VEKSELBANKEN (VVL.OL) Stock Fundamental Analysis
Europe - Euronext Oslo - OSL:VVL - NO0003025009 - Common Stock
394 NOK
0 (0%)
We assign a fundamental rating of 4 out of 10 to VVL. VVL was compared to 118 industry peers in the Banks industry. VVL has a medium profitability rating, but doesn't score so well on its financial health evaluation. VVL has a correct valuation and a medium growth rate.
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.
- Of the past 5 years VVL 4 years had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of VVL (1.22%) is better than 80.51% of its industry peers.
- VVL's Return On Equity of 10.22% is in line compared to the rest of the industry. VVL outperforms 44.92% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.22% | ||
| ROE | 10.22% | ||
| 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 41.39%, VVL belongs to the best of the industry, outperforming 94.07% of the companies in the same industry.
- In the last couple of years the Profit Margin of VVL has remained more or less at the same level.
- VVL 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) | 41.39% | ||
| 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
2. Health
2.1 Basic Checks
- VVL does not have a ROIC to compare to the WACC, probably because it is not profitable.
- Compared to 1 year ago, VVL has about the same amount of shares outstanding.
- VVL has about the same amout of shares outstanding than it did 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 6.20. This is a slightly negative value and a sign of low solvency as VVL would need 6.20 years to pay back of all of its debts.
- With an excellent Debt to FCF ratio value of 6.20, VVL belongs to the best of the industry, outperforming 84.75% of the companies in the same industry.
- VVL has a Debt/Equity ratio of 1.21. This is a high value indicating a heavy dependency on external financing.
- VVL has a Debt to Equity ratio of 1.21. This is in the better half of the industry: VVL outperforms 67.80% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.21 | ||
| Debt/FCF | 6.2 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.04%
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 VVL have decreased by -8.18% in the last year.
- VVL shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.52% yearly.
- Looking at the last year, VVL shows a small growth in Revenue. The Revenue has grown by 2.55% in the last year.
- 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)-8.18%
EPS 3Y24.65%
EPS 5Y10.52%
EPS Q2Q%-21.16%
Revenue 1Y (TTM)2.55%
Revenue growth 3Y20.31%
Revenue growth 5Y11.29%
Sales Q2Q%0.48%
3.2 Future
- VVL is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.55% yearly.
- VVL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.58% yearly.
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.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 10.47, the valuation of VVL can be described as reasonable.
- VVL's Price/Earnings ratio is a bit cheaper when compared to the industry. VVL is cheaper than 71.19% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.54, VVL is valued rather cheaply.
- A Price/Forward Earnings ratio of 10.08 indicates a reasonable valuation of VVL.
- 78.81% of the companies in the same industry are more expensive than VVL, based on the Price/Forward Earnings ratio.
- When comparing the Price/Forward Earnings ratio of VVL to the average of the S&P500 Index (24.31), we can say VVL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.47 | ||
| Fwd PE | 10.08 |
4.2 Price Multiples
- VVL's Price/Free Cash Flow ratio is rather cheap when compared to the industry. VVL is cheaper than 83.05% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.5 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1
EPS Next 2Y0.23%
EPS Next 3Y3.55%
5. Dividend
5.1 Amount
- VVL has a Yearly Dividend Yield of 4.25%, which is a nice return.
- VVL's Dividend Yield is comparable with the industry average which is at 4.05.
- VVL's Dividend Yield is rather good when compared to the S&P500 average which is at 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.25% |
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
- 44.00% of the earnings are spent on dividend by VVL. This is a bit on the high side, but may be sustainable.
- VVL's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP44%
EPS Next 2Y0.23%
EPS Next 3Y3.55%
OSL:VVL (1/15/2026, 7:00:00 PM)
394
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-29 2025-10-29/bmo
Earnings (Next)N/A N/A
Inst Owners8.11%
Inst Owner ChangeN/A
Ins Owners3.8%
Ins Owner ChangeN/A
Market Cap874.68M
Revenue(TTM)200.35M
Net Income(TTM)82.93M
Analysts80
Price Target404.94 (2.78%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.25% |
Yearly Dividend14.16
Dividend Growth(5Y)15.2%
DP44%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-0.64%
Min EPS beat(2)-0.99%
Max EPS beat(2)-0.29%
EPS beat(4)0
Avg EPS beat(4)-9.04%
Min EPS beat(4)-19.66%
Max EPS beat(4)-0.29%
EPS beat(8)3
Avg EPS beat(8)1.13%
EPS beat(12)5
Avg EPS beat(12)-0.85%
EPS beat(16)8
Avg EPS beat(16)-1.16%
Revenue beat(2)0
Avg Revenue beat(2)-16.41%
Min Revenue beat(2)-17.42%
Max Revenue beat(2)-15.4%
Revenue beat(4)0
Avg Revenue beat(4)-17.03%
Min Revenue beat(4)-23.96%
Max Revenue beat(4)-11.33%
Revenue beat(8)0
Avg Revenue beat(8)-16.32%
Revenue beat(12)4
Avg Revenue beat(12)-4.31%
Revenue beat(16)6
Avg Revenue beat(16)-2.46%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.47 | ||
| Fwd PE | 10.08 | ||
| P/S | 4.37 | ||
| P/FCF | 5.5 | ||
| P/OCF | 5.2 | ||
| P/B | 1.08 | ||
| P/tB | 1.08 | ||
| EV/EBITDA | N/A |
EPS(TTM)37.62
EY9.55%
EPS(NY)39.09
Fwd EY9.92%
FCF(TTM)71.63
FCFY18.18%
OCF(TTM)75.76
OCFY19.23%
SpS90.25
BVpS365.56
TBVpS365.56
PEG (NY)N/A
PEG (5Y)1
Graham Number556.27
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.22% | ||
| ROE | 10.22% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 41.39% | ||
| GM | N/A | ||
| FCFM | 79.37% |
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
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 3Y4.59%
PM growth 5Y1.42%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.21 | ||
| Debt/FCF | 6.2 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 4.58% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 191.76% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC6.04%
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)-8.18%
EPS 3Y24.65%
EPS 5Y10.52%
EPS Q2Q%-21.16%
EPS Next Y-4.61%
EPS Next 2Y0.23%
EPS Next 3Y3.55%
EPS Next 5YN/A
Revenue 1Y (TTM)2.55%
Revenue growth 3Y20.31%
Revenue growth 5Y11.29%
Sales Q2Q%0.48%
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 1Y81.04%
FCF growth 3YN/A
FCF growth 5Y24.51%
OCF growth 1Y89.41%
OCF growth 3YN/A
OCF growth 5Y23.56%
VEKSELBANKEN / VVL.OL FAQ
Can you provide the ChartMill fundamental rating for VEKSELBANKEN?
ChartMill assigns a fundamental rating of 4 / 10 to VVL.OL.
What is the valuation status of VEKSELBANKEN (VVL.OL) stock?
ChartMill assigns a valuation rating of 5 / 10 to VEKSELBANKEN (VVL.OL). This can be considered as Fairly Valued.
Can you provide the profitability details for VEKSELBANKEN?
VEKSELBANKEN (VVL.OL) has a profitability rating of 4 / 10.
How financially healthy is VEKSELBANKEN?
The financial health rating of VEKSELBANKEN (VVL.OL) is 3 / 10.
What is the earnings growth outlook for VEKSELBANKEN?
The Earnings per Share (EPS) of VEKSELBANKEN (VVL.OL) is expected to decline by -4.61% in the next year.