SPAREBANK 1 OESTLANDET (SPOL.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:SPOL - NO0010751910 - Common Stock
197.14 NOK
+0.64 (+0.33%)
We assign a fundamental rating of 4 out of 10 to SPOL. SPOL was compared to 106 industry peers in the Banks industry. SPOL has a bad profitability rating. Also its financial health evaluation is rather negative. SPOL has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
SPOL had positive earnings in the past year.
In the past year SPOL had a positive cash flow from operations.
Each year in the past 5 years SPOL has been profitable.
In multiple years SPOL reported negative operating cash flow during the last 5 years.
1.2 Ratios
With a decent Return On Assets value of 1.16%, SPOL is doing good in the industry, outperforming 77.36% of the companies in the same industry.
The Return On Equity of SPOL (9.81%) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.16% | ||
| ROE | 9.81% | ||
| ROIC | N/A |
ROA(3y)0.91%
ROA(5y)0.88%
ROE(3y)7.72%
ROE(5y)7.43%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of SPOL (28.07%) is better than 71.70% of its industry peers.
SPOL's Profit Margin has been stable in the last couple of years.
SPOL 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) | 28.07% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.06%
PM growth 5Y-0.09%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
SPOL does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, SPOL has more shares outstanding
Compared to 5 years ago, SPOL has more shares outstanding
SPOL has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of SPOL is 2.86, which is a good value as it means it would take SPOL, 2.86 years of fcf income to pay off all of its debts.
SPOL has a better Debt to FCF ratio (2.86) than 94.34% of its industry peers.
SPOL has a Debt/Equity ratio of 1.81. This is a high value indicating a heavy dependency on external financing.
SPOL has a Debt to Equity ratio (1.81) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.81 | ||
| Debt/FCF | 2.86 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.13%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for SPOL have decreased by -7.28% in the last year.
Measured over the past 5 years, SPOL shows a small growth in Earnings Per Share. The EPS has been growing by 4.61% on average per year.
SPOL shows a strong growth in Revenue. In the last year, the Revenue has grown by 42.78%.
Measured over the past years, SPOL shows a quite strong growth in Revenue. The Revenue has been growing by 11.99% on average per year.
EPS 1Y (TTM)-7.28%
EPS 3Y16.79%
EPS 5Y4.61%
EPS Q2Q%-28.21%
Revenue 1Y (TTM)42.78%
Revenue growth 3Y19.14%
Revenue growth 5Y11.99%
Sales Q2Q%-1.61%
3.2 Future
The Earnings Per Share is expected to decrease by -4.07% on average over the next years.
Based on estimates for the next years, SPOL will show a small growth in Revenue. The Revenue will grow by 4.08% on average per year.
EPS Next Y-7.96%
EPS Next 2Y-8.48%
EPS Next 3Y-4.07%
EPS Next 5YN/A
Revenue Next Year11.08%
Revenue Next 2Y4.18%
Revenue Next 3Y4.08%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 11.38 indicates a reasonable valuation of SPOL.
Compared to the rest of the industry, the Price/Earnings ratio of SPOL is on the same level as its industry peers.
SPOL is valuated cheaply when we compare the Price/Earnings ratio to 26.22, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 12.36 indicates a correct valuation of SPOL.
72.64% of the companies in the same industry are cheaper than SPOL, based on the Price/Forward Earnings ratio.
SPOL's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.58.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.38 | ||
| Fwd PE | 12.36 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of SPOL indicates a rather cheap valuation: SPOL is cheaper than 98.11% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.63 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
SPOL's earnings are expected to decrease with -4.07% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)2.47
EPS Next 2Y-8.48%
EPS Next 3Y-4.07%
5. Dividend
5.1 Amount
SPOL has a Yearly Dividend Yield of 5.43%, which is a nice return.
SPOL's Dividend Yield is a higher than the industry average which is at 4.33.
Compared to an average S&P500 Dividend Yield of 1.87, SPOL pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.43% |
5.2 History
The dividend of SPOL is nicely growing with an annual growth rate of 11.05%!
Dividend Growth(5Y)11.05%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
75.02% of the earnings are spent on dividend by SPOL. This is not a sustainable payout ratio.
