DNB BANK ASA(OSL:DNB) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to DNB. DNB was compared to 98 industry peers in the Banks industry. While DNB is still in line with the averages on profitability rating, there are concerns on its financial health. DNB has a decent growth rate and is not valued too expensively. Finally DNB also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

DNB had positive earnings in the past year.

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

Each year in the past 5 years DNB has been profitable.

DNB had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

DNB's Return On Assets of 1.06% is fine compared to the rest of the industry. DNB outperforms 69.32% of its industry peers.

The Return On Equity of DNB (14.54%) is better than 75.00% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.06%
ROE	14.54%
ROIC	N/A

ROA(3y)0.98%

ROA(5y)0.9%

ROE(3y)12.42%

ROE(5y)10.99%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 45.92%, DNB belongs to the top of the industry, outperforming 96.59% of the companies in the same industry.

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

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)	45.92%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y12.01%

PM growth 5Y0.68%

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.

DNB has less shares outstanding than it did 5 years ago.

DNB has a worse debt/assets ratio than last year.

2.2 Solvency

A Debt/Equity ratio of 3.49 is on the high side and indicates that DNB has dependencies on debt financing.

DNB's Debt to Equity ratio of 3.49 is on the low side compared to the rest of the industry. DNB is outperformed by 81.82% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	3.49
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC8.49%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

DNB shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.67%.

Measured over the past years, DNB shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.80% on average per year.

The Revenue has been growing slightly by 5.52% in the past year.

The Revenue has been growing by 9.61% on average over the past years. This is quite good.

EPS 1Y (TTM)5.67%

EPS 3Y15.48%

EPS 5Y11.8%

EPS Q2Q%12.08%

Revenue 1Y (TTM)5.52%

Revenue growth 3Y13.22%

Revenue growth 5Y9.61%

Sales Q2Q%8.97%

3.2 Future

Based on estimates for the next years, DNB will show a decrease in Earnings Per Share. The EPS will decrease by -0.91% on average per year.

Based on estimates for the next years, DNB will show a small growth in Revenue. The Revenue will grow by 1.19% on average per year.

EPS Next Y6.84%

EPS Next 2Y-1.03%

EPS Next 3Y-0.91%

EPS Next 5YN/A

Revenue Next Year4.01%

Revenue Next 2Y1.53%

Revenue Next 3Y1.19%

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 decreasing.

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

DNB is valuated reasonably with a Price/Earnings ratio of 8.76.

The rest of the industry has a similar Price/Earnings ratio as DNB.

DNB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.47.

A Price/Forward Earnings ratio of 9.52 indicates a reasonable valuation of DNB.

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

The average S&P500 Price/Forward Earnings ratio is at 92.74. DNB is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	8.76
Fwd PE	9.52

4.2 Price Multiples

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

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

PEG (NY)1.28

PEG (5Y)0.74

EPS Next 2Y-1.03%

EPS Next 3Y-0.91%

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5. Dividend

5.1 Amount

DNB has a Yearly Dividend Yield of 6.55%, which is a nice return.

DNB's Dividend Yield is a higher than the industry average which is at 5.05.

DNB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.28.

		Industry Rank	Sector Rank
Dividend Yield	6.55%

5.2 History

The dividend of DNB is nicely growing with an annual growth rate of 17.19%!

Dividend Growth(5Y)17.19%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

DNB pays out 59.33% of its income as dividend. This is a bit on the high side, but may be sustainable.

DNB's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.

DP59.33%

EPS Next 2Y-1.03%

EPS Next 3Y-0.91%

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DNB BANK ASA

OSL:DNB (2/5/2025, 4:25:15 PM)

243

+2.8 (+1.17%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)10-22 2024-10-22/bmo

Earnings (Next)02-05 2025-02-05/amc

Inst Owners45.4%

Inst Owner ChangeN/A

Ins Owners0.02%

Ins Owner ChangeN/A

Market Cap362.68B

Analysts55.56

Price Target243.36 (0.15%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.55%

Yearly Dividend12.6

Dividend Growth(5Y)17.19%

DP59.33%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)14.7%

Min EPS beat(2)11.38%

Max EPS beat(2)18.01%

EPS beat(4)4

Avg EPS beat(4)9.18%

Min EPS beat(4)2.94%

Max EPS beat(4)18.01%

EPS beat(8)8

Avg EPS beat(8)14.13%

EPS beat(12)11

Avg EPS beat(12)11%

EPS beat(16)15

Avg EPS beat(16)13.55%

Revenue beat(2)2

Avg Revenue beat(2)7%

Min Revenue beat(2)6.05%

Max Revenue beat(2)7.96%

Revenue beat(4)2

Avg Revenue beat(4)1.62%

Min Revenue beat(4)-3.88%

Max Revenue beat(4)7.96%

Revenue beat(8)6

Avg Revenue beat(8)4.53%

Revenue beat(12)9

Avg Revenue beat(12)5.37%

Revenue beat(16)13

Avg Revenue beat(16)6.44%

PT rev (1m)0.1%

PT rev (3m)3.44%

EPS NQ rev (1m)0.59%

EPS NQ rev (3m)1.81%

EPS NY rev (1m)1.81%

EPS NY rev (3m)5.48%

Revenue NQ rev (1m)0.04%

Revenue NQ rev (3m)-0.19%

Revenue NY rev (1m)3.68%

Revenue NY rev (3m)3.06%

Valuation

		Industry Rank	Sector Rank
PE	8.76
Fwd PE	9.52
P/S	4.09
P/FCF	N/A
P/OCF	N/A
P/B	1.3
P/tB	1.35
EV/EBITDA	N/A

EPS(TTM)27.75

EY11.42%

EPS(NY)25.53

Fwd EY10.5%

FCF(TTM)-20.18

FCFYN/A

OCF(TTM)-18.1

OCFYN/A

SpS59.41

BVpS187.55

TBVpS180.46

PEG (NY)1.28

PEG (5Y)0.74

Profitability

		Industry Rank	Sector Rank
ROA	1.06%
ROE	14.54%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	45.92%
GM	N/A
FCFM	N/A

ROA(3y)0.98%

ROA(5y)0.9%

ROE(3y)12.42%

ROE(5y)10.99%

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 3Y12.01%

PM growth 5Y0.68%

GM growth 3YN/A

GM growth 5YN/A

F-Score4

Asset Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	3.49
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	3.5%
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-Score4

WACC8.49%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)5.49%

Cap/Sales(5y)5.41%

Profit Quality(3y)56.27%

Profit Quality(5y)142.31%

High Growth Momentum

Growth

EPS 1Y (TTM)5.67%

EPS 3Y15.48%

EPS 5Y11.8%

EPS Q2Q%12.08%

EPS Next Y6.84%

EPS Next 2Y-1.03%

EPS Next 3Y-0.91%

EPS Next 5YN/A

Revenue 1Y (TTM)5.52%

Revenue growth 3Y13.22%

Revenue growth 5Y9.61%

Sales Q2Q%8.97%

Revenue Next Year4.01%

Revenue Next 2Y1.53%

Revenue Next 3Y1.19%

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-175.42%

FCF growth 3Y-91.83%

FCF growth 5Y-72.65%

OCF growth 1Y-161.06%

OCF growth 3Y-63.46%

OCF growth 5Y-33.2%

DNB BANK ASA (DNB.OL) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

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

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens