HOLAND OG SETSKOG SPAREBANK (HSPG.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:HSPG - NO0010012636 - Common Stock
163.5 NOK
-3.44 (-2.06%)
We assign a fundamental rating of 2 out of 10 to HSPG. HSPG was compared to 109 industry peers in the Banks industry. Both the profitability and financial health of HSPG have multiple concerns. HSPG has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year HSPG was profitable.
In the past year HSPG has reported a negative cash flow from operations.
HSPG had positive earnings in each of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: HSPG reported negative operating cash flow in multiple years.
1.2 Ratios
The Return On Assets of HSPG (0.10%) is worse than 92.92% of its industry peers.
Looking at the Return On Equity, with a value of 0.92%, HSPG is doing worse than 92.92% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.1% | ||
| ROE | 0.92% | ||
| ROIC | N/A |
ROA(3y)0.1%
ROA(5y)0.1%
ROE(3y)0.85%
ROE(5y)0.98%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
HSPG has a Profit Margin of 4.50%. This is amonst the worse of the industry: HSPG underperforms 92.92% of its industry peers.
HSPG's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for HSPG so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 4.5% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.02%
PM growth 5Y-7.52%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
HSPG does not have a ROIC to compare to the WACC, probably because it is not profitable.
HSPG has about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for HSPG has been reduced compared to 5 years ago.
Compared to 1 year ago, HSPG has a worse debt to assets ratio.
2.2 Solvency
A Debt/Equity ratio of 2.88 is on the high side and indicates that HSPG has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 2.88, HSPG is doing worse than 68.14% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.88 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC4.41%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
HSPG shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 0.59%.
HSPG shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -3.00% yearly.
Looking at the last year, HSPG shows a small growth in Revenue. The Revenue has grown by 2.98% in the last year.
Measured over the past years, HSPG shows a small growth in Revenue. The Revenue has been growing by 4.52% on average per year.
EPS 1Y (TTM)0.59%
EPS 3Y-8.03%
EPS 5Y-3%
EPS Q2Q%-69.38%
Revenue 1Y (TTM)2.98%
Revenue growth 3Y4.97%
Revenue growth 5Y4.52%
Sales Q2Q%-8.25%
3.2 Future
The Earnings Per Share is expected to grow by 6.09% on average over the next years.
HSPG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.92% yearly.
EPS Next Y6.01%
EPS Next 2Y-4.92%
EPS Next 3Y6.09%
EPS Next 5YN/A
Revenue Next Year-4.28%
Revenue Next 2Y0.49%
Revenue Next 3Y1.92%
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 decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 19.24 indicates a rather expensive valuation of HSPG.
Based on the Price/Earnings ratio, HSPG is valued expensively inside the industry as 92.04% of the companies are valued cheaper.
When comparing the Price/Earnings ratio of HSPG to the average of the S&P500 Index (26.38), we can say HSPG is valued slightly cheaper.
A Price/Forward Earnings ratio of 18.70 indicates a rather expensive valuation of HSPG.
HSPG's Price/Forward Earnings ratio is rather expensive when compared to the industry. HSPG is more expensive than 84.07% of the companies in the same industry.
HSPG's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.24 | ||
| Fwd PE | 18.7 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates HSPG does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)3.2
PEG (5Y)N/A
EPS Next 2Y-4.92%
EPS Next 3Y6.09%
5. Dividend
5.1 Amount
HSPG has a Yearly Dividend Yield of 5.39%, which is a nice return.
HSPG's Dividend Yield is a higher than the industry average which is at 4.21.
Compared to an average S&P500 Dividend Yield of 1.87, HSPG pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.39% |
5.2 History
The dividend of HSPG decreases each year by -2.28%.
Dividend Growth(5Y)-2.28%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
HSPG pays out 66.98% of its income as dividend. This is not a sustainable payout ratio.
