DNB BANK ASA (DNB.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:DNB - NO0010161896 - Common Stock
271.7 NOK
-1.9 (-0.69%)
DNB gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 106 industry peers in the Banks industry. DNB has a medium profitability rating, but doesn't score so well on its financial health evaluation. DNB has a correct valuation and a medium growth rate. DNB also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
DNB had positive earnings in the past year.
DNB had a negative operating cash flow in the past year.
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
With a decent Return On Assets value of 1.13%, DNB is doing good in the industry, outperforming 75.22% of the companies in the same industry.
Looking at the Return On Equity, with a value of 15.15%, DNB is in the better half of the industry, outperforming 79.65% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.13% | ||
| ROE | 15.15% | ||
| 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 45.71%. This is amongst the best in the industry. DNB outperforms 97.35% of its industry peers.
In the last couple of years the Profit Margin of DNB has grown nicely.
The Operating Margin and Gross Margin are not available for DNB so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 45.71% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y5.83%
PM growth 5Y2.81%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
DNB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for DNB has been reduced compared to 1 year ago.
The number of shares outstanding for DNB has been reduced compared to 5 years ago.
The debt/assets ratio for DNB is higher compared to a year ago.
2.2 Solvency
DNB has a Debt/Equity ratio of 3.43. This is a high value indicating a heavy dependency on external financing.
DNB has a worse Debt to Equity ratio (3.43) than 77.88% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.43 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.13%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
DNB shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 4.50%.
DNB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.47% yearly.
Looking at the last year, DNB shows a small growth in Revenue. The Revenue has grown by 5.91% in the last year.
The Revenue has been growing by 9.20% on average over the past years. This is quite good.
EPS 1Y (TTM)4.5%
EPS 3Y21.67%
EPS 5Y12.47%
EPS Q2Q%-11.21%
Revenue 1Y (TTM)5.91%
Revenue growth 3Y14.89%
Revenue growth 5Y9.2%
Sales Q2Q%-0.7%
3.2 Future
DNB is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -2.47% yearly.
DNB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.15% yearly.
EPS Next Y-4.72%
EPS Next 2Y-4.97%
EPS Next 3Y-2.47%
EPS Next 5YN/A
Revenue Next Year4.46%
Revenue Next 2Y2.24%
Revenue Next 3Y2.15%
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 decreasing.
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 9.37, the valuation of DNB can be described as reasonable.
Based on the Price/Earnings ratio, DNB is valued a bit cheaper than 76.99% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.56, DNB is valued rather cheaply.
With a Price/Forward Earnings ratio of 10.25, the valuation of DNB can be described as very reasonable.
DNB's Price/Forward Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.79, DNB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.37 | ||
| Fwd PE | 10.25 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as DNB's earnings are expected to decrease with -2.47% in the coming years.
PEG (NY)N/A
PEG (5Y)0.75
EPS Next 2Y-4.97%
EPS Next 3Y-2.47%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.12%, DNB is a good candidate for dividend investing.
DNB's Dividend Yield is a higher than the industry average which is at 4.33.
Compared to an average S&P500 Dividend Yield of 1.87, DNB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.12% |
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
DNB pays out 57.86% of its income as dividend. 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.
DP57.86%
EPS Next 2Y-4.97%
EPS Next 3Y-2.47%
OSL:DNB (12/12/2025, 7:00:00 PM)
271.7
-1.9 (-0.69%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners43.3%
Inst Owner ChangeN/A
Ins Owners0.02%
Ins Owner ChangeN/A
Market Cap401.46B
Revenue(TTM)93.91B
Net Income(TTM)42.93B
Analysts63.33
Price Target279.67 (2.93%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.12% |
Yearly Dividend16.1
Dividend Growth(5Y)17.85%
DP57.86%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-2.74%
Min EPS beat(2)-5.48%
Max EPS beat(2)0%
EPS beat(4)3
Avg EPS beat(4)5.96%
Min EPS beat(4)-5.48%
Max EPS beat(4)23.22%
EPS beat(8)7
Avg EPS beat(8)7.57%
EPS beat(12)11
Avg EPS beat(12)11.41%
EPS beat(16)14
Avg EPS beat(16)9.74%
Revenue beat(2)0
Avg Revenue beat(2)-1.43%
Min Revenue beat(2)-2.44%
Max Revenue beat(2)-0.42%
Revenue beat(4)2
Avg Revenue beat(4)-0.05%
Min Revenue beat(4)-2.44%
Max Revenue beat(4)1.45%
Revenue beat(8)4
Avg Revenue beat(8)0.78%
Revenue beat(12)8
Avg Revenue beat(12)3%
Revenue beat(16)11
Avg Revenue beat(16)4.02%
PT rev (1m)-0.14%
PT rev (3m)2.84%
EPS NQ rev (1m)-0.44%
EPS NQ rev (3m)-0.18%
EPS NY rev (1m)-0.14%
EPS NY rev (3m)-0.46%
Revenue NQ rev (1m)-0.08%
Revenue NQ rev (3m)-1.57%
Revenue NY rev (1m)0.06%
Revenue NY rev (3m)0.81%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.37 | ||
| Fwd PE | 10.25 | ||
| P/S | 4.28 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.42 | ||
| P/tB | 1.53 | ||
| EV/EBITDA | N/A |
EPS(TTM)29
EY10.67%
EPS(NY)26.51
Fwd EY9.76%
FCF(TTM)-207.85
FCFYN/A
OCF(TTM)-206.38
OCFYN/A
SpS63.55
BVpS191.77
TBVpS177.05
PEG (NY)N/A
PEG (5Y)0.75
Graham Number353.74
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.13% | ||
| ROE | 15.15% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 45.71% | ||
| 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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y5.83%
PM growth 5Y2.81%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.43 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 2.31% | ||
| 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-Score5
WACC10.13%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)4.03%
Cap/Sales(5y)5.12%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)4.5%
EPS 3Y21.67%
EPS 5Y12.47%
EPS Q2Q%-11.21%
EPS Next Y-4.72%
EPS Next 2Y-4.97%
EPS Next 3Y-2.47%
EPS Next 5YN/A
Revenue 1Y (TTM)5.91%
Revenue growth 3Y14.89%
Revenue growth 5Y9.2%
Sales Q2Q%-0.7%
Revenue Next Year4.46%
Revenue Next 2Y2.24%
Revenue Next 3Y2.15%
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-298.04%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-292.36%
OCF growth 3YN/A
OCF growth 5YN/A
DNB BANK ASA / DNB.OL FAQ
Can you provide the ChartMill fundamental rating for DNB BANK ASA?
ChartMill assigns a fundamental rating of 3 / 10 to DNB.OL.
What is the valuation status for DNB stock?
ChartMill assigns a valuation rating of 4 / 10 to DNB BANK ASA (DNB.OL). This can be considered as Fairly Valued.
Can you provide the profitability details for DNB BANK ASA?
DNB BANK ASA (DNB.OL) has a profitability rating of 4 / 10.
What is the valuation of DNB BANK ASA based on its PE and PB ratios?
The Price/Earnings (PE) ratio for DNB BANK ASA (DNB.OL) is 9.37 and the Price/Book (PB) ratio is 1.42.
Can you provide the financial health for DNB stock?
The financial health rating of DNB BANK ASA (DNB.OL) is 1 / 10.