VEKSELBANKEN (VVL.OL) Fundamental Analysis & Valuation

OSL:VVL • NO0003025009

Current stock price

492 NOK
-18 (-3.53%)
Last:

This VVL.OL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. VVL.OL Profitability Analysis

1.1 Basic Checks

  • In the past year VVL was profitable.
  • 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.
VVL.OL Yearly Net Income VS EBIT VS OCF VS FCFVVL.OL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -200M -400M

1.2 Ratios

  • VVL has a better Return On Assets (1.20%) than 75.47% of its industry peers.
  • The Return On Equity of VVL (10.02%) is comparable to the rest of the industry.
Industry RankSector 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
VVL.OL Yearly ROA, ROE, ROICVVL.OL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • VVL has a better Profit Margin (41.90%) than 91.51% of its industry peers.
  • In the last couple of years the Profit Margin of VVL has grown nicely.
  • VVL does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
VVL.OL Yearly Profit, Operating, Gross MarginsVVL.OL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

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2

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.
  • VVL has about the same amout of shares outstanding than it did 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.
VVL.OL Yearly Shares OutstandingVVL.OL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500K 1M 1.5M 2M
VVL.OL Yearly Total Debt VS Total AssetsVVL.OL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

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 has a Debt to FCF ratio of 79.82. This is comparable to the rest of the industry: VVL outperforms 47.17% 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.
  • With a decent Debt to Equity ratio value of 1.29, VVL is doing good in the industry, outperforming 64.15% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.29
Debt/FCF 79.82
Altman-Z N/A
ROIC/WACCN/A
WACC6.26%
VVL.OL Yearly LT Debt VS Equity VS FCFVVL.OL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M 1B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
VVL.OL Yearly Current Assets VS Current LiabilitesVVL.OL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. VVL.OL Growth Analysis

3.1 Past

  • The earnings per share for VVL have decreased by -1.82% in the last year.
  • The Earnings Per Share has been growing by 20.59% on average over the past years. This is a very strong growth
  • VVL shows a small growth in Revenue. In the last year, the Revenue has grown by 3.04%.
  • Measured over the past years, VVL shows a quite strong growth in Revenue. The Revenue has been growing by 13.03% on average per year.
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.
  • The Revenue is expected to grow by 8.31% on average over the next years. This is quite good.
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

  • 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.
VVL.OL Yearly Revenue VS EstimatesVVL.OL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M
VVL.OL Yearly EPS VS EstimatesVVL.OL Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 10 20 30 40

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3

4. VVL.OL Valuation Analysis

4.1 Price/Earnings Ratio

  • VVL is valuated correctly with a Price/Earnings ratio of 12.88.
  • Based on the Price/Earnings ratio, VVL is valued a bit more expensive than the industry average as 74.53% of the companies are valued more cheaply.
  • VVL is valuated cheaply when we compare the Price/Earnings ratio to 27.79, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 12.40, the valuation of VVL can be described as correct.
  • VVL's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. VVL is more expensive than 66.04% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of VVL to the average of the S&P500 Index (38.88), we can say VVL is valued rather cheaply.
Industry RankSector Rank
PE 12.88
Fwd PE 12.4
VVL.OL Price Earnings VS Forward Price EarningsVVL.OL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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 RankSector Rank
P/FCF 80.25
EV/EBITDA N/A
VVL.OL Per share dataVVL.OL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 100 200 300

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)3.32
PEG (5Y)0.63
EPS Next 2Y8.03%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. VVL.OL Dividend Analysis

5.1 Amount

  • VVL has a Yearly Dividend Yield of 3.77%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 4.47, VVL has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.81, VVL pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.77%

5.2 History

Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • 43.19% of the earnings are spent on dividend by VVL. This is a bit on the high side, but may be sustainable.
DP43.19%
EPS Next 2Y8.03%
EPS Next 3YN/A
VVL.OL Yearly Income VS Free CF VS DividendVVL.OL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -200M -400M
VVL.OL Dividend Payout.VVL.OL Dividend Payout, showing the Payout Ratio.VVL.OL Dividend Payout.PayoutRetained Earnings

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VVL.OL Fundamentals: All Metrics, Ratios and Statistics

VEKSELBANKEN

OSL:VVL (4/21/2026, 7:00:00 PM)

492

-18 (-3.53%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-11
Earnings (Next)N/A
Inst Owners7.35%
Inst Owner ChangeN/A
Ins Owners3.87%
Ins Owner ChangeN/A
Market Cap1.09B
Revenue(TTM)200.92M
Net Income(TTM)84.19M
Analysts80
Price Target446.76 (-9.2%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.77%
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)1.86%
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 RankSector Rank
PE 12.88
Fwd PE 12.4
P/S 5.44
P/FCF 80.25
P/OCF 54.35
P/B 1.3
P/tB 1.3
EV/EBITDA N/A
EPS(TTM)38.2
EY7.76%
EPS(NY)39.68
Fwd EY8.07%
FCF(TTM)6.13
FCFY1.25%
OCF(TTM)9.05
OCFY1.84%
SpS90.5
BVpS378.54
TBVpS378.54
PEG (NY)3.32
PEG (5Y)0.63
Graham Number570.396 (15.93%)
Profitability
Industry RankSector 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 RankSector 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
WACC6.26%
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 12.88 and the Price/Book (PB) ratio is 1.3.


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.