SPAREBANK 1 RINGERIKE HADELA(OSL:RING) stock Fundamental Analysis

Fundamental Rating

RING gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 95 industry peers in the Banks industry. Both the profitability and the financial health of RING get a neutral evaluation. Nothing too spectacular is happening here. RING has a decent growth rate and is not valued too expensively. RING also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year RING was profitable.

RING had a positive operating cash flow in the past year.

In the past 5 years RING has always been profitable.

Each year in the past 5 years RING had a positive operating cash flow.

1.2 Ratios

RING's Return On Assets of 2.17% is amongst the best of the industry. RING outperforms 96.84% of its industry peers.

With a decent Return On Equity value of 12.95%, RING is doing good in the industry, outperforming 66.32% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	2.17%
ROE	12.95%
ROIC	N/A

ROA(3y)1.68%

ROA(5y)1.58%

ROE(3y)10.62%

ROE(5y)10.26%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

RING's Profit Margin of 48.76% is amongst the best of the industry. RING outperforms 98.95% of its industry peers.

In the last couple of years the Profit Margin of RING has remained more or less at the same level.

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

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	48.76%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y1.62%

PM growth 5Y1.24%

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

The number of shares outstanding for RING remains at a similar level compared to 1 year ago.

RING has less shares outstanding than it did 5 years ago.

Compared to 1 year ago, RING has an improved debt to assets ratio.

2.2 Solvency

RING has a debt to FCF ratio of 3.28. This is a good value and a sign of high solvency as RING would need 3.28 years to pay back of all of its debts.

RING has a better Debt to FCF ratio (3.28) than 93.68% of its industry peers.

RING has a Debt/Equity ratio of 0.92. This is a neutral value indicating RING is somewhat dependend on debt financing.

RING's Debt to Equity ratio of 0.92 is amongst the best of the industry. RING outperforms 81.05% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.92
Debt/FCF	3.28
Altman-Z	N/A

ROIC/WACCN/A

WACCN/A

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

RING shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 52.49%, which is quite impressive.

The Earnings Per Share has been growing by 10.59% on average over the past years. This is quite good.

The Revenue has grown by 27.88% in the past year. This is a very strong growth!

The Revenue has been growing by 9.25% on average over the past years. This is quite good.

EPS 1Y (TTM)52.49%

EPS 3Y16.43%

EPS 5Y10.59%

EPS Q2Q%70.73%

Revenue 1Y (TTM)27.88%

Revenue growth 3Y14.59%

Revenue growth 5Y9.25%

Sales Q2Q%17.32%

3.2 Future

The Earnings Per Share is expected to decrease by -5.72% on average over the next years.

The Revenue is expected to decrease by -0.92% on average over the next years.

EPS Next Y-13%

EPS Next 2Y-6.97%

EPS Next 3Y-5.72%

EPS Next 5YN/A

Revenue Next Year-2.08%

Revenue Next 2Y-0.22%

Revenue Next 3Y-0.92%

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 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

Based on the Price/Earnings ratio of 8.25, the valuation of RING can be described as reasonable.

RING's Price/Earnings ratio is a bit cheaper when compared to the industry. RING is cheaper than 61.05% of the companies in the same industry.

When comparing the Price/Earnings ratio of RING to the average of the S&P500 Index (28.79), we can say RING is valued rather cheaply.

RING is valuated reasonably with a Price/Forward Earnings ratio of 9.49.

The rest of the industry has a similar Price/Forward Earnings ratio as RING.

The average S&P500 Price/Forward Earnings ratio is at 21.38. RING is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	8.25
Fwd PE	9.49

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, RING is valued cheaper than 84.21% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	3.82
EV/EBITDA	N/A

4.3 Compensation for Growth

A cheap valuation may be justified as RING's earnings are expected to decrease with -5.72% in the coming years.

PEG (NY)N/A

PEG (5Y)0.78

EPS Next 2Y-6.97%

EPS Next 3Y-5.72%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 8.50%, RING is a good candidate for dividend investing.

RING's Dividend Yield is rather good when compared to the industry average which is at 5.47. RING pays more dividend than 95.79% of the companies in the same industry.

