SOGN SPAREBANK (SOGN.OL) Stock Fundamental Analysis
OSL:SOGN - Euronext Oslo - NO0006000603 - Common Stock - Currency: NOK
SOGN gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 95 industry peers in the Banks industry. SOGN has a bad profitability rating. Also its financial health evaluation is rather negative. SOGN has a decent growth rate and is not valued too expensively. SOGN also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
SOGN had positive earnings in the past year.
In the past year SOGN had a positive cash flow from operations.
In the past 5 years SOGN has always been profitable.
Of the past 5 years SOGN 4 years had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.16%, SOGN is doing worse than 87.37% of the companies in the same industry.
SOGN has a Return On Equity of 1.11%. This is amonst the worse of the industry: SOGN underperforms 87.37% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.16% | ||
| ROE | 1.11% | ||
| ROIC | N/A |
ROA(3y)0.15%
ROA(5y)0.12%
ROE(3y)1.02%
ROE(5y)0.86%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
SOGN has a worse Profit Margin (5.19%) than 87.37% of its industry peers.
In the last couple of years the Profit Margin of SOGN has grown nicely.
SOGN 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) | 5.19% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y5.94%
PM growth 5Y15.43%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
SOGN does not have a ROIC to compare to the WACC, probably because it is not profitable.
SOGN has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, SOGN has more shares outstanding
Compared to 1 year ago, SOGN has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of SOGN is 7.04, which is on the high side as it means it would take SOGN, 7.04 years of fcf income to pay off all of its debts.
SOGN has a better Debt to FCF ratio (7.04) than 87.37% of its industry peers.
A Debt/Equity ratio of 0.60 indicates that SOGN is somewhat dependend on debt financing.
The Debt to Equity ratio of SOGN (0.60) is better than 86.32% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.6 | ||
| Debt/FCF | 7.04 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.61%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
SOGN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 19.53%, which is quite good.
SOGN shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 30.40% yearly.
The Revenue has been growing slightly by 6.40% in the past year.
SOGN shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.33% yearly.
EPS 1Y (TTM)19.53%
EPS 3Y21.3%
EPS 5Y30.4%
EPS Q2Q%8.24%
Revenue 1Y (TTM)6.4%
Revenue growth 3Y14.81%
Revenue growth 5Y9.33%
Sales Q2Q%5.95%
3.2 Future
The Earnings Per Share is expected to decrease by -6.18% on average over the next years.
SOGN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.04% yearly.
EPS Next Y-23.98%
EPS Next 2Y-8.8%
EPS Next 3Y-6.18%
EPS Next 5YN/A
Revenue Next Year4.69%
Revenue Next 2Y4.17%
Revenue Next 3Y3.04%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 11.26, which indicates a very decent valuation of SOGN.
Compared to the rest of the industry, the Price/Earnings ratio of SOGN indicates a slightly more expensive valuation: SOGN is more expensive than 77.89% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 28.79, SOGN is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 14.82, the valuation of SOGN can be described as correct.
Based on the Price/Forward Earnings ratio, SOGN is valued a bit more expensive than the industry average as 76.84% of the companies are valued more cheaply.
The average S&P500 Price/Forward Earnings ratio is at 21.38. SOGN is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.26 | ||
| Fwd PE | 14.82 |
4.2 Price Multiples
95.79% of the companies in the same industry are more expensive than SOGN, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.55 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as SOGN's earnings are expected to decrease with -6.18% in the coming years.
PEG (NY)N/A
PEG (5Y)0.37
EPS Next 2Y-8.8%
EPS Next 3Y-6.18%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 8.15%, SOGN is a good candidate for dividend investing.
In the last 3 months the price of SOGN has falen by -21.49%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
SOGN's Dividend Yield is rather good when compared to the industry average which is at 5.50. SOGN pays more dividend than 94.74% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.47, SOGN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.15% |
5.2 History
On average, the dividend of SOGN grows each year by 47.25%, which is quite nice.
Dividend Growth(5Y)47.25%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
SOGN pays out 72.31% of its income as dividend. This is not a sustainable payout ratio.
The Dividend Rate of SOGN has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP72.31%
EPS Next 2Y-8.8%
EPS Next 3Y-6.18%
OSL:SOGN (4/25/2025, 7:00:00 PM)
245.45
+0.1 (+0.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners7.5%
Inst Owner ChangeN/A
Ins Owners20.99%
Ins Owner ChangeN/A
Market Cap154.63M
Analysts37.78
Price Target175.44 (-28.52%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.15% |
Yearly Dividend15
Dividend Growth(5Y)47.25%
DP72.31%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)39.78%
Min EPS beat(2)-3.79%
Max EPS beat(2)83.36%
EPS beat(4)3
Avg EPS beat(4)38.82%
Min EPS beat(4)-3.79%
Max EPS beat(4)83.36%
EPS beat(8)5
Avg EPS beat(8)21.08%
EPS beat(12)9
Avg EPS beat(12)18.68%
EPS beat(16)11
Avg EPS beat(16)17.82%
Revenue beat(2)2
Avg Revenue beat(2)12.29%
Min Revenue beat(2)8.9%
Max Revenue beat(2)15.68%
Revenue beat(4)4
Avg Revenue beat(4)11.69%
Min Revenue beat(4)2%
Max Revenue beat(4)20.18%
Revenue beat(8)7
Avg Revenue beat(8)10.95%
Revenue beat(12)10
Avg Revenue beat(12)12.24%
Revenue beat(16)14
Avg Revenue beat(16)11.53%
PT rev (1m)0%
PT rev (3m)10.97%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)-19.08%
EPS NY rev (3m)-3.96%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.93%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.26 | ||
| Fwd PE | 14.82 | ||
| P/S | 0.61 | ||
| P/FCF | 1.55 | ||
| P/OCF | 1.48 | ||
| P/B | 0.13 | ||
| P/tB | 0.13 | ||
| EV/EBITDA | N/A |
EPS(TTM)21.79
EY8.88%
EPS(NY)16.56
Fwd EY6.75%
FCF(TTM)158.11
FCFY64.42%
OCF(TTM)165.53
OCFY67.44%
SpS401.6
BVpS1870.3
TBVpS1870.3
PEG (NY)N/A
PEG (5Y)0.37
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.16% | ||
| ROE | 1.11% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 5.19% | ||
| GM | N/A | ||
| FCFM | 39.37% |
ROA(3y)0.15%
ROA(5y)0.12%
ROE(3y)1.02%
ROE(5y)0.86%
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 3Y5.94%
PM growth 5Y15.43%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.6 | ||
| Debt/FCF | 7.04 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 1.85% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 759.22% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC5.61%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)3.66%
Cap/Sales(5y)3.2%
Profit Quality(3y)1030.99%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)19.53%
EPS 3Y21.3%
EPS 5Y30.4%
EPS Q2Q%8.24%
EPS Next Y-23.98%
EPS Next 2Y-8.8%
EPS Next 3Y-6.18%
EPS Next 5YN/A
Revenue 1Y (TTM)6.4%
Revenue growth 3Y14.81%
Revenue growth 5Y9.33%
Sales Q2Q%5.95%
Revenue Next Year4.69%
Revenue Next 2Y4.17%
Revenue Next 3Y3.04%
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 1Y35.4%
FCF growth 3Y204.33%
FCF growth 5Y14.64%
OCF growth 1Y28.44%
OCF growth 3Y113.38%
OCF growth 5Y15.24%