VVL Fundamental Analysis - VEKSELBANKEN

Fundamental Rating

Overall VVL gets a fundamental rating of 4 out of 10. We evaluated VVL against 95 industry peers in the Banks industry. VVL has a medium profitability rating, but doesn't score so well on its financial health evaluation. VVL is not valued too expensively and it also shows a decent growth rate. VVL also has an excellent dividend rating.

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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.

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

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

1.2 Ratios

VVL has a better Return On Assets (1.30%) than 87.37% of its industry peers.

VVL has a Return On Equity (10.64%) which is in line with its industry peers.

		Industry Rank	Sector Rank
ROA	1.3%
ROE	10.64%
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

With an excellent Profit Margin value of 43.04%, VVL belongs to the best of the industry, outperforming 95.79% of the companies in the same industry.

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)	43.04%
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.

The number of shares outstanding for VVL remains at a similar level compared to 1 year ago.

The number of shares outstanding for VVL remains at a similar level compared to 5 years ago.

The debt/assets ratio for VVL has been reduced compared to a year ago.

2.2 Solvency

VVL has a debt to FCF ratio of 14.07. This is a negative value and a sign of low solvency as VVL would need 14.07 years to pay back of all of its debts.

With an excellent Debt to FCF ratio value of 14.07, VVL belongs to the best of the industry, outperforming 82.11% of the companies in the same industry.

VVL has a Debt/Equity ratio of 1.27. This is a high value indicating a heavy dependency on external financing.

VVL has a Debt to Equity ratio of 1.27. This is in the better half of the industry: VVL outperforms 68.42% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.27
Debt/FCF	14.07
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

VVL shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.70%.

The Earnings Per Share has been growing by 10.52% on average over the past years. This is quite good.

Looking at the last year, VVL shows a quite strong growth in Revenue. The Revenue has grown by 8.94% in the last year.

The Revenue has been growing by 11.29% on average over the past years. This is quite good.

EPS 1Y (TTM)3.7%

EPS 3Y24.65%

EPS 5Y10.52%

EPS Q2Q%13.76%

Revenue 1Y (TTM)8.94%

Revenue growth 3Y20.31%

Revenue growth 5Y11.29%

Sales Q2Q%1.6%

3.2 Future

The Earnings Per Share is expected to grow by 3.55% on average over the next years.

Based on estimates for the next years, VVL will show a small growth in Revenue. The Revenue will grow by 5.58% on average per year.

EPS Next Y-4.61%

EPS Next 2Y0.23%

EPS Next 3Y3.55%

EPS Next 5YN/A

Revenue Next Year5.07%

Revenue Next 2Y5.25%

Revenue Next 3Y5.58%

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.

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4. Valuation

4.1 Price/Earnings Ratio

VVL is valuated reasonably with a Price/Earnings ratio of 9.49.

64.21% of the companies in the same industry are more expensive than VVL, based on the Price/Earnings ratio.

When comparing the Price/Earnings ratio of VVL to the average of the S&P500 Index (27.38), we can say VVL is valued rather cheaply.

VVL is valuated reasonably with a Price/Forward Earnings ratio of 9.67.

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

The average S&P500 Price/Forward Earnings ratio is at 22.86. VVL is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	9.49
Fwd PE	9.67

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of VVL indicates a somewhat cheap valuation: VVL is cheaper than 73.68% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	11.64
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.9

EPS Next 2Y0.23%

EPS Next 3Y3.55%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.34%, VVL is a good candidate for dividend investing.

VVL's Dividend Yield is comparable with the industry average which is at 4.93.

VVL's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.

		Industry Rank	Sector Rank
Dividend Yield	4.34%

5.2 History

On average, the dividend of VVL grows each year by 15.20%, which is quite nice.

Dividend Growth(5Y)15.2%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

36.79% of the earnings are spent on dividend by VVL. This is a low number and sustainable payout ratio.

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

DP36.79%

EPS Next 2Y0.23%

EPS Next 3Y3.55%

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VEKSELBANKEN

OSL:VVL (9/19/2025, 7:00:00 PM)

378

+2 (+0.53%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)08-13 2025-08-13/bmo

Earnings (Next)N/A N/A

Inst Owners8.56%

Inst Owner ChangeN/A

Ins Owners4.08%

Ins Owner ChangeN/A

Market Cap839.16M

Analysts80

Price Target404.94 (7.13%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.34%

Yearly Dividend14.16

Dividend Growth(5Y)15.2%

DP36.79%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-17.44%

Min EPS beat(2)-19.66%

Max EPS beat(2)-15.22%

EPS beat(4)1

Avg EPS beat(4)-5.52%

Min EPS beat(4)-19.66%

Max EPS beat(4)20.92%

EPS beat(8)4

Avg EPS beat(8)-0.06%

EPS beat(12)7

Avg EPS beat(12)0.44%

EPS beat(16)8

Avg EPS beat(16)-1.79%

Revenue beat(2)0

Avg Revenue beat(2)-17.65%

Min Revenue beat(2)-23.96%

Max Revenue beat(2)-11.33%

Revenue beat(4)0

Avg Revenue beat(4)-15.79%

Min Revenue beat(4)-23.96%

Max Revenue beat(4)-11.33%

Revenue beat(8)2

Avg Revenue beat(8)-6.9%

Revenue beat(12)6

Avg Revenue beat(12)-0.24%

Revenue beat(16)8

Avg Revenue beat(16)0.22%

PT rev (1m)0%

PT rev (3m)0%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-3.41%

EPS NY rev (1m)-8.79%

EPS NY rev (3m)-8.79%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-8.78%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-7.89%

Valuation

		Industry Rank	Sector Rank
PE	9.49
Fwd PE	9.67
P/S	4.26
P/FCF	11.64
P/OCF	10.96
P/B	1.05
P/tB	1.05
EV/EBITDA	N/A

EPS(TTM)39.85

EY10.54%

EPS(NY)39.09

Fwd EY10.34%

FCF(TTM)32.47

FCFY8.59%

OCF(TTM)34.49

OCFY9.12%

SpS88.74

BVpS359.04

TBVpS359.04

PEG (NY)N/A

PEG (5Y)0.9

Profitability

		Industry Rank	Sector Rank
ROA	1.3%
ROE	10.64%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	43.04%
GM	N/A
FCFM	36.59%

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-Score7

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	1.27
Debt/FCF	14.07
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	2.28%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	85.02%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

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)3.7%

EPS 3Y24.65%

EPS 5Y10.52%

EPS Q2Q%13.76%

EPS Next Y-4.61%

EPS Next 2Y0.23%

EPS Next 3Y3.55%

EPS Next 5YN/A

Revenue 1Y (TTM)8.94%

Revenue growth 3Y20.31%

Revenue growth 5Y11.29%

Sales Q2Q%1.6%

Revenue Next Year5.07%

Revenue Next 2Y5.25%

Revenue Next 3Y5.58%

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-40.8%

FCF growth 3YN/A

FCF growth 5Y24.51%

OCF growth 1Y-37.69%

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