The Dividend Rate of SPOL has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP75.02%
EPS Next 2Y-8.48%
EPS Next 3Y-4.07%
OSL:SPOL (12/18/2025, 10:16:06 AM)
197.14
+0.64 (+0.33%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners11.58%
Inst Owner ChangeN/A
Ins Owners0.1%
Ins Owner ChangeN/A
Market Cap26.78B
Revenue(TTM)7.81B
Net Income(TTM)2.53B
Analysts46.67
Price Target187.68 (-4.8%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.43% |
Yearly Dividend10.23
Dividend Growth(5Y)11.05%
DP75.02%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)10.79%
Min EPS beat(2)6.43%
Max EPS beat(2)15.15%
EPS beat(4)4
Avg EPS beat(4)16.13%
Min EPS beat(4)4.36%
Max EPS beat(4)38.57%
EPS beat(8)5
Avg EPS beat(8)5.17%
EPS beat(12)6
Avg EPS beat(12)1.14%
EPS beat(16)8
Avg EPS beat(16)1.36%
Revenue beat(2)2
Avg Revenue beat(2)3.55%
Min Revenue beat(2)0.35%
Max Revenue beat(2)6.76%
Revenue beat(4)4
Avg Revenue beat(4)9.17%
Min Revenue beat(4)0.35%
Max Revenue beat(4)22.38%
Revenue beat(8)6
Avg Revenue beat(8)5.29%
Revenue beat(12)9
Avg Revenue beat(12)4.88%
Revenue beat(16)13
Avg Revenue beat(16)6.49%
PT rev (1m)3.56%
PT rev (3m)8.02%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.82%
EPS NY rev (1m)1.4%
EPS NY rev (3m)5.85%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.01%
Revenue NY rev (1m)2.08%
Revenue NY rev (3m)2.9%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.38 | ||
| Fwd PE | 12.36 | ||
| P/S | 2.97 | ||
| P/FCF | 1.63 | ||
| P/OCF | 1.6 | ||
| P/B | 1.04 | ||
| P/tB | 1.1 | ||
| EV/EBITDA | N/A |
EPS(TTM)17.32
EY8.79%
EPS(NY)15.96
Fwd EY8.09%
FCF(TTM)120.69
FCFY61.22%
OCF(TTM)123.11
OCFY62.45%
SpS66.38
BVpS190.02
TBVpS179.6
PEG (NY)N/A
PEG (5Y)2.47
Graham Number272.12
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.16% | ||
| ROE | 9.81% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 28.07% | ||
| GM | N/A | ||
| FCFM | 181.81% |
ROA(3y)0.91%
ROA(5y)0.88%
ROE(3y)7.72%
ROE(5y)7.43%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.06%
PM growth 5Y-0.09%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.81 | ||
| Debt/FCF | 2.86 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 3.65% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 647.77% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC6.13%
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)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-7.28%
EPS 3Y16.79%
EPS 5Y4.61%
EPS Q2Q%-28.21%
EPS Next Y-7.96%
EPS Next 2Y-8.48%
EPS Next 3Y-4.07%
EPS Next 5YN/A
Revenue 1Y (TTM)42.78%
Revenue growth 3Y19.14%
Revenue growth 5Y11.99%
Sales Q2Q%-1.61%
Revenue Next Year11.08%
Revenue Next 2Y4.18%
Revenue Next 3Y4.08%
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 1Y196.51%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y202.02%
OCF growth 3YN/A
OCF growth 5YN/A
SPAREBANK 1 OESTLANDET / SPOL.OL FAQ
What is the ChartMill fundamental rating of SPAREBANK 1 OESTLANDET (SPOL.OL) stock?
ChartMill assigns a fundamental rating of 4 / 10 to SPOL.OL.
Can you provide the valuation status for SPAREBANK 1 OESTLANDET?
ChartMill assigns a valuation rating of 4 / 10 to SPAREBANK 1 OESTLANDET (SPOL.OL). This can be considered as Fairly Valued.
Can you provide the profitability details for SPAREBANK 1 OESTLANDET?
SPAREBANK 1 OESTLANDET (SPOL.OL) has a profitability rating of 3 / 10.
What is the valuation of SPAREBANK 1 OESTLANDET based on its PE and PB ratios?
The Price/Earnings (PE) ratio for SPAREBANK 1 OESTLANDET (SPOL.OL) is 11.38 and the Price/Book (PB) ratio is 1.04.
Can you provide the expected EPS growth for SPOL stock?
The Earnings per Share (EPS) of SPAREBANK 1 OESTLANDET (SPOL.OL) is expected to decline by -7.96% in the next year.