VVL Fundamental Analysis - VEKSELBANKEN

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to VVL. VVL was compared to 99 industry peers in the Banks industry. While VVL is still in line with the averages on profitability rating, there are concerns on its financial health. VVL has a correct valuation and a medium growth rate.

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1. Profitability

1.1 Basic Checks

VVL had positive earnings in the past year.

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

In the past 5 years VVL has always been profitable.

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

1.2 Ratios

VVL's Return On Assets of 1.31% is amongst the best of the industry. VVL outperforms 85.86% of its industry peers.

VVL has a Return On Equity of 11.13%. This is comparable to the rest of the industry: VVL outperforms 56.57% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.31%
ROE	11.13%
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 43.45%, VVL belongs to the best of the industry, outperforming 94.95% 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)	43.45%
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

VVL has a debt to FCF ratio of 3.47. This is a good value and a sign of high solvency as VVL would need 3.47 years to pay back of all of its debts.

VVL has a better Debt to FCF ratio (3.47) than 91.92% of its industry peers.

VVL has a Debt/Equity ratio of 1.29. This is a high value indicating a heavy dependency on external financing.

VVL has a Debt to Equity ratio of 1.29. This is in the better half of the industry: VVL outperforms 69.70% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.29
Debt/FCF	3.47
Altman-Z	N/A

ROIC/WACCN/A

WACC5.92%

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

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

VVL shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.52% yearly.

VVL shows a small growth in Revenue. In the last year, the Revenue has grown by 5.15%.

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)3.7%

EPS 3Y24.65%

EPS 5Y10.52%

EPS Q2Q%13.76%

Revenue 1Y (TTM)5.15%

Revenue growth 3Y20.31%

Revenue growth 5Y11.29%

Sales Q2Q%1.6%

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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 9.44, the valuation of VVL can be described as very reasonable.

62.63% of the companies in the same industry are more expensive than VVL, based on the Price/Earnings ratio.

The average S&P500 Price/Earnings ratio is at 27.67. VVL is valued rather cheaply when compared to this.

Based on the Price/Forward Earnings ratio of 9.62, the valuation of VVL can be described as reasonable.

The rest of the industry has a similar Price/Forward Earnings ratio as VVL.

When comparing the Price/Forward Earnings ratio of VVL to the average of the S&P500 Index (23.33), we can say VVL is valued rather cheaply.

		Industry Rank	Sector Rank
PE	9.44
Fwd PE	9.62

4.2 Price Multiples

89.90% of the companies in the same industry are more expensive than VVL, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	2.85
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

VVL has a Yearly Dividend Yield of 4.41%, which is a nice return.

VVL's Dividend Yield is comparable with the industry average which is at 4.86.

VVL's Dividend Yield is rather good when compared to the S&P500 average which is at 2.35.

		Industry Rank	Sector Rank
Dividend Yield	4.41%

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 41.53% of its income as dividend. 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.

DP41.53%

EPS Next 2Y0.23%

EPS Next 3Y3.55%

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VEKSELBANKEN

OSL:VVL (10/23/2025, 7:00:00 PM)

376

-4 (-1.05%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

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

Earnings (Next)N/A N/A

Inst Owners8.11%

Inst Owner ChangeN/A

Ins Owners3.8%

Ins Owner ChangeN/A

Market Cap834.72M

Revenue(TTM)202.18M

Net Income(TTM)87.84M

Analysts80

Price Target404.94 (7.7%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.41%

Yearly Dividend14.16

Dividend Growth(5Y)15.2%

DP41.53%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-7.76%

Min EPS beat(2)-15.22%

Max EPS beat(2)-0.29%

EPS beat(4)1

Avg EPS beat(4)-3.56%

Min EPS beat(4)-19.66%

Max EPS beat(4)20.92%

EPS beat(8)4

Avg EPS beat(8)2.03%

EPS beat(12)6

Avg EPS beat(12)-0.39%

EPS beat(16)8

Avg EPS beat(16)-1.53%

Revenue beat(2)0

Avg Revenue beat(2)-19.68%

Min Revenue beat(2)-23.96%

Max Revenue beat(2)-15.4%

Revenue beat(4)0

Avg Revenue beat(4)-15.99%

Min Revenue beat(4)-23.96%

Max Revenue beat(4)-11.33%

Revenue beat(8)1

Avg Revenue beat(8)-11.08%

Revenue beat(12)5

Avg Revenue beat(12)-2.62%

Revenue beat(16)7

Avg Revenue beat(16)-1.25%

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)-8.79%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-7.89%

Valuation

		Industry Rank	Sector Rank
PE	9.44
Fwd PE	9.62
P/S	4.13
P/FCF	2.85
P/OCF	2.81
P/B	1.06
P/tB	1.06
EV/EBITDA	N/A

EPS(TTM)39.85

EY10.6%

EPS(NY)39.09

Fwd EY10.4%

FCF(TTM)131.71

FCFY35.03%

OCF(TTM)133.99

OCFY35.64%

SpS91.07

BVpS355.64

TBVpS355.64

PEG (NY)N/A

PEG (5Y)0.9

Graham Number564.69

Profitability

		Industry Rank	Sector Rank
ROA	1.31%
ROE	11.13%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	43.45%
GM	N/A
FCFM	144.63%

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	1.29
Debt/FCF	3.47
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	2.5%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	332.88%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC5.92%

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)5.15%

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 1Y196.02%

FCF growth 3YN/A

FCF growth 5Y24.51%

OCF growth 1Y197.61%

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