VEKSELBANKEN(OSL:VVL) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to VVL. VVL was compared to 95 industry peers in the Banks industry. There are concerns on the financial health of VVL while its profitability can be described as average. VVL is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

VVL had positive earnings in the past year.

VVL had a positive operating cash flow in the past year.

Each year in the past 5 years VVL has been profitable.

VVL had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of 1.32%, VVL belongs to the top of the industry, outperforming 85.26% of the companies in the same industry.

VVL has a Return On Equity of 11.06%. This is comparable to the rest of the industry: VVL outperforms 53.68% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.32%
ROE	11.06%
ROIC	N/A

ROA(3y)1.12%

ROA(5y)0.94%

ROE(3y)9.54%

ROE(5y)8.22%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

VVL's Profit Margin of 43.97% is amongst the best of the industry. VVL outperforms 95.79% of its industry peers.

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

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

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	43.97%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y4.59%

PM growth 5Y1.42%

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

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

VVL has about the same amout of shares outstanding than it did 1 year ago.

VVL has about the same amout of shares outstanding than it did 5 years ago.

VVL has a better debt/assets ratio than last year.

2.2 Solvency

The Debt to FCF ratio of VVL is 11.34, which is on the high side as it means it would take VVL, 11.34 years of fcf income to pay off all of its debts.

The Debt to FCF ratio of VVL (11.34) is better than 85.26% of its industry peers.

A Debt/Equity ratio of 1.31 is on the high side and indicates that VVL has dependencies on debt financing.

VVL has a better Debt to Equity ratio (1.31) than 70.53% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.31
Debt/FCF	11.34
Altman-Z	N/A

ROIC/WACCN/A

WACC5.91%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 17.77% over the past year.

Measured over the past years, VVL shows a quite strong growth in Earnings Per Share. The EPS has been growing by 10.52% on average per year.

The Revenue has grown by 8.94% in the past year. This is quite good.

Measured over the past years, VVL shows a quite strong growth in Revenue. The Revenue has been growing by 11.29% on average per year.

EPS 1Y (TTM)17.77%

EPS 3Y24.65%

EPS 5Y10.52%

EPS Q2Q%-18.01%

Revenue 1Y (TTM)8.94%

Revenue growth 3Y20.31%

Revenue growth 5Y11.29%

Sales Q2Q%5.16%

3.2 Future

The Earnings Per Share is expected to grow by 5.68% on average over the next years.

VVL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.23% yearly.

EPS Next Y4.58%

EPS Next 2Y4.71%

EPS Next 3Y5.68%

EPS Next 5YN/A

Revenue Next Year3.99%

Revenue Next 2Y2.32%

Revenue Next 3Y5.23%

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

With a Price/Earnings ratio of 9.25, the valuation of VVL can be described as very reasonable.

VVL's Price/Earnings is on the same level as the industry average.

VVL's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.79.

Based on the Price/Forward Earnings ratio of 8.85, the valuation of VVL can be described as reasonable.

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

VVL is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.38, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	9.25
Fwd PE	8.85

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, VVL is valued a bit cheaper than 78.95% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	8.93
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates VVL does not grow enough to justify the current Price/Earnings ratio.

PEG (NY)2.02

PEG (5Y)0.88

EPS Next 2Y4.71%

EPS Next 3Y5.68%

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5. Dividend

5.1 Amount

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

Compared to an average industry Dividend Yield of 5.50, VVL is paying slightly less dividend.

VVL's Dividend Yield is rather good when compared to the S&P500 average which is at 2.47.

		Industry Rank	Sector Rank
Dividend Yield	4.61%

5.2 History

The dividend of VVL is nicely growing with an annual growth rate of 15.20%!

Dividend Growth(5Y)15.2%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

VVL pays out 36.38% of its income as dividend. This is a sustainable payout ratio.

VVL's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP36.38%

EPS Next 2Y4.71%

EPS Next 3Y5.68%

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VEKSELBANKEN

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

360

+2 (+0.56%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-12 2025-02-12/bmo

Earnings (Next)N/A N/A

Inst Owners10.67%

Inst Owner ChangeN/A

Ins Owners4.74%

Ins Owner ChangeN/A

Market Cap799.20M

Analysts80

Price Target373.32 (3.7%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.61%

Yearly Dividend14.16

Dividend Growth(5Y)15.2%

DP36.38%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)0.63%

Min EPS beat(2)-19.66%

Max EPS beat(2)20.92%

EPS beat(4)2

Avg EPS beat(4)0.94%

Min EPS beat(4)-19.66%

Max EPS beat(4)20.92%

EPS beat(8)4

Avg EPS beat(8)0.61%

EPS beat(12)7

Avg EPS beat(12)-0.28%

EPS beat(16)9

Avg EPS beat(16)-0.08%

Revenue beat(2)0

Avg Revenue beat(2)-12.29%

Min Revenue beat(2)-13.25%

Max Revenue beat(2)-11.33%

Revenue beat(4)0

Avg Revenue beat(4)-14.03%

Min Revenue beat(4)-16.9%

Max Revenue beat(4)-11.33%

Revenue beat(8)3

Avg Revenue beat(8)-2.63%

Revenue beat(12)6

Avg Revenue beat(12)1.48%

Revenue beat(16)9

Avg Revenue beat(16)2.22%

PT rev (1m)3.39%

PT rev (3m)20.39%

EPS NQ rev (1m)0%

EPS NQ rev (3m)N/A

EPS NY rev (1m)-0.22%

EPS NY rev (3m)2.78%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0%

Revenue NY rev (3m)3.34%

Valuation

		Industry Rank	Sector Rank
PE	9.25
Fwd PE	8.85
P/S	4.1
P/FCF	8.93
P/OCF	8.56
P/B	1.03
P/tB	1.03
EV/EBITDA	N/A

EPS(TTM)38.91

EY10.81%

EPS(NY)40.69

Fwd EY11.3%

FCF(TTM)40.3

FCFY11.19%

OCF(TTM)42.04

OCFY11.68%

SpS87.84

BVpS349.39

TBVpS349.39

PEG (NY)2.02

PEG (5Y)0.88

Profitability

		Industry Rank	Sector Rank
ROA	1.32%
ROE	11.06%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	43.97%
GM	N/A
FCFM	45.88%

ROA(3y)1.12%

ROA(5y)0.94%

ROE(3y)9.54%

ROE(5y)8.22%

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 3Y4.59%

PM growth 5Y1.42%

GM growth 3YN/A

GM growth 5YN/A

F-Score8

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	1.31
Debt/FCF	11.34
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	1.98%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	104.33%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACC5.91%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)1.12%

Cap/Sales(5y)0.69%

Profit Quality(3y)192.93%

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)17.77%

EPS 3Y24.65%

EPS 5Y10.52%

EPS Q2Q%-18.01%

EPS Next Y4.58%

EPS Next 2Y4.71%

EPS Next 3Y5.68%

EPS Next 5YN/A

Revenue 1Y (TTM)8.94%

Revenue growth 3Y20.31%

Revenue growth 5Y11.29%

Sales Q2Q%5.16%

Revenue Next Year3.99%

Revenue Next 2Y2.32%

Revenue Next 3Y5.23%

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-48.05%

FCF growth 3YN/A

FCF growth 5Y24.51%

OCF growth 1Y-46.22%

OCF growth 3YN/A

OCF growth 5Y23.56%

VEKSELBANKEN (VVL.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