JAREN SPAREBANK(OSL:JAREN) stock Fundamental Analysis

Fundamental Rating

JAREN gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 99 industry peers in the Banks industry. JAREN has a bad profitability rating. Also its financial health evaluation is rather negative. While showing a medium growth rate, JAREN is valued expensive at the moment.

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1. Profitability

1.1 Basic Checks

In the past year JAREN was profitable.

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

In the past 5 years JAREN has always been profitable.

The reported operating cash flow has been mixed in the past 5 years: JAREN reported negative operating cash flow in multiple years.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.76%, JAREN is in line with its industry, outperforming 49.46% of the companies in the same industry.

JAREN has a worse Return On Equity (5.50%) than 65.59% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.76%
ROE	5.5%
ROIC	N/A

ROA(3y)0.69%

ROA(5y)0.59%

ROE(3y)4.89%

ROE(5y)4.27%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin of JAREN (25.53%) is better than 69.89% of its industry peers.

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

JAREN 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)	25.53%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y6.15%

PM growth 5Y3.14%

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

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

Compared to 1 year ago, JAREN has about the same amount of shares outstanding.

The number of shares outstanding for JAREN has been reduced compared to 5 years ago.

The debt/assets ratio for JAREN is higher compared to a year ago.

2.2 Solvency

A Debt/Equity ratio of 1.47 is on the high side and indicates that JAREN has dependencies on debt financing.

The Debt to Equity ratio of JAREN (1.47) is better than 66.67% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.47
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.68%

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

The Earnings Per Share has grown by an nice 11.82% over the past year.

The Earnings Per Share has been growing by 10.82% on average over the past years. This is quite good.

The Revenue has grown by 8.93% in the past year. This is quite good.

Measured over the past years, JAREN shows a quite strong growth in Revenue. The Revenue has been growing by 8.57% on average per year.

EPS 1Y (TTM)11.82%

EPS 3Y19.83%

EPS 5Y10.82%

EPS Q2Q%-6.82%

Revenue 1Y (TTM)8.93%

Revenue growth 3Y14.87%

Revenue growth 5Y8.57%

Sales Q2Q%13.28%

3.2 Future

Based on estimates for the next years, JAREN will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.54% on average per year.

Based on estimates for the next years, JAREN will show a small growth in Revenue. The Revenue will grow by 6.81% on average per year.

EPS Next Y10.09%

EPS Next 2Y8.54%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year6.54%

Revenue Next 2Y6.27%

Revenue Next 3Y6.81%

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.

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 12.72, JAREN is valued correctly.

Based on the Price/Earnings ratio, JAREN is valued more expensive than 82.80% of the companies in the same industry.

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

A Price/Forward Earnings ratio of 10.88 indicates a reasonable valuation of JAREN.

Compared to the rest of the industry, the Price/Forward Earnings ratio of JAREN indicates a slightly more expensive valuation: JAREN is more expensive than 62.37% of the companies listed in the same industry.

JAREN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.10.

		Industry Rank	Sector Rank
PE	12.72
Fwd PE	10.88

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)1.26

PEG (5Y)1.18

EPS Next 2Y8.54%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 5.59%, JAREN is a good candidate for dividend investing.

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

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

		Industry Rank	Sector Rank
Dividend Yield	5.59%

5.2 History

The dividend of JAREN is nicely growing with an annual growth rate of 31.60%!

Dividend Growth(5Y)31.6%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

JAREN pays out 100.42% of its income as dividend. This is not a sustainable payout ratio.

JAREN's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP100.42%

EPS Next 2Y8.54%

EPS Next 3YN/A

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JAREN SPAREBANK

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

358

0 (0%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-10 2025-02-10/amc

Earnings (Next)05-15 2025-05-15

Inst Owners7.07%

Inst Owner ChangeN/A

Ins Owners5%

Ins Owner ChangeN/A

Market Cap1.76B

Analysts40

Price Target382.5 (6.84%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	5.59%

Yearly Dividend29.21

Dividend Growth(5Y)31.6%

DP100.42%

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)2

Avg Revenue beat(2)5.7%

Min Revenue beat(2)5.58%

Max Revenue beat(2)5.81%

Revenue beat(4)2

Avg Revenue beat(4)1.02%

Min Revenue beat(4)-4.63%

Max Revenue beat(4)5.81%

Revenue beat(8)4

Avg Revenue beat(8)3.84%

Revenue beat(12)8

Avg Revenue beat(12)8.25%

Revenue beat(16)12

Avg Revenue beat(16)9.42%

PT rev (1m)5.63%

PT rev (3m)21.36%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)0%

EPS NY rev (3m)11.83%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)7.86%

Revenue NY rev (3m)7.86%

Valuation

		Industry Rank	Sector Rank
PE	12.72
Fwd PE	10.88
P/S	3.14
P/FCF	N/A
P/OCF	N/A
P/B	0.68
P/tB	0.68
EV/EBITDA	N/A

EPS(TTM)28.14

EY7.86%

EPS(NY)32.92

Fwd EY9.2%

FCF(TTM)-27.31

FCFYN/A

OCF(TTM)-25.79

OCFYN/A

SpS114.01

BVpS529.18

TBVpS529.18

PEG (NY)1.26

PEG (5Y)1.18

Profitability

		Industry Rank	Sector Rank
ROA	0.76%
ROE	5.5%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	25.53%
GM	N/A
FCFM	N/A

ROA(3y)0.69%

ROA(5y)0.59%

ROE(3y)4.89%

ROE(5y)4.27%

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 3Y6.15%

PM growth 5Y3.14%

GM growth 3YN/A

GM growth 5YN/A

F-Score4

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	1.47
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	1.33%
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

WACC5.68%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)1.21%

Cap/Sales(5y)1.39%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)11.82%

EPS 3Y19.83%

EPS 5Y10.82%

EPS Q2Q%-6.82%

EPS Next Y10.09%

EPS Next 2Y8.54%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)8.93%

Revenue growth 3Y14.87%

Revenue growth 5Y8.57%

Sales Q2Q%13.28%

Revenue Next Year6.54%

Revenue Next 2Y6.27%

Revenue Next 3Y6.81%

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-203.73%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-242.5%

OCF growth 3YN/A

OCF growth 5YN/A

JAREN SPAREBANK (JAREN.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