VEKSELBANKEN (VVL.OL) Fundamental Analysis & Valuation
OSL:VVL • NO0003025009
Current stock price
442 NOK
+4 (+0.91%)
Last:
This VVL.OL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. VVL.OL Profitability Analysis
1.1 Basic Checks
- VVL had positive earnings in the past year.
- In the past year VVL had a positive cash flow from operations.
- Each year in the past 5 years VVL has been profitable.
- Of the past 5 years VVL 4 years had a positive operating cash flow.
1.2 Ratios
- VVL has a better Return On Assets (1.20%) than 76.58% of its industry peers.
- The Return On Equity of VVL (10.02%) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.2% | ||
| ROE | 10.02% | ||
| ROIC | N/A |
ROA(3y)1.23%
ROA(5y)1.06%
ROE(3y)10.38%
ROE(5y)9.11%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- VVL has a better Profit Margin (41.90%) than 90.09% of its industry peers.
- In the last couple of years the Profit Margin of VVL has grown nicely.
- 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) | 41.9% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y2.63%
PM growth 5Y6.5%
GM growth 3YN/A
GM growth 5YN/A
2. VVL.OL Health Analysis
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.
- VVL has a better debt/assets ratio than last year.
2.2 Solvency
- The Debt to FCF ratio of VVL is 79.82, which is on the high side as it means it would take VVL, 79.82 years of fcf income to pay off all of its debts.
- VVL's Debt to FCF ratio of 79.82 is in line compared to the rest of the industry. VVL outperforms 50.45% of its industry peers.
- A Debt/Equity ratio of 1.29 is on the high side and indicates that VVL has dependencies on debt financing.
- Looking at the Debt to Equity ratio, with a value of 1.29, VVL is in line with its industry, outperforming 58.56% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.29 | ||
| Debt/FCF | 79.82 | ||
| 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. VVL.OL Growth Analysis
3.1 Past
- VVL shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -1.82%.
- VVL shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 20.59% yearly.
- Looking at the last year, VVL shows a small growth in Revenue. The Revenue has grown by 3.04% in the last year.
- VVL shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 13.03% yearly.
EPS 1Y (TTM)-1.82%
EPS 3Y17.41%
EPS 5Y20.59%
EPS Q2Q%6.18%
Revenue 1Y (TTM)3.04%
Revenue growth 3Y14.4%
Revenue growth 5Y13.03%
Sales Q2Q%29.14%
3.2 Future
- Based on estimates for the next years, VVL will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.03% on average per year.
- VVL is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.31% yearly.
EPS Next Y3.88%
EPS Next 2Y8.03%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year9.18%
Revenue Next 2Y8.31%
Revenue Next 3YN/A
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. VVL.OL Valuation Analysis
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 11.57, which indicates a very decent valuation of VVL.
- Compared to the rest of the industry, the Price/Earnings ratio of VVL indicates a slightly more expensive valuation: VVL is more expensive than 67.57% of the companies listed in the same industry.
- When comparing the Price/Earnings ratio of VVL to the average of the S&P500 Index (25.35), we can say VVL is valued rather cheaply.
- With a Price/Forward Earnings ratio of 11.14, the valuation of VVL can be described as very reasonable.
- 63.06% of the companies in the same industry are cheaper than VVL, based on the Price/Forward Earnings ratio.
- VVL is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.61, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.57 | ||
| Fwd PE | 11.14 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of VVL is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 72.1 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)2.98
PEG (5Y)0.56
EPS Next 2Y8.03%
EPS Next 3YN/A
5. VVL.OL Dividend Analysis
5.1 Amount
- VVL has a Yearly Dividend Yield of 4.13%, which is a nice return.
- Compared to an average industry Dividend Yield of 4.78, VVL has a dividend in line with its industry peers.
