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SPAREBANK 1 OSTFOLD AKERSHUS (SOAG.OL) Stock Fundamental Analysis

OSL:SOAG - Euronext Oslo - NO0010285562 - Common Stock - Currency: NOK

414.95  -5.05 (-1.2%)

Fundamental Rating

3

SOAG gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 95 industry peers in the Banks industry. While SOAG is still in line with the averages on profitability rating, there are concerns on its financial health. While showing a medium growth rate, SOAG is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

SOAG had positive earnings in the past year.
In the past year SOAG has reported a negative cash flow from operations.
In the past 5 years SOAG has always been profitable.
Of the past 5 years SOAG 4 years had a positive operating cash flow.
SOAG.OL Yearly Net Income VS EBIT VS OCF VS FCFSOAG.OL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M -400M 600M 800M

1.2 Ratios

With an excellent Return On Assets value of 2.07%, SOAG belongs to the best of the industry, outperforming 95.79% of the companies in the same industry.
SOAG has a Return On Equity (12.06%) which is comparable to the rest of the industry.
Industry RankSector Rank
ROA 2.07%
ROE 12.06%
ROIC N/A
ROA(3y)1.76%
ROA(5y)1.64%
ROE(3y)10.7%
ROE(5y)10.3%
ROIC(3y)N/A
ROIC(5y)N/A
SOAG.OL Yearly ROA, ROE, ROICSOAG.OL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

The Profit Margin of SOAG (44.10%) is better than 96.84% of its industry peers.
In the last couple of years the Profit Margin of SOAG has remained more or less at the same level.
The Operating Margin and Gross Margin are not available for SOAG so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 44.1%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.16%
PM growth 5Y-0.06%
GM growth 3YN/A
GM growth 5YN/A
SOAG.OL Yearly Profit, Operating, Gross MarginsSOAG.OL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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1

2. Health

2.1 Basic Checks

SOAG does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, SOAG has about the same amount of shares outstanding.
SOAG has more shares outstanding than it did 5 years ago.
SOAG has a worse debt/assets ratio than last year.
SOAG.OL Yearly Shares OutstandingSOAG.OL Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
SOAG.OL Yearly Total Debt VS Total AssetsSOAG.OL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B 25B

2.2 Solvency

A Debt/Equity ratio of 0.97 indicates that SOAG is somewhat dependend on debt financing.
SOAG has a better Debt to Equity ratio (0.97) than 77.89% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.97
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC6.91%
SOAG.OL Yearly LT Debt VS Equity VS FCFSOAG.OL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B 4B 5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SOAG.OL Yearly Current Assets VS Current LiabilitesSOAG.OL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

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5

3. Growth

3.1 Past

SOAG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 32.58%, which is quite impressive.
SOAG shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.13% yearly.
Looking at the last year, SOAG shows a quite strong growth in Revenue. The Revenue has grown by 17.68% in the last year.
The Revenue has been growing by 10.01% on average over the past years. This is quite good.
EPS 1Y (TTM)32.58%
EPS 3Y13.87%
EPS 5Y10.13%
EPS Q2Q%10.8%
Revenue 1Y (TTM)17.68%
Revenue growth 3Y13.72%
Revenue growth 5Y10.01%
Sales Q2Q%10.07%

3.2 Future

SOAG is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -2.82% yearly.
Based on estimates for the next years, SOAG will show a small growth in Revenue. The Revenue will grow by 0.15% on average per year.
EPS Next Y-11.23%
EPS Next 2Y-6.26%
EPS Next 3Y-2.82%
EPS Next 5YN/A
Revenue Next Year-1.53%
Revenue Next 2Y0.15%
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.
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.
SOAG.OL Yearly Revenue VS EstimatesSOAG.OL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M 800M 1B
SOAG.OL Yearly EPS VS EstimatesSOAG.OL Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 10 20 30 40

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3

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 8.40, the valuation of SOAG can be described as reasonable.
SOAG's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of SOAG to the average of the S&P500 Index (28.79), we can say SOAG is valued rather cheaply.
SOAG is valuated reasonably with a Price/Forward Earnings ratio of 9.46.
Compared to the rest of the industry, the Price/Forward Earnings ratio of SOAG is on the same level as its industry peers.
SOAG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.38.
Industry RankSector Rank
PE 8.4
Fwd PE 9.46
SOAG.OL Price Earnings VS Forward Price EarningsSOAG.OL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
SOAG.OL Per share dataSOAG.OL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 100 200 300 400