Compared to an average S&P500 Dividend Yield of 2.51, RING pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	8.5%

5.2 History

The dividend of RING is nicely growing with an annual growth rate of 14.08%!

Dividend Growth(5Y)14.08%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

47.10% of the earnings are spent on dividend by RING. This is a bit on the high side, but may be sustainable.

DP47.1%

EPS Next 2Y-6.97%

EPS Next 3Y-5.72%

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SPAREBANK 1 RINGERIKE HADELA

OSL:RING (4/25/2025, 7:00:00 PM)

361.05

+3.8 (+1.06%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-14 2025-02-14/dmh

Earnings (Next)05-08 2025-05-08

Inst Owners9.62%

Inst Owner ChangeN/A

Ins Owners2.46%

Ins Owner ChangeN/A

Market Cap5.65B

Analysts45.45

Price Target391.68 (8.48%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	8.5%

Yearly Dividend20.57

Dividend Growth(5Y)14.08%

DP47.1%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)34.01%

Min EPS beat(2)25.77%

Max EPS beat(2)42.25%

EPS beat(4)3

Avg EPS beat(4)14.22%

Min EPS beat(4)-16.03%

Max EPS beat(4)42.25%

EPS beat(8)4

Avg EPS beat(8)1.06%

EPS beat(12)5

Avg EPS beat(12)-0.4%

EPS beat(16)8

Avg EPS beat(16)4.18%

Revenue beat(2)1

Avg Revenue beat(2)7.66%

Min Revenue beat(2)-7.19%

Max Revenue beat(2)22.51%

Revenue beat(4)1

Avg Revenue beat(4)2.31%

Min Revenue beat(4)-7.19%

Max Revenue beat(4)22.51%

Revenue beat(8)2

Avg Revenue beat(8)-1.53%

Revenue beat(12)4

Avg Revenue beat(12)-0.69%

Revenue beat(16)8

Avg Revenue beat(16)1.88%

PT rev (1m)4.21%

PT rev (3m)13.61%

EPS NQ rev (1m)0%

EPS NQ rev (3m)N/A

EPS NY rev (1m)0.75%

EPS NY rev (3m)8.62%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.3%

Valuation

		Industry Rank	Sector Rank
PE	8.25
Fwd PE	9.49
P/S	4.03
P/FCF	3.82
P/OCF	3.82
P/B	1.07
P/tB	1.08
EV/EBITDA	N/A

EPS(TTM)43.75

EY12.12%

EPS(NY)38.06

Fwd EY10.54%

FCF(TTM)94.63

FCFY26.21%

OCF(TTM)94.63

OCFY26.21%

SpS89.58

BVpS337.38

TBVpS333.04

PEG (NY)N/A

PEG (5Y)0.78

Profitability

		Industry Rank	Sector Rank
ROA	2.17%
ROE	12.95%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	48.76%
GM	N/A
FCFM	105.64%

ROA(3y)1.68%

ROA(5y)1.58%

ROE(3y)10.62%

ROE(5y)10.26%

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 3Y1.62%

PM growth 5Y1.24%

GM growth 3YN/A

GM growth 5YN/A

F-Score8

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.92
Debt/FCF	3.28
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	216.64%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACCN/A

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)107.91%

Profit Quality(5y)93.45%

High Growth Momentum

Growth

EPS 1Y (TTM)52.49%

EPS 3Y16.43%

EPS 5Y10.59%

EPS Q2Q%70.73%

EPS Next Y-13%

EPS Next 2Y-6.97%

EPS Next 3Y-5.72%

EPS Next 5YN/A

Revenue 1Y (TTM)27.88%

Revenue growth 3Y14.59%

Revenue growth 5Y9.25%

Sales Q2Q%17.32%

Revenue Next Year-2.08%

Revenue Next 2Y-0.22%

Revenue Next 3Y-0.92%

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 1Y377.74%

FCF growth 3Y39.82%

FCF growth 5Y120.83%

OCF growth 1Y377.74%

OCF growth 3Y39.39%

OCF growth 5Y116.55%

SPAREBANK 1 RINGERIKE HADELA (RING.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