- VVL's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.13% |
5.2 History
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
- VVL pays out 43.19% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP43.19%
EPS Next 2Y8.03%
EPS Next 3YN/A
VVL.OL Fundamentals: All Metrics, Ratios and Statistics
OSL:VVL (3/31/2026, 7:00:00 PM)
442
+4 (+0.91%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-11 2026-02-11/bmo
Earnings (Next)N/A N/A
Inst Owners8.11%
Inst Owner ChangeN/A
Ins Owners3.8%
Ins Owner ChangeN/A
Market Cap981.24M
Revenue(TTM)200.92M
Net Income(TTM)84.19M
Analysts80
Price Target446.76 (1.08%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.13% |
Yearly Dividend16.5
Dividend Growth(5Y)N/A
DP43.19%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)10.15%
Min EPS beat(2)-0.99%
Max EPS beat(2)21.3%
EPS beat(4)1
Avg EPS beat(4)1.2%
Min EPS beat(4)-15.22%
Max EPS beat(4)21.3%
EPS beat(8)3
Avg EPS beat(8)1.07%
EPS beat(12)5
Avg EPS beat(12)0.81%
EPS beat(16)8
Avg EPS beat(16)0.09%
Revenue beat(2)1
Avg Revenue beat(2)-7.34%
Min Revenue beat(2)-17.42%
Max Revenue beat(2)2.73%
Revenue beat(4)1
Avg Revenue beat(4)-13.51%
Min Revenue beat(4)-23.96%
Max Revenue beat(4)2.73%
Revenue beat(8)1
Avg Revenue beat(8)-13.77%
Revenue beat(12)4
Avg Revenue beat(12)-6.26%
Revenue beat(16)7
Avg Revenue beat(16)-2.27%
PT rev (1m)1.86%
PT rev (3m)10.33%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)1.52%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)5.43%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.57 | ||
| Fwd PE | 11.14 | ||
| P/S | 4.88 | ||
| P/FCF | 72.1 | ||
| P/OCF | 48.83 | ||
| P/B | 1.17 | ||
| P/tB | 1.17 | ||
| EV/EBITDA | N/A |
EPS(TTM)38.2
EY8.64%
EPS(NY)39.68
Fwd EY8.98%
FCF(TTM)6.13
FCFY1.39%
OCF(TTM)9.05
OCFY2.05%
SpS90.5
BVpS378.54
TBVpS378.54
PEG (NY)2.98
PEG (5Y)0.56
Graham Number570.4
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.2% | ||
| ROE | 10.02% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 41.9% | ||
| GM | N/A | ||
| FCFM | 6.77% |
ROA(3y)1.23%
ROA(5y)1.06%
ROE(3y)10.38%
ROE(5y)9.11%
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 3Y2.63%
PM growth 5Y6.5%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.29 | ||
| Debt/FCF | 79.82 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | 3.23% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 16.17% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC6.13%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)1.98%
Cap/Sales(5y)1.32%
Profit Quality(3y)119%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-1.82%
EPS 3Y17.41%
EPS 5Y20.59%
EPS Q2Q%6.18%
EPS Next Y3.88%
EPS Next 2Y8.03%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.04%
Revenue growth 3Y14.4%
Revenue growth 5Y13.03%
Sales Q2Q%29.14%
Revenue Next Year9.18%
Revenue Next 2Y8.31%
Revenue Next 3YN/A
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-84.79%
FCF growth 3Y-52.09%
FCF growth 5Y-40.67%
OCF growth 1Y-78.46%
OCF growth 3Y-45.57%
OCF growth 5Y-35.86%
VEKSELBANKEN / VVL.OL Fundamental Analysis 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 3 / 10 to VEKSELBANKEN (VVL.OL). This can be considered as Overvalued.
What is the profitability of VVL stock?
VEKSELBANKEN (VVL.OL) has a profitability rating of 4 / 10.
Can you provide the PE and PB ratios for VVL stock?
The Price/Earnings (PE) ratio for VEKSELBANKEN (VVL.OL) is 11.57 and the Price/Book (PB) ratio is 1.17.
Can you provide the expected EPS growth for VVL stock?
The Earnings per Share (EPS) of VEKSELBANKEN (VVL.OL) is expected to grow by 3.88% in the next year.