SPAREBANK 1 OSTFOLD AKERSHUS(OSL:SOAG) stock Fundamental Analysis

Fundamental Rating

SOAG gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 99 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. SOAG has a decent growth rate and is not valued too expensively.

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1. Profitability

1.1 Basic Checks

In the past year SOAG was profitable.

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

SOAG had positive earnings in each of the past 5 years.

Of the past 5 years SOAG 4 years had a positive operating cash flow.

1.2 Ratios

With an excellent Return On Assets value of 2.07%, SOAG belongs to the best of the industry, outperforming 95.70% of the companies in the same industry.

SOAG has a better Return On Equity (12.11%) than 61.29% of its industry peers.

		Industry Rank	Sector Rank
ROA	2.07%
ROE	12.11%
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

1.3 Margins

With an excellent Profit Margin value of 44.28%, SOAG belongs to the best of the industry, outperforming 96.77% of the companies in the same industry.

SOAG's Profit Margin has been stable in the last couple of years.

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

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	44.28%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-0.12%

PM growth 5Y-0.03%

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

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.

Compared to 5 years ago, SOAG has more shares outstanding

SOAG has a worse debt/assets ratio than last year.

2.2 Solvency

A Debt/Equity ratio of 0.97 indicates that SOAG is somewhat dependend on debt financing.

SOAG has a Debt to Equity ratio of 0.97. This is in the better half of the industry: SOAG outperforms 75.27% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.97
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC6.8%

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

SOAG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 31.83%, 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 9.99% yearly.

SOAG shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 17.59%.

The Revenue has been growing by 9.98% on average over the past years. This is quite good.

EPS 1Y (TTM)31.83%

EPS 3Y13.6%

EPS 5Y9.99%

EPS Q2Q%8.05%

Revenue 1Y (TTM)17.59%

Revenue growth 3Y13.66%

Revenue growth 5Y9.98%

Sales Q2Q%11.46%

3.2 Future

The Earnings Per Share is expected to decrease by -7.27% on average over the next years.

SOAG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.15% yearly.

EPS Next Y-12.14%

EPS Next 2Y-7.27%

EPS Next 3YN/A

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.

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 8.11, the valuation of SOAG can be described as reasonable.

67.74% of the companies in the same industry are more expensive than SOAG, based on the Price/Earnings ratio.

When comparing the Price/Earnings ratio of SOAG to the average of the S&P500 Index (29.35), we can say SOAG is valued rather cheaply.

SOAG is valuated reasonably with a Price/Forward Earnings ratio of 9.17.

Compared to the rest of the industry, the Price/Forward Earnings ratio of SOAG indicates a somewhat cheap valuation: SOAG is cheaper than 65.59% of the companies listed in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 22.10. SOAG is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	8.11
Fwd PE	9.17

4.2 Price Multiples

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

4.3 Compensation for Growth

SOAG's earnings are expected to decrease with -7.27% in the coming years. This may justify a cheaper valuation.

PEG (NY)N/A

PEG (5Y)0.81

EPS Next 2Y-7.27%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.61%, SOAG is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 5.06, SOAG has a dividend in line with its industry peers.

SOAG's Dividend Yield is rather good when compared to the S&P500 average which is at 2.33.

		Industry Rank	Sector Rank
Dividend Yield	4.61%

5.2 History

On average, the dividend of SOAG grows each year by 7.55%, which is quite nice.

Dividend Growth(5Y)7.55%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

SOAG pays out 47.07% of its income as dividend. This is a bit on the high side, but may be sustainable.

DP47.07%

EPS Next 2Y-7.27%

EPS Next 3YN/A

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SPAREBANK 1 OSTFOLD AKERSHUS

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

398.65

-37.35 (-8.57%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

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

Earnings (Next)05-15 2025-05-15

Inst Owners13.43%

Inst Owner ChangeN/A

Ins Owners0.31%

Ins Owner ChangeN/A

Market Cap4.94B

Analysts45.45

Price Target414.63 (4.01%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.61%

Yearly Dividend23.17

Dividend Growth(5Y)7.55%

DP47.07%

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)18.98%

Min Revenue beat(2)-2.69%

Max Revenue beat(2)40.64%

Revenue beat(4)2

Avg Revenue beat(4)10.76%

Min Revenue beat(4)-2.69%

Max Revenue beat(4)40.64%

Revenue beat(8)4

Avg Revenue beat(8)4.91%

Revenue beat(12)8

Avg Revenue beat(12)6.64%

Revenue beat(16)12

Avg Revenue beat(16)8.1%

PT rev (1m)6%

PT rev (3m)6%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)9.81%

EPS NY rev (3m)8.67%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0.23%

Revenue NY rev (3m)5.08%

Valuation

		Industry Rank	Sector Rank
PE	8.11
Fwd PE	9.17
P/S	3.59
P/FCF	N/A
P/OCF	N/A
P/B	0.98
P/tB	0.99
EV/EBITDA	N/A

EPS(TTM)49.17

EY12.33%

EPS(NY)43.46

Fwd EY10.9%

FCF(TTM)-40.68

FCFYN/A

OCF(TTM)-39.63

OCFYN/A

SpS111.14

BVpS406.54

TBVpS403.87

PEG (NY)N/A

PEG (5Y)0.81

Profitability

		Industry Rank	Sector Rank
ROA	2.07%
ROE	12.11%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	44.28%
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-0.12%

PM growth 5Y-0.03%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.05

Health

		Industry Rank	Sector 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

WACC6.8%

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)31.83%

EPS 3Y13.6%

EPS 5Y9.99%

EPS Q2Q%8.05%

EPS Next Y-12.14%

EPS Next 2Y-7.27%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)17.59%

Revenue growth 3Y13.66%

Revenue growth 5Y9.98%

Sales Q2Q%11.46%

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

SPAREBANK 1 OSTFOLD AKERSHUS (SOAG.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