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XOSLMING
Market cap2.09bUSD
Dec 20, Last price  
168.40NOK
1D
-0.59%
1Q
10.40%
Jan 2017
160.08%
Name

Sparebank 1 SMN

Chart & Performance

D1W1MN
XOSL:MING chart
P/E
6.72
P/S
3.36
EPS
25.06
Div Yield, %
3.46%
Shrs. gr., 5y
1.31%
Rev. gr., 5y
8.36%
Revenues
7.22b
+35.68%
1,362,000,0001,668,000,0001,834,000,0001,908,000,0001,776,000,0002,328,000,0002,305,000,0002,499,000,0002,821,000,0003,230,000,0003,327,000,0003,406,000,0004,079,000,0004,552,000,0004,832,000,0005,269,000,0005,602,000,0005,949,000,0005,320,000,0007,218,000,000
Net income
3.61b
+36.12%
455,000,000717,000,000897,000,000843,000,000616,000,000931,000,0001,017,000,0001,016,000,0001,068,000,0001,390,000,0001,772,000,0001,410,000,0001,640,000,0001,796,000,0002,056,000,0002,507,000,0001,852,000,0002,742,000,0002,655,000,0003,614,000,000
CFO
4.34b
P
-983,000,000-1,755,000,000-4,828,000,000400,000,000-2,744,000,0003,214,000,000-2,120,000,000699,000,000-2,760,000,000-4,018,000,0001,660,000,000-2,349,000,000-3,418,000,000-1,629,000,000-3,778,000,0004,280,000,0002,896,000,000-1,825,000,000-8,658,000,0004,342,000,000
Dividend
Mar 22, 202412 NOK/sh
Earnings
Mar 21, 2025

Profile

SpareBank 1 SMN, together with its subsidiaries, provides various banking, accounting, and real estate products and services to private individuals and companies in Norway and internationally. The company offers mortgage, green, car, boat, other vehicles, and consumer loans, as well as refinancing, as well as savings accounts. It also provides BSU house savings for young people, BSU, and mikrosparing, as well as fixed rate and green deposits, and placement accounts; savings funds; investment solutions, such as share savings accounts, stock trading, and private banking services; and individual pension savings, and pension savings accounts. In addition, the company offers vehicle, housing and travel, person, animal, and valuables insurance services; property buying and selling advisory services; and mobile and online banking, and various debit and credit cards. Further, it offers loans and finances, including bank guarantees, corporate and construction loans, operating credit for agriculture, factoring, invoice sales, leasing, and liquidity loans with government guarantees; various pension products; and business and personal insurance products. Additionally, the company provides services, including accounting and payroll, HR, taxes and duties, and change of ownership, as well as IT solutions. It offers real estate agency, advisory, and external and equity financing services. SpareBank 1 SMN was founded in 1823 and is headquartered in Trondheim, Norway.
URL
https://www.sparebank1.no/nb/smn/privat.html
IPO date
May 02, 1994
Employees
1,497
Domiciled in
NO
Incorporated in
NO

Valuation

Title
NOK in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFYFY
2023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑122014‑12
Income
Revenues
7,218,000
35.68%
5,320,000
-10.57%
5,949,000
6.19%
Cost of revenue
93,000
86,000
77,000
Unusual Expense (Income)
NOPBT
7,125,000
5,234,000
5,872,000
NOPBT Margin
98.71%
98.38%
98.71%
Operating Taxes
904,000
718,000
609,000
Tax Rate
12.69%
13.72%
10.37%
NOPAT
6,221,000
4,516,000
5,263,000
Net income
3,614,000
36.12%
2,655,000
-3.17%
2,742,000
48.06%
Dividends
(840,000)
(970,000)
(569,000)
Dividend yield
4.29%
5.89%
2.95%
Proceeds from repurchase of equity
72,000
(21,000)
2,360,000
BB yield
-0.37%
0.13%
-12.25%
Debt
Debt current
20,088,000
17,517,000
Long-term debt
49,088,000
50,427,000
43,456,000
Deferred revenue
(127,000)
42,983,000
Other long-term liabilities
(4,251,000)
(50,028,000)
(43,039,000)
Net debt
(2,738,000)
3,889,000
15,697,000
Cash flow
Cash from operating activities
4,342,000
(8,658,000)
(1,825,000)
CAPEX
(95,000)
(89,000)
(145,000)
Cash from investing activities
1,145,000
33,000
526,000
Cash from financing activities
(5,486,000)
8,544,000
(212,000)
FCF
25,527,000
2,148,000
6,430,000
Balance
Cash
1,172,000
12,834,000
1,252,000
Long term investments
50,654,000
53,792,000
44,024,000
Excess cash
51,465,100
66,360,000
44,978,550
Stockholders' equity
26,186,000
22,356,000
21,062,000
Invested Capital
206,531,000
220,083,000
194,499,000
ROIC
2.92%
2.18%
2.76%
ROCE
3.06%
2.16%
2.72%
EV
Common stock shares outstanding
138,106
129,316
129,340
Price
141.80
11.30%
127.40
-14.50%
149.00
52.66%
Market cap
19,583,478
18.87%
16,474,875
-14.51%
19,271,610
52.64%
EV
17,511,478
21,360,875
35,957,610
EBITDA
7,278,000
5,351,000
6,058,000
EV/EBITDA
2.41
3.99
5.94
Interest
6,631,000
2,588,000
1,120,000
Interest/NOPBT
93.07%
49.45%
19.07%