JAREN SPAREBANK (JAREN.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:JAREN - NO0010359433 - Common Stock
386 NOK
+6 (+1.58%)
Overall JAREN gets a fundamental rating of 3 out of 10. We evaluated JAREN against 114 industry peers in the Banks industry. JAREN may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, JAREN is valued expensive at the moment.
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.
JAREN had positive earnings in each of the past 5 years.
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
With a Return On Assets value of 0.77%, JAREN perfoms like the industry average, outperforming 50.88% of the companies in the same industry.
The Return On Equity of JAREN (5.88%) is worse than 71.05% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.77% | ||
| ROE | 5.88% | ||
| 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
JAREN has a better Profit Margin (25.74%) than 62.28% of its industry peers.
JAREN's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for JAREN so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 25.74% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y6.09%
PM growth 5Y3.11%
GM growth 3YN/A
GM growth 5YN/A
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 1.57 is on the high side and indicates that JAREN has dependencies on debt financing.
JAREN has a Debt to Equity ratio (1.57) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.57 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.34%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 8.42% over the past year.
Measured over the past years, JAREN shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.05% on average per year.
The Revenue has grown by 9.01% in the past year. This is quite good.
JAREN shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.61% yearly.
EPS 1Y (TTM)8.42%
EPS 3Y21.35%
EPS 5Y11.05%
EPS Q2Q%-4.76%
Revenue 1Y (TTM)9.01%
Revenue growth 3Y14.93%
Revenue growth 5Y8.61%
Sales Q2Q%1.2%
3.2 Future
JAREN is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.37% yearly.
Based on estimates for the next years, JAREN will show a small growth in Revenue. The Revenue will grow by 6.36% on average per year.
EPS Next Y14.38%
EPS Next 2Y7.36%
EPS Next 3Y8.37%
EPS Next 5YN/A
Revenue Next Year6.19%
Revenue Next 2Y5.77%
Revenue Next 3Y6.36%
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
With a Price/Earnings ratio of 13.04, JAREN is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of JAREN indicates a slightly more expensive valuation: JAREN is more expensive than 73.68% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.61. JAREN is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 12.09, which indicates a correct valuation of JAREN.
65.79% of the companies in the same industry are cheaper than JAREN, based on the Price/Forward Earnings ratio.
JAREN is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 24.01, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.04 | ||
| Fwd PE | 12.09 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
JAREN's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.91
PEG (5Y)1.18
EPS Next 2Y7.36%
EPS Next 3Y8.37%
5. Dividend
5.1 Amount
JAREN has a Yearly Dividend Yield of 5.29%, which is a nice return.
JAREN's Dividend Yield is a higher than the industry average which is at 4.12.
JAREN's Dividend Yield is rather good when compared to the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.29% |
5.2 History
On average, the dividend of JAREN grows each year by 31.60%, which is quite nice.
Dividend Growth(5Y)31.6%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
JAREN pays out 116.96% of its income as dividend. This is not a sustainable payout ratio.
The dividend of JAREN is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP116.96%
EPS Next 2Y7.36%
EPS Next 3Y8.37%
OSL:JAREN (12/22/2025, 7:00:00 PM)
386
+6 (+1.58%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners7.78%
Inst Owner ChangeN/A
Ins Owners5.58%
Ins Owner ChangeN/A
Market Cap1.90B
Revenue(TTM)555.67M
Net Income(TTM)153.42M
Analysts40
Price Target372.3 (-3.55%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.29% |
Yearly Dividend29.21
Dividend Growth(5Y)31.6%
DP116.96%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-4.61%
Min EPS beat(2)-16.99%
Max EPS beat(2)7.78%
EPS beat(4)2
Avg EPS beat(4)-0.6%
Min EPS beat(4)-16.99%
Max EPS beat(4)13.48%
EPS beat(8)2
Avg EPS beat(8)-2.97%
EPS beat(12)3
Avg EPS beat(12)-4.06%
EPS beat(16)4
Avg EPS beat(16)-5.39%
Revenue beat(2)0
Avg Revenue beat(2)-4.9%
Min Revenue beat(2)-5.49%
Max Revenue beat(2)-4.31%
Revenue beat(4)2
Avg Revenue beat(4)-0.83%
Min Revenue beat(4)-5.49%
Max Revenue beat(4)5.58%
Revenue beat(8)3
Avg Revenue beat(8)-0.93%
Revenue beat(12)6
Avg Revenue beat(12)3.43%
Revenue beat(16)10
Avg Revenue beat(16)6.01%
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)0%
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 | 13.04 | ||
| Fwd PE | 12.09 | ||
| P/S | 3.19 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.73 | ||
| P/tB | 0.73 | ||
| EV/EBITDA | N/A |
EPS(TTM)29.6
EY7.67%
EPS(NY)31.93
Fwd EY8.27%
FCF(TTM)-100.69
FCFYN/A
OCF(TTM)-99.39
OCFYN/A
SpS120.89
BVpS528.93
TBVpS528.93
PEG (NY)0.91
PEG (5Y)1.18
Graham Number593.52
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.77% | ||
| ROE | 5.88% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 25.74% | ||
| 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
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 3Y6.09%
PM growth 5Y3.11%
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.57 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 1.08% | ||
| 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
WACC6.34%
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)8.42%
EPS 3Y21.35%
EPS 5Y11.05%
EPS Q2Q%-4.76%
EPS Next Y14.38%
EPS Next 2Y7.36%
EPS Next 3Y8.37%
EPS Next 5YN/A
Revenue 1Y (TTM)9.01%
Revenue growth 3Y14.93%
Revenue growth 5Y8.61%
Sales Q2Q%1.2%
Revenue Next Year6.19%
Revenue Next 2Y5.77%
Revenue Next 3Y6.36%
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-1481.68%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-2477.25%
OCF growth 3YN/A
OCF growth 5YN/A
JAREN SPAREBANK / JAREN.OL FAQ
What is the fundamental rating for JAREN stock?
ChartMill assigns a fundamental rating of 3 / 10 to JAREN.OL.
What is the valuation status for JAREN stock?
ChartMill assigns a valuation rating of 3 / 10 to JAREN SPAREBANK (JAREN.OL). This can be considered as Overvalued.
How profitable is JAREN SPAREBANK (JAREN.OL) stock?
JAREN SPAREBANK (JAREN.OL) has a profitability rating of 3 / 10.
Can you provide the financial health for JAREN stock?
The financial health rating of JAREN SPAREBANK (JAREN.OL) is 1 / 10.
Can you provide the expected EPS growth for JAREN stock?
The Earnings per Share (EPS) of JAREN SPAREBANK (JAREN.OL) is expected to grow by 14.38% in the next year.