VEKSELBANKEN (VVL.OL) Fundamental Analysis & Valuation

OSL:VVL • NO0003025009

Current stock price

430 NOK
0 (0%)
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

  • The Return On Assets of VVL (1.20%) is better than 78.18% of its industry peers.
  • Looking at the Return On Equity, with a value of 10.02%, VVL is in line with its industry, outperforming 48.18% of the companies in the same 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

  • The Profit Margin of VVL (41.90%) is better than 90.00% 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.
  • Compared to 5 years ago, VVL has about the same amount of shares outstanding.
  • VVL has a better debt/assets ratio than last year.
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

  • VVL has a debt to FCF ratio of 79.82. This is a negative value and a sign of low solvency as VVL would need 79.82 years to pay back of 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 49.09% 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.
  • VVL's Debt to Equity ratio of 1.29 is in line compared to the rest of the industry. VVL outperforms 58.18% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.29
Debt/FCF 79.82
Altman-Z N/A
ROIC/WACCN/A
WACC6.1%
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.
  • 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.
  • 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

  • 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.
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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4

4. VVL.OL Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 11.26 indicates a reasonable valuation of VVL.
  • 62.73% of the companies in the same industry are cheaper than VVL, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 25.50, VVL is valued rather cheaply.
  • The Price/Forward Earnings ratio is 10.84, which indicates a very decent valuation of VVL.
  • VVL's Price/Forward Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.67, VVL is valued rather cheaply.
Industry RankSector Rank
PE 11.26
Fwd PE 10.84
VVL.OL Price Earnings VS Forward Price EarningsVVL.OL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • VVL's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 70.14
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)2.9
PEG (5Y)0.55
EPS Next 2Y8.03%
EPS Next 3YN/A

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

5

5. VVL.OL Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.13%, VVL is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 4.75, VVL has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.89, VVL pays a better dividend.
Industry RankSector 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 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 (3/24/2026, 7:00:00 PM)

430

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-11
Earnings (Next)N/A
Inst Owners8.11%
Inst Owner ChangeN/A
Ins Owners3.8%
Ins Owner ChangeN/A
Market Cap954.60M
Revenue(TTM)200.92M
Net Income(TTM)84.19M
Analysts80
Price Target438.6 (2%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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)0%
PT rev (3m)8.31%
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 11.26
Fwd PE 10.84
P/S 4.75
P/FCF 70.14
P/OCF 47.5
P/B 1.14
P/tB 1.14
EV/EBITDA N/A
EPS(TTM)38.2
EY8.88%
EPS(NY)39.68
Fwd EY9.23%
FCF(TTM)6.13
FCFY1.43%
OCF(TTM)9.05
OCFY2.11%
SpS90.5
BVpS378.54
TBVpS378.54
PEG (NY)2.9
PEG (5Y)0.55
Graham Number570.4
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
WACC6.1%
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 4 / 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 2 / 10.


What is the earnings growth outlook for VEKSELBANKEN?

The Earnings per Share (EPS) of VEKSELBANKEN (VVL.OL) is expected to grow by 3.88% in the next year.