SPAREBANKEN VEST(OSL:SVEG) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, SVEG scores 3 out of 10 in our fundamental rating. SVEG was compared to 97 industry peers in the Banks industry. SVEG has a bad profitability rating. Also its financial health evaluation is rather negative. SVEG has a correct valuation and a medium growth rate.

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1. Profitability

1.1 Basic Checks

SVEG had positive earnings in the past year.

In the past year SVEG had a positive cash flow from operations.

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

In the past 5 years SVEG always reported a positive cash flow from operatings.

1.2 Ratios

The Return On Assets of SVEG (0.56%) is comparable to the rest of the industry.

SVEG's Return On Equity of 7.25% is on the low side compared to the rest of the industry. SVEG is outperformed by 61.86% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.56%
ROE	7.25%
ROIC	N/A

ROA(3y)0.49%

ROA(5y)0.45%

ROE(3y)6.19%

ROE(5y)5.61%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

With a decent Profit Margin value of 23.27%, SVEG is doing good in the industry, outperforming 61.86% of the companies in the same industry.

SVEG's Profit Margin has improved in the last couple of years.

SVEG 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)	23.27%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y12.59%

PM growth 5Y16.7%

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

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

Compared to 1 year ago, SVEG has about the same amount of shares outstanding.

The number of shares outstanding for SVEG has been increased compared to 5 years ago.

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

2.2 Solvency

SVEG has a debt to FCF ratio of 39.73. This is a negative value and a sign of low solvency as SVEG would need 39.73 years to pay back of all of its debts.

The Debt to FCF ratio of SVEG (39.73) is better than 75.26% of its industry peers.

A Debt/Equity ratio of 6.63 is on the high side and indicates that SVEG has dependencies on debt financing.

Looking at the Debt to Equity ratio, with a value of 6.63, SVEG is doing worse than 88.66% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	6.63
Debt/FCF	39.73
Altman-Z	N/A

ROIC/WACCN/A

WACC5.01%

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

The Earnings Per Share has grown by an impressive 30.49% over the past year.

Measured over the past years, SVEG shows a quite strong growth in Earnings Per Share. The EPS has been growing by 17.42% on average per year.

The Revenue has decreased by -2.96% in the past year.

The Revenue has been growing by 10.96% on average over the past years. This is quite good.

EPS 1Y (TTM)30.49%

EPS 3Y22.09%

EPS 5Y17.42%

EPS Q2Q%7.5%

Revenue 1Y (TTM)-2.96%

Revenue growth 3Y9.69%

Revenue growth 5Y10.96%

Sales Q2Q%12.54%

3.2 Future

SVEG is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -1.44% yearly.

The Revenue is expected to grow by 17.81% on average over the next years. This is quite good.

EPS Next Y-10.92%

EPS Next 2Y-6.15%

EPS Next 3Y-1.44%

EPS Next 5YN/A

Revenue Next Year43.88%

Revenue Next 2Y27.01%

Revenue Next 3Y17.81%

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 accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 8.19, which indicates a very decent valuation of SVEG.

Based on the Price/Earnings ratio, SVEG is valued a bit cheaper than the industry average as 65.98% of the companies are valued more expensively.

When comparing the Price/Earnings ratio of SVEG to the average of the S&P500 Index (28.78), we can say SVEG is valued rather cheaply.

The Price/Forward Earnings ratio is 9.19, which indicates a very decent valuation of SVEG.

SVEG's Price/Forward Earnings ratio is in line with the industry average.

SVEG is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.32, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	8.19
Fwd PE	9.19

4.2 Price Multiples

SVEG's Price/Free Cash Flow ratio is rather cheap when compared to the industry. SVEG is cheaper than 85.57% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	3.43
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.47

EPS Next 2Y-6.15%

EPS Next 3Y-1.44%

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5. Dividend

5.1 Amount

SVEG has a Yearly Dividend Yield of 6.28%, which is a nice return.

Compared to an average industry Dividend Yield of 5.42, SVEG pays a bit more dividend than its industry peers.

