PARETO BANK ASA (PARB.OL) Stock Fundamental Analysis
OSL:PARB - Euronext Oslo - NO0010397581 - Common Stock - Currency: NOK
Overall PARB gets a fundamental rating of 4 out of 10. We evaluated PARB against 95 industry peers in the Banks industry. PARB has a bad profitability rating. Also its financial health evaluation is rather negative. PARB is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year PARB was profitable.
In the past year PARB had a positive cash flow from operations.
Each year in the past 5 years PARB has been profitable.
In multiple years PARB reported negative operating cash flow during the last 5 years.
1.2 Ratios
PARB's Return On Assets of 2.34% is amongst the best of the industry. PARB outperforms 98.95% of its industry peers.
PARB has a Return On Equity of 11.71%. This is comparable to the rest of the industry: PARB outperforms 57.89% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.34% | ||
| ROE | 11.71% | ||
| ROIC | N/A |
ROA(3y)2.39%
ROA(5y)2.38%
ROE(3y)12.32%
ROE(5y)12.46%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
PARB's Profit Margin of 50.72% is amongst the best of the industry. PARB outperforms 100.00% of its industry peers.
PARB's Profit Margin has declined in the last couple of years.
PARB 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) | 50.72% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.01%
PM growth 5Y-2.39%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
PARB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for PARB has been reduced compared to 1 year ago.
PARB has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, PARB has an improved debt to assets ratio.
2.2 Solvency
PARB has a debt to FCF ratio of 3.73. This is a good value and a sign of high solvency as PARB would need 3.73 years to pay back of all of its debts.
PARB has a Debt to FCF ratio of 3.73. This is amongst the best in the industry. PARB outperforms 91.58% of its industry peers.
A Debt/Equity ratio of 1.48 is on the high side and indicates that PARB has dependencies on debt financing.
PARB's Debt to Equity ratio of 1.48 is fine compared to the rest of the industry. PARB outperforms 66.32% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.48 | ||
| Debt/FCF | 3.73 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.57%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
PARB shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.38%.
The Earnings Per Share has been growing slightly by 7.22% on average over the past years.
The Revenue has grown by 10.14% in the past year. This is quite good.
The Revenue has been growing by 12.57% on average over the past years. This is quite good.
EPS 1Y (TTM)7.38%
EPS 3Y5.3%
EPS 5Y7.22%
EPS Q2Q%-4.98%
Revenue 1Y (TTM)10.14%
Revenue growth 3Y13.77%
Revenue growth 5Y12.57%
Sales Q2Q%3.56%
3.2 Future
PARB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.48% yearly.
Based on estimates for the next years, PARB will show a small growth in Revenue. The Revenue will grow by 4.35% on average per year.
EPS Next Y6.55%
EPS Next 2Y6.1%
EPS Next 3Y5.48%
EPS Next 5YN/A
Revenue Next Year3.07%
Revenue Next 2Y3.06%
Revenue Next 3Y4.35%
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.
4. Valuation
4.1 Price/Earnings Ratio
PARB is valuated reasonably with a Price/Earnings ratio of 8.69.
Compared to the rest of the industry, the Price/Earnings ratio of PARB is on the same level as its industry peers.
PARB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.79.
A Price/Forward Earnings ratio of 8.15 indicates a reasonable valuation of PARB.
PARB's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. PARB is cheaper than 67.37% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.38, PARB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.69 | ||
| Fwd PE | 8.15 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, PARB is valued cheaply inside the industry as 91.58% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.56 | ||
| 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)1.33
PEG (5Y)1.2
EPS Next 2Y6.1%
EPS Next 3Y5.48%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.66%, PARB is a good candidate for dividend investing.
PARB's Dividend Yield is comparable with the industry average which is at 5.47.
Compared to an average S&P500 Dividend Yield of 2.51, PARB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.66% |
5.2 History
On average, the dividend of PARB grows each year by 43.77%, which is quite nice.
Dividend Growth(5Y)43.77%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
47.02% of the earnings are spent on dividend by PARB. This is a bit on the high side, but may be sustainable.
PARB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP47.02%
EPS Next 2Y6.1%
EPS Next 3Y5.48%
OSL:PARB (4/25/2025, 7:00:00 PM)
72
-0.6 (-0.83%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners21.25%
Inst Owner ChangeN/A
Ins Owners1.16%
Ins Owner ChangeN/A
Market Cap5.53B
Analysts85.71
Price Target85.68 (19%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.66% |
Yearly Dividend3.9
Dividend Growth(5Y)43.77%
DP47.02%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-6.79%
Min EPS beat(2)-9.54%
Max EPS beat(2)-4.04%
EPS beat(4)2
Avg EPS beat(4)-1.79%
Min EPS beat(4)-9.54%
Max EPS beat(4)3.33%
EPS beat(8)3
Avg EPS beat(8)-2.91%
EPS beat(12)5
Avg EPS beat(12)0.04%
EPS beat(16)7
Avg EPS beat(16)1.12%
Revenue beat(2)0
Avg Revenue beat(2)-1.57%
Min Revenue beat(2)-2.54%
Max Revenue beat(2)-0.6%
Revenue beat(4)0
Avg Revenue beat(4)-1.35%
Min Revenue beat(4)-2.54%
Max Revenue beat(4)-0.05%
Revenue beat(8)2
Avg Revenue beat(8)-0.12%
Revenue beat(12)5
Avg Revenue beat(12)1.05%
Revenue beat(16)7
Avg Revenue beat(16)0.78%
PT rev (1m)10.53%
PT rev (3m)15.07%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)1.05%
EPS NY rev (3m)1.05%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.69 | ||
| Fwd PE | 8.15 | ||
| P/S | 4.4 | ||
| P/FCF | 2.56 | ||
| P/OCF | 2.55 | ||
| P/B | 1.02 | ||
| P/tB | 1.02 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.29
EY11.51%
EPS(NY)8.83
Fwd EY12.27%
FCF(TTM)28.07
FCFY38.99%
OCF(TTM)28.22
OCFY39.19%
SpS16.35
BVpS70.81
TBVpS70.3
PEG (NY)1.33
PEG (5Y)1.2
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.34% | ||
| ROE | 11.71% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 50.72% | ||
| GM | N/A | ||
| FCFM | 171.69% |
ROA(3y)2.39%
ROA(5y)2.38%
ROE(3y)12.32%
ROE(5y)12.46%
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 3Y-5.01%
PM growth 5Y-2.39%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.48 | ||
| Debt/FCF | 3.73 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 0.89% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 338.47% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC6.57%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)1.15%
Cap/Sales(5y)1.19%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)7.38%
EPS 3Y5.3%
EPS 5Y7.22%
EPS Q2Q%-4.98%
EPS Next Y6.55%
EPS Next 2Y6.1%
EPS Next 3Y5.48%
EPS Next 5YN/A
Revenue 1Y (TTM)10.14%
Revenue growth 3Y13.77%
Revenue growth 5Y12.57%
Sales Q2Q%3.56%
Revenue Next Year3.07%
Revenue Next 2Y3.06%
Revenue Next 3Y4.35%
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 1Y587.61%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y552.04%
OCF growth 3YN/A
OCF growth 5YN/A