VEKSELBANKEN(OSL:VVL) stock Fundamental Analysis

Fundamental Rating

Overall VVL gets a fundamental rating of 4 out of 10. We evaluated VVL against 99 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. VVL also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year VVL was profitable.

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

VVL's Return On Assets of 1.32% is amongst the best of the industry. VVL outperforms 82.80% of its industry peers.

VVL has a Return On Equity (11.06%) which is in line with its industry peers.

		Industry Rank	Sector Rank
ROA	1.32%
ROE	11.06%
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

Looking at the Profit Margin, with a value of 43.97%, VVL belongs to the top of the industry, outperforming 95.70% 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.

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)	43.97%
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.

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

Compared to 1 year ago, VVL has an improved debt to assets ratio.

2.2 Solvency

VVL has a debt to FCF ratio of 11.37. This is a negative value and a sign of low solvency as VVL would need 11.37 years to pay back of all of its debts.

VVL has a Debt to FCF ratio of 11.37. This is amongst the best in the industry. VVL outperforms 84.95% of its industry peers.

VVL has a Debt/Equity ratio of 1.31. This is a high value indicating a heavy dependency on external financing.

With a decent Debt to Equity ratio value of 1.31, VVL is doing good in the industry, outperforming 69.89% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	1.31
Debt/FCF	11.37
Altman-Z	N/A

ROIC/WACCN/A

WACC5.76%

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 strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.75%, which is quite good.

The Earnings Per Share has been growing by 10.71% on average over the past years. This is quite good.

The Revenue has grown by 8.94% in the past year. This is quite good.

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

EPS 1Y (TTM)17.75%

EPS 3Y25.83%

EPS 5Y10.71%

EPS Q2Q%-18.17%

Revenue 1Y (TTM)8.94%

Revenue growth 3Y20.31%

Revenue growth 5Y11.29%

Sales Q2Q%45.52%

3.2 Future

Based on estimates for the next years, VVL will show a small growth in Earnings Per Share. The EPS will grow by 1.06% on average per year.

Based on estimates for the next years, VVL will show a small growth in Revenue. The Revenue will grow by 2.32% on average per year.

EPS Next Y-4.67%

EPS Next 2Y1.06%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year3.99%

Revenue Next 2Y2.32%

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.

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

VVL is valuated reasonably with a Price/Earnings ratio of 8.53.

Compared to the rest of the industry, the Price/Earnings ratio of VVL indicates a somewhat cheap valuation: VVL is cheaper than 60.22% of the companies listed in the same industry.

VVL's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 29.35.

VVL is valuated reasonably with a Price/Forward Earnings ratio of 8.14.

Compared to the rest of the industry, the Price/Forward Earnings ratio of VVL indicates a rather cheap valuation: VVL is cheaper than 80.65% of the companies listed in the same industry.

When comparing the Price/Forward Earnings ratio of VVL to the average of the S&P500 Index (22.10), we can say VVL is valued rather cheaply.

		Industry Rank	Sector Rank
PE	8.53
Fwd PE	8.14

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, VVL is valued a bit cheaper than 79.57% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	8.26
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.8

EPS Next 2Y1.06%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

VVL has a Yearly Dividend Yield of 4.88%, which is a nice return.

VVL's Dividend Yield is comparable with the industry average which is at 5.06.

VVL's Dividend Yield is rather good when compared to the S&P500 average which is at 2.33.

		Industry Rank	Sector Rank
Dividend Yield	4.88%

5.2 History

On average, the dividend of VVL grows each year by 15.11%, which is quite nice.

Dividend Growth(5Y)15.11%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

VVL pays out 36.24% of its income as dividend. This is a sustainable payout ratio.

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

DP36.24%

EPS Next 2Y1.06%

EPS Next 3YN/A

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VEKSELBANKEN

OSL:VVL (3/7/2025, 7:00:00 PM)

332

-6 (-1.78%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)10-30 2024-10-30/bmo

Earnings (Next)N/A N/A

Inst Owners10.67%

Inst Owner ChangeN/A

Ins Owners4.74%

Ins Owner ChangeN/A

Market Cap737.04M

Analysts80

Price Target361.08 (8.76%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.88%

Yearly Dividend14.1

Dividend Growth(5Y)15.11%

DP36.24%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)1

Avg Revenue beat(2)4.72%

Min Revenue beat(2)-13.25%

Max Revenue beat(2)22.69%

Revenue beat(4)1

Avg Revenue beat(4)-5.52%

Min Revenue beat(4)-16.9%

Max Revenue beat(4)22.69%

Revenue beat(8)4

Avg Revenue beat(8)1.63%

Revenue beat(12)7

Avg Revenue beat(12)4.32%

Revenue beat(16)10

Avg Revenue beat(16)4.35%

PT rev (1m)16.45%

PT rev (3m)16.45%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)3.01%

EPS NY rev (3m)3.01%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)3.34%

Revenue NY rev (3m)3.34%

Valuation

		Industry Rank	Sector Rank
PE	8.53
Fwd PE	8.14
P/S	3.78
P/FCF	8.26
P/OCF	7.97
P/B	0.95
P/tB	0.95
EV/EBITDA	N/A

EPS(TTM)38.91

EY11.72%

EPS(NY)40.78

Fwd EY12.28%

FCF(TTM)40.18

FCFY12.1%

OCF(TTM)41.65

OCFY12.55%

SpS87.84

BVpS349.39

TBVpS349.39

PEG (NY)N/A

PEG (5Y)0.8

Profitability

		Industry Rank	Sector Rank
ROA	1.32%
ROE	11.06%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	43.97%
GM	N/A
FCFM	45.75%

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-Score8

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	1.31
Debt/FCF	11.37
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	1.67%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	104.04%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACC5.76%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)1.02%

Cap/Sales(5y)0.63%

Profit Quality(3y)192.83%

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)17.75%

EPS 3Y25.83%

EPS 5Y10.71%

EPS Q2Q%-18.17%

EPS Next Y-4.67%

EPS Next 2Y1.06%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)8.94%

Revenue growth 3Y20.31%

Revenue growth 5Y11.29%

Sales Q2Q%45.52%

Revenue Next Year3.99%

Revenue Next 2Y2.32%

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-48.19%

FCF growth 3YN/A

FCF growth 5Y24.44%

OCF growth 1Y-46.71%

OCF growth 3YN/A

OCF growth 5Y23.33%

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