SKUE SPAREBANK(OSL:SKUE) stock Fundamental Analysis

Fundamental Rating

SKUE gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 99 industry peers in the Banks industry. SKUE has a bad profitability rating. Also its financial health evaluation is rather negative. SKUE is growing strongly while it is still valued neutral. This is a good combination! SKUE also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

SKUE had positive earnings in the past year.

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

In the past 5 years SKUE has always been profitable.

SKUE had negative operating cash flow in 4 of the past 5 years.

1.2 Ratios

With a Return On Assets value of 0.38%, SKUE is not doing good in the industry: 77.42% of the companies in the same industry are doing better.

SKUE has a Return On Equity of 2.82%. This is amonst the worse of the industry: SKUE underperforms 82.80% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.38%
ROE	2.82%
ROIC	N/A

ROA(3y)0.32%

ROA(5y)0.28%

ROE(3y)2.46%

ROE(5y)2.29%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

SKUE's Profit Margin of 12.53% is on the low side compared to the rest of the industry. SKUE is outperformed by 80.65% of its industry peers.

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

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

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	12.53%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y6.31%

PM growth 5Y-0.16%

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

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

Compared to 1 year ago, SKUE has more shares outstanding

SKUE has more shares outstanding than it did 5 years ago.

The debt/assets ratio for SKUE has been reduced compared to a year ago.

2.2 Solvency

SKUE has a Debt/Equity ratio of 1.56. This is a high value indicating a heavy dependency on external financing.

SKUE has a better Debt to Equity ratio (1.56) than 62.37% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.56
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC8.46%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 49.58% over the past year.

The Earnings Per Share has been growing by 12.50% on average over the past years. This is quite good.

The Revenue has grown by 40.61% in the past year. This is a very strong growth!

Measured over the past years, SKUE shows a quite strong growth in Revenue. The Revenue has been growing by 17.02% on average per year.

EPS 1Y (TTM)49.58%

EPS 3Y20.13%

EPS 5Y12.5%

EPS Q2Q%30.15%

Revenue 1Y (TTM)40.61%

Revenue growth 3Y16.36%

Revenue growth 5Y17.02%

Sales Q2Q%36.25%

3.2 Future

The Earnings Per Share is expected to grow by 9.23% on average over the next years. This is quite good.

SKUE is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.31% yearly.

EPS Next Y11.23%

EPS Next 2Y9.23%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year19.63%

Revenue Next 2Y13.31%

Revenue Next 3YN/A

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 estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.

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4. Valuation

4.1 Price/Earnings Ratio

SKUE is valuated reasonably with a Price/Earnings ratio of 8.47.

Based on the Price/Earnings ratio, SKUE is valued a bit cheaper than the industry average as 62.37% of the companies are valued more expensively.

SKUE is valuated cheaply when we compare the Price/Earnings ratio to 29.35, which is the current average of the S&P500 Index.

The Price/Forward Earnings ratio is 12.29, which indicates a correct valuation of SKUE.

Based on the Price/Forward Earnings ratio, SKUE is valued a bit more expensive than the industry average as 72.04% of the companies are valued more cheaply.

SKUE's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.10.

		Industry Rank	Sector Rank
PE	8.47
Fwd PE	12.29

4.2 Price Multiples

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

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

PEG (NY)0.75

PEG (5Y)0.68

EPS Next 2Y9.23%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

SKUE has a Yearly Dividend Yield of 9.91%, which is a nice return.

Compared to an average industry Dividend Yield of 5.06, SKUE pays a better dividend. On top of this SKUE pays more dividend than 98.92% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.33, SKUE pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	9.91%

5.2 History

The dividend of SKUE is nicely growing with an annual growth rate of 11.29%!

Dividend Growth(5Y)11.29%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

40.50% of the earnings are spent on dividend by SKUE. This is a bit on the high side, but may be sustainable.

The dividend of SKUE is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP40.5%

EPS Next 2Y9.23%

EPS Next 3YN/A

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SKUE SPAREBANK

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

329

+0.9 (+0.27%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-07 2025-02-07/amc

Earnings (Next)05-14 2025-05-14

Inst Owners15.95%

Inst Owner ChangeN/A

Ins Owners14.97%

Ins Owner ChangeN/A

Market Cap753.41M

Analysts42.22

Price Target315.18 (-4.2%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	9.91%

Yearly Dividend16.22

Dividend Growth(5Y)11.29%

DP40.5%

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)1

Avg Revenue beat(2)1.5%

Min Revenue beat(2)-3.49%

Max Revenue beat(2)6.5%

Revenue beat(4)1

Avg Revenue beat(4)-1.98%

Min Revenue beat(4)-6.96%

Max Revenue beat(4)6.5%

Revenue beat(8)2

Avg Revenue beat(8)-3.9%

Revenue beat(12)4

Avg Revenue beat(12)-0.01%

Revenue beat(16)8

Avg Revenue beat(16)2.05%

PT rev (1m)0%

PT rev (3m)17.94%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)0%

EPS NY rev (3m)-8.28%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)1.88%

Revenue NY rev (3m)1.88%

Valuation

		Industry Rank	Sector Rank
PE	8.47
Fwd PE	12.29
P/S	1.07
P/FCF	N/A
P/OCF	N/A
P/B	0.24
P/tB	0.24
EV/EBITDA	N/A

EPS(TTM)38.83

EY11.8%

EPS(NY)26.78

Fwd EY8.14%

FCF(TTM)-5.76

FCFYN/A

OCF(TTM)-5.76

OCFYN/A

SpS306.09

BVpS1358.76

TBVpS1358.76

PEG (NY)0.75

PEG (5Y)0.68

Profitability

		Industry Rank	Sector Rank
ROA	0.38%
ROE	2.82%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	12.53%
GM	N/A
FCFM	N/A

ROA(3y)0.32%

ROA(5y)0.28%

ROE(3y)2.46%

ROE(5y)2.29%

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 3Y6.31%

PM growth 5Y-0.16%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	1.56
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	0%
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-Score6

WACC8.46%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)0.33%

Cap/Sales(5y)0.51%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)49.58%

EPS 3Y20.13%

EPS 5Y12.5%

EPS Q2Q%30.15%

EPS Next Y11.23%

EPS Next 2Y9.23%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)40.61%

Revenue growth 3Y16.36%

Revenue growth 5Y17.02%

Sales Q2Q%36.25%

Revenue Next Year19.63%

Revenue Next 2Y13.31%

Revenue Next 3YN/A

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 1Y10.18%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y0.04%

OCF growth 3YN/A

OCF growth 5YN/A

SKUE SPAREBANK (SKUE.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