Compared to an average S&P500 Dividend Yield of 2.46, SVEG pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	6.28%

5.2 History

On average, the dividend of SVEG grows each year by 42.04%, which is quite nice.

Dividend Growth(5Y)42.04%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

141.25% of the earnings are spent on dividend by SVEG. This is not a sustainable payout ratio.

SVEG's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.

DP141.25%

EPS Next 2Y-6.15%

EPS Next 3Y-1.44%

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SPAREBANKEN VEST

OSL:SVEG (4/28/2025, 3:18:42 PM)

136.36

-0.52 (-0.38%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

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

Earnings (Next)05-09 2025-05-09

Inst Owners31.58%

Inst Owner ChangeN/A

Ins Owners0.72%

Ins Owner ChangeN/A

Market Cap14.96B

Analysts80

Price Target154.7 (13.45%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.28%

Yearly Dividend24.37

Dividend Growth(5Y)42.04%

DP141.25%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)6.59%

Min EPS beat(2)-2.61%

Max EPS beat(2)15.78%

EPS beat(4)3

Avg EPS beat(4)5.61%

Min EPS beat(4)-2.61%

Max EPS beat(4)15.78%

EPS beat(8)5

Avg EPS beat(8)4.12%

EPS beat(12)8

Avg EPS beat(12)14.74%

EPS beat(16)12

Avg EPS beat(16)15.37%

Revenue beat(2)1

Avg Revenue beat(2)3.31%

Min Revenue beat(2)-0.05%

Max Revenue beat(2)6.67%

Revenue beat(4)2

Avg Revenue beat(4)1.98%

Min Revenue beat(4)-1.47%

Max Revenue beat(4)6.67%

Revenue beat(8)3

Avg Revenue beat(8)0.36%

Revenue beat(12)7

Avg Revenue beat(12)5.98%

Revenue beat(16)11

Avg Revenue beat(16)18.01%

PT rev (1m)-0.87%

PT rev (3m)3.38%

EPS NQ rev (1m)-2.7%

EPS NQ rev (3m)N/A

EPS NY rev (1m)0.41%

EPS NY rev (3m)-5.08%

Revenue NQ rev (1m)16.19%

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)13.91%

Revenue NY rev (3m)28.95%

Valuation

		Industry Rank	Sector Rank
PE	8.19
Fwd PE	9.19
P/S	1.84
P/FCF	3.43
P/OCF	3.38
P/B	0.57
P/tB	0.59
EV/EBITDA	N/A

EPS(TTM)16.65

EY12.21%

EPS(NY)14.83

Fwd EY10.88%

FCF(TTM)39.7

FCFY29.11%

OCF(TTM)40.36

OCFY29.6%

SpS74.13

BVpS238.03

TBVpS232.88

PEG (NY)N/A

PEG (5Y)0.47

Profitability

		Industry Rank	Sector Rank
ROA	0.56%
ROE	7.25%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	23.27%
GM	N/A
FCFM	53.56%

ROA(3y)0.49%

ROA(5y)0.45%

ROE(3y)6.19%

ROE(5y)5.61%

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 3Y12.59%

PM growth 5Y16.7%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	6.63
Debt/FCF	39.73
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	0.89%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	230.19%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC5.01%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)1.41%

Cap/Sales(5y)1.57%

Profit Quality(3y)228.55%

Profit Quality(5y)217.4%

High Growth Momentum

Growth

EPS 1Y (TTM)30.49%

EPS 3Y22.09%

EPS 5Y17.42%

EPS Q2Q%7.5%

EPS Next Y-10.92%

EPS Next 2Y-6.15%

EPS Next 3Y-1.44%

EPS Next 5YN/A

Revenue 1Y (TTM)-2.96%

Revenue growth 3Y9.69%

Revenue growth 5Y10.96%

Sales Q2Q%12.54%

Revenue Next Year43.88%

Revenue Next 2Y27.01%

Revenue Next 3Y17.81%

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 1Y18.31%

FCF growth 3Y28.27%

FCF growth 5Y61.38%

OCF growth 1Y16.86%

OCF growth 3Y27.09%

OCF growth 5Y18.41%

SPAREBANKEN VEST (SVEG.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