DP66.98%
EPS Next 2Y-4.92%
EPS Next 3Y6.09%
OSL:HSPG (12/19/2025, 7:00:00 PM)
163.5
-3.44 (-2.06%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners5.53%
Inst Owner ChangeN/A
Ins Owners23.84%
Ins Owner ChangeN/A
Market Cap112.81M
Revenue(TTM)207.92M
Net Income(TTM)9.24M
Analysts37.78
Price Target112.2 (-31.38%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.39% |
Yearly Dividend7
Dividend Growth(5Y)-2.28%
DP66.98%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-15.6%
Min EPS beat(2)-26.17%
Max EPS beat(2)-5.04%
EPS beat(4)2
Avg EPS beat(4)38.34%
Min EPS beat(4)-26.17%
Max EPS beat(4)171.15%
EPS beat(8)4
Avg EPS beat(8)17.66%
EPS beat(12)4
Avg EPS beat(12)-1.93%
EPS beat(16)4
Avg EPS beat(16)-6.74%
Revenue beat(2)1
Avg Revenue beat(2)14.33%
Min Revenue beat(2)-7.6%
Max Revenue beat(2)36.27%
Revenue beat(4)3
Avg Revenue beat(4)10.15%
Min Revenue beat(4)-7.6%
Max Revenue beat(4)36.27%
Revenue beat(8)5
Avg Revenue beat(8)6.76%
Revenue beat(12)8
Avg Revenue beat(12)6.75%
Revenue beat(16)11
Avg Revenue beat(16)8.27%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)4.47%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.24 | ||
| Fwd PE | 18.7 | ||
| P/S | 0.55 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.11 | ||
| P/tB | 0.11 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.5
EY5.2%
EPS(NY)8.74
Fwd EY5.35%
FCF(TTM)-414.57
FCFYN/A
OCF(TTM)-324.48
OCFYN/A
SpS297.92
BVpS1461.44
TBVpS1461.44
PEG (NY)3.2
PEG (5Y)N/A
Graham Number528.68
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.1% | ||
| ROE | 0.92% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 4.5% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)0.1%
ROA(5y)0.1%
ROE(3y)0.85%
ROE(5y)0.98%
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 3Y-7.02%
PM growth 5Y-7.52%
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.88 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 30.24% | ||
| 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-Score3
WACC4.41%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)3.97%
Cap/Sales(5y)5.61%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)0.59%
EPS 3Y-8.03%
EPS 5Y-3%
EPS Q2Q%-69.38%
EPS Next Y6.01%
EPS Next 2Y-4.92%
EPS Next 3Y6.09%
EPS Next 5YN/A
Revenue 1Y (TTM)2.98%
Revenue growth 3Y4.97%
Revenue growth 5Y4.52%
Sales Q2Q%-8.25%
Revenue Next Year-4.28%
Revenue Next 2Y0.49%
Revenue Next 3Y1.92%
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 1Y15.17%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y31.33%
OCF growth 3YN/A
OCF growth 5YN/A
HOLAND OG SETSKOG SPAREBANK / HSPG.OL FAQ
What is the ChartMill fundamental rating of HOLAND OG SETSKOG SPAREBANK (HSPG.OL) stock?
ChartMill assigns a fundamental rating of 2 / 10 to HSPG.OL.
What is the valuation status for HSPG stock?
ChartMill assigns a valuation rating of 1 / 10 to HOLAND OG SETSKOG SPAREBANK (HSPG.OL). This can be considered as Overvalued.
Can you provide the profitability details for HOLAND OG SETSKOG SPAREBANK?
HOLAND OG SETSKOG SPAREBANK (HSPG.OL) has a profitability rating of 1 / 10.
What are the PE and PB ratios of HOLAND OG SETSKOG SPAREBANK (HSPG.OL) stock?
The Price/Earnings (PE) ratio for HOLAND OG SETSKOG SPAREBANK (HSPG.OL) is 19.24 and the Price/Book (PB) ratio is 0.11.
Is the dividend of HOLAND OG SETSKOG SPAREBANK sustainable?
The dividend rating of HOLAND OG SETSKOG SPAREBANK (HSPG.OL) is 5 / 10 and the dividend payout ratio is 66.98%.