue Next 3Y1.26%

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 9.00, the valuation of DNB can be described as reasonable.

DNB's Price/Earnings is on the same level as the industry average.

The average S&P500 Price/Earnings ratio is at 29.35. DNB is valued rather cheaply when compared to this.

Based on the Price/Forward Earnings ratio of 9.88, the valuation of DNB can be described as reasonable.

Compared to the rest of the industry, the Price/Forward Earnings ratio of DNB is on the same level as its industry peers.

DNB is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.10, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	9
Fwd PE	9.88

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

DNB's earnings are expected to decrease with -3.84% in the coming years. This may justify a cheaper valuation.

PEG (NY)N/A

PEG (5Y)0.72

EPS Next 2Y-5.93%

EPS Next 3Y-3.84%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.37%, DNB is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 5.06, DNB pays a bit more dividend than its industry peers.

Compared to an average S&P500 Dividend Yield of 2.33, DNB pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	6.37%

5.2 History

The dividend of DNB is nicely growing with an annual growth rate of 17.85%!

Dividend Growth(5Y)17.85%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

55.06% of the earnings are spent on dividend by DNB. This is a bit on the high side, but may be sustainable.

The Dividend Rate of DNB has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.

DP55.06%

EPS Next 2Y-5.93%

EPS Next 3Y-3.84%

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DNB BANK ASA

OSL:DNB (3/7/2025, 7:00:00 PM)

265.4

+2.6 (+0.99%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-05 2025-02-05/bmo

Earnings (Next)05-07 2025-05-07

Inst Owners46.37%

Inst Owner ChangeN/A

Ins Owners0.02%

Ins Owner ChangeN/A

Market Cap396.12B

Analysts65.6

Price Target255.9 (-3.58%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.37%

Yearly Dividend16.1

Dividend Growth(5Y)17.85%

DP55.06%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)21.66%

Min EPS beat(2)18.01%

Max EPS beat(2)25.3%

EPS beat(4)4

Avg EPS beat(4)14.77%

Min EPS beat(4)4.37%

Max EPS beat(4)25.3%

EPS beat(8)8

Avg EPS beat(8)12.07%

EPS beat(12)11

Avg EPS beat(12)12.81%

EPS beat(16)15

Avg EPS beat(16)12.66%

Revenue beat(2)2

Avg Revenue beat(2)5.3%

Min Revenue beat(2)2.65%

Max Revenue beat(2)7.96%

Revenue beat(4)3

Avg Revenue beat(4)3.25%

Min Revenue beat(4)-3.65%

Max Revenue beat(4)7.96%

Revenue beat(8)6

Avg Revenue beat(8)3.13%

Revenue beat(12)9

Avg Revenue beat(12)4.73%

Revenue beat(16)13

Avg Revenue beat(16)5.82%

PT rev (1m)5.15%

PT rev (3m)5.51%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-2.91%

EPS NY rev (1m)5.27%

EPS NY rev (3m)7.43%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-1.07%

Revenue NY rev (1m)2.16%

Revenue NY rev (3m)7.41%

Valuation

		Industry Rank	Sector Rank
PE	9
Fwd PE	9.88
P/S	4.38
P/FCF	N/A
P/OCF	N/A
P/B	1.4
P/tB	1.45
EV/EBITDA	N/A

EPS(TTM)29.49

EY11.11%

EPS(NY)26.87

Fwd EY10.12%

FCF(TTM)-106.61

FCFYN/A

OCF(TTM)-104.82

OCFYN/A

SpS60.55

BVpS189.68

TBVpS182.49

PEG (NY)N/A

PEG (5Y)0.72

Profitability

		Industry Rank	Sector Rank
ROA	1.21%
ROE	15.5%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	48.54%
GM	N/A
FCFM	N/A

ROA(3y)1.11%

ROA(5y)0.96%

ROE(3y)14.24%

ROE(5y)12.06%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y7.29%

PM growth 5Y3.65%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	3.57
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	2.96%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC9.63%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)4.07%

Cap/Sales(5y)5.15%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)13.18%

EPS 3Y21.86%

EPS 5Y12.58%

EPS Q2Q%26.76%

EPS Next Y-8.89%

EPS Next 2Y-5.93%

EPS Next 3Y-3.84%

EPS Next 5YN/A

Revenue 1Y (TTM)5.58%

Revenue growth 3Y13.33%

Revenue growth 5Y8.3%

Sales Q2Q%10.2%

Revenue Next Year1.24%

Revenue Next 2Y0.74%

Revenue Next 3Y1.26%

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-361739%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-3892.58%

OCF growth 3YN/A

OCF growth 5YN/A

DNB BANK ASA (DNB.OL) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

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4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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