4.3 Compensation for Growth

A cheap valuation may be justified as SOAG's earnings are expected to decrease with -2.82% in the coming years.
PEG (NY)N/A
PEG (5Y)0.83
EPS Next 2Y-6.26%
EPS Next 3Y-2.82%

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.94%, SOAG is a good candidate for dividend investing.
SOAG'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, SOAG pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.94%

5.2 History

The dividend of SOAG is nicely growing with an annual growth rate of 7.55%!
Dividend Growth(5Y)7.55%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

47.23% of the earnings are spent on dividend by SOAG. This is a bit on the high side, but may be sustainable.
DP47.23%
EPS Next 2Y-6.26%
EPS Next 3Y-2.82%
SOAG.OL Yearly Income VS Free CF VS DividendSOAG.OL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M -400M 600M 800M
SOAG.OL Dividend Payout.SOAG.OL Dividend Payout, showing the Payout Ratio.SOAG.OL Dividend Payout.PayoutRetained Earnings

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SPAREBANK 1 OSTFOLD AKERSHUS

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

414.95

-5.05 (-1.2%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-07 2025-02-07/bmo
Earnings (Next)05-15 2025-05-15
Inst Owners13.43%
Inst Owner ChangeN/A
Ins Owners0.31%
Ins Owner ChangeN/A
Market Cap5.14B
Analysts45.45
Price Target436.05 (5.08%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.94%
Yearly Dividend23.17
Dividend Growth(5Y)7.55%
DP47.23%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)26.14%
Min EPS beat(2)-11.23%
Max EPS beat(2)63.51%
EPS beat(4)2
Avg EPS beat(4)14.77%
Min EPS beat(4)-11.23%
Max EPS beat(4)63.51%
EPS beat(8)3
Avg EPS beat(8)4.33%
EPS beat(12)5
Avg EPS beat(12)4.56%
EPS beat(16)9
Avg EPS beat(16)8.58%
Revenue beat(2)1
Avg Revenue beat(2)18.37%
Min Revenue beat(2)-3.9%
Max Revenue beat(2)40.64%
Revenue beat(4)2
Avg Revenue beat(4)10.46%
Min Revenue beat(4)-3.9%
Max Revenue beat(4)40.64%
Revenue beat(8)4
Avg Revenue beat(8)4.76%
Revenue beat(12)8
Avg Revenue beat(12)6.54%
Revenue beat(16)12
Avg Revenue beat(16)8.02%
PT rev (1m)5.17%
PT rev (3m)11.47%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.91%
EPS NY rev (3m)9.66%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.23%
Valuation
Industry RankSector Rank
PE 8.4
Fwd PE 9.46
P/S 3.73
P/FCF N/A
P/OCF N/A
P/B 1.02
P/tB 1.03
EV/EBITDA N/A
EPS(TTM)49.4
EY11.91%
EPS(NY)43.85
Fwd EY10.57%
FCF(TTM)-40.68
FCFYN/A
OCF(TTM)-39.63
OCFYN/A
SpS111.22
BVpS406.54
TBVpS403.87
PEG (NY)N/A
PEG (5Y)0.83
Profitability
Industry RankSector Rank
ROA 2.07%
ROE 12.06%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 44.1%
GM N/A
FCFM N/A
ROA(3y)1.76%
ROA(5y)1.64%
ROE(3y)10.7%
ROE(5y)10.3%
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-0.16%
PM growth 5Y-0.06%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.97
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 0.94%
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-Score5
WACC6.91%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)0.81%
Cap/Sales(5y)0.81%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)32.58%
EPS 3Y13.87%
EPS 5Y10.13%
EPS Q2Q%10.8%
EPS Next Y-11.23%
EPS Next 2Y-6.26%
EPS Next 3Y-2.82%
EPS Next 5YN/A
Revenue 1Y (TTM)17.68%
Revenue growth 3Y13.72%
Revenue growth 5Y10.01%
Sales Q2Q%10.07%
Revenue Next Year-1.53%
Revenue Next 2Y0.15%
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 1Y-250.9%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-247.01%
OCF growth 3YN/A
OCF growth 5YN/A