SPAREBANK 1 HELGELAND(OSL:HELG) stock Fundamental Analysis

Fundamental Rating

Overall HELG gets a fundamental rating of 3 out of 10. We evaluated HELG against 99 industry peers in the Banks industry. Both the profitability and financial health of HELG have multiple concerns. While showing a medium growth rate, HELG is valued expensive at the moment.

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1. Profitability

1.1 Basic Checks

HELG had positive earnings in the past year.

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

In the past 5 years HELG has always been profitable.

In multiple years HELG reported negative operating cash flow during the last 5 years.

1.2 Ratios

HELG has a Return On Assets of 1.13%. This is in the better half of the industry: HELG outperforms 73.12% of its industry peers.

HELG's Return On Equity of 8.41% is in line compared to the rest of the industry. HELG outperforms 45.16% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.13%
ROE	8.41%
ROIC	N/A

ROA(3y)1.01%

ROA(5y)0.83%

ROE(3y)7.6%

ROE(5y)6.52%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

With an excellent Profit Margin value of 34.06%, HELG belongs to the best of the industry, outperforming 86.02% of the companies in the same industry.

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

The Operating Margin and Gross Margin are not available for HELG so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	34.06%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y19.29%

PM growth 5Y2.9%

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

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

The number of shares outstanding for HELG has been reduced compared to 1 year ago.

The number of shares outstanding for HELG has been increased compared to 5 years ago.

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

2.2 Solvency

A Debt/Equity ratio of 1.60 is on the high side and indicates that HELG has dependencies on debt financing.

HELG's Debt to Equity ratio of 1.60 is fine compared to the rest of the industry. HELG outperforms 61.29% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.6
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.69%

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

HELG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.05%, which is quite good.

HELG shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.97% yearly.

HELG shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.05%.

The Revenue has been growing by 11.27% on average over the past years. This is quite good.

EPS 1Y (TTM)17.05%

EPS 3Y43.53%

EPS 5Y8.97%

EPS Q2Q%36.78%

Revenue 1Y (TTM)9.05%

Revenue growth 3Y20.18%

Revenue growth 5Y11.27%

Sales Q2Q%2.29%

3.2 Future

HELG is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -1.35% yearly.

HELG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.76% yearly.

EPS Next Y-2.71%

EPS Next 2Y-1.35%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year-2.84%

Revenue Next 2Y-1.03%

Revenue Next 3Y0.76%

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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 9.45, the valuation of HELG can be described as very reasonable.

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

When comparing the Price/Earnings ratio of HELG to the average of the S&P500 Index (29.35), we can say HELG is valued rather cheaply.

Based on the Price/Forward Earnings ratio of 9.77, the valuation of HELG can be described as reasonable.

HELG's Price/Forward Earnings ratio is in line with the industry average.

When comparing the Price/Forward Earnings ratio of HELG to the average of the S&P500 Index (22.10), we can say HELG is valued rather cheaply.

		Industry Rank	Sector Rank
PE	9.45
Fwd PE	9.77

4.2 Price Multiples

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

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)1.05

EPS Next 2Y-1.35%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.60%, HELG is a good candidate for dividend investing.

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

HELG's Dividend Yield is rather good when compared to the S&P500 average which is at 2.33.

		Industry Rank	Sector Rank
Dividend Yield	5.6%

5.2 History

The dividend of HELG is nicely growing with an annual growth rate of 53.52%!

Dividend Growth(5Y)53.52%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

82.23% of the earnings are spent on dividend by HELG. This is not a sustainable payout ratio.

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

DP82.23%

EPS Next 2Y-1.35%

EPS Next 3YN/A

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SPAREBANK 1 HELGELAND

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

154

+3.96 (+2.64%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-12 2025-02-12/amc

Earnings (Next)04-23 2025-04-23

Inst Owners40.72%

Inst Owner ChangeN/A

Ins Owners0.5%

Ins Owner ChangeN/A

Market Cap4.16B

Analysts45.45

Price Target164.9 (7.08%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.6%

Yearly Dividend13.4

Dividend Growth(5Y)53.52%

DP82.23%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)1

Avg Revenue beat(2)-1.78%

Min Revenue beat(2)-4.53%

Max Revenue beat(2)0.96%

Revenue beat(4)1

Avg Revenue beat(4)-3.96%

Min Revenue beat(4)-6.38%

Max Revenue beat(4)0.96%

Revenue beat(8)2

Avg Revenue beat(8)-2.02%

Revenue beat(12)4

Avg Revenue beat(12)-0.66%

Revenue beat(16)4

Avg Revenue beat(16)-1.78%

PT rev (1m)6.59%

PT rev (3m)10.73%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)1.13%

EPS NY rev (3m)1.8%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)-1.2%

Revenue NY rev (3m)0%

Valuation

		Industry Rank	Sector Rank
PE	9.45
Fwd PE	9.77
P/S	3.23
P/FCF	N/A
P/OCF	N/A
P/B	0.8
P/tB	0.81
EV/EBITDA	N/A

EPS(TTM)16.29

EY10.58%

EPS(NY)15.76

Fwd EY10.23%

FCF(TTM)-7.41

FCFYN/A

OCF(TTM)-6.04

OCFYN/A

SpS47.74

BVpS193.41

TBVpS190.7

PEG (NY)N/A

PEG (5Y)1.05

Profitability

		Industry Rank	Sector Rank
ROA	1.13%
ROE	8.41%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	34.06%
GM	N/A
FCFM	N/A

ROA(3y)1.01%

ROA(5y)0.83%

ROE(3y)7.6%

ROE(5y)6.52%

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 3Y19.29%

PM growth 5Y2.9%

GM growth 3YN/A

GM growth 5YN/A

F-Score4

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	1.6
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	2.87%
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

WACC5.69%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)6.17%

Cap/Sales(5y)8.53%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)17.05%

EPS 3Y43.53%

EPS 5Y8.97%

EPS Q2Q%36.78%

EPS Next Y-2.71%

EPS Next 2Y-1.35%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)9.05%

Revenue growth 3Y20.18%

Revenue growth 5Y11.27%

Sales Q2Q%2.29%

Revenue Next Year-2.84%

Revenue Next 2Y-1.03%

Revenue Next 3Y0.76%

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-111.09%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-108.73%

OCF growth 3YN/A

OCF growth 5YN/A

SPAREBANK 1 HELGELAND (HELG.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

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