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XOSL
MING
Market cap2.44bUSD
Apr 22, Last price  
176.56NOK
1D
0.52%
1Q
-1.91%
Jan 2017
172.68%
Name

Sparebank 1 SMN

Chart & Performance

D1W1MN
P/E
5.68
P/S
3.24
EPS
31.10
Div Yield, %
6.80%
Shrs. gr., 5y
2.17%
Rev. gr., 5y
8.35%
Revenues
7.87b
+9.02%
1,668,000,0001,834,000,0001,908,000,0001,776,000,0002,328,000,0002,305,000,0002,499,000,0002,821,000,0003,230,000,0003,327,000,0003,406,000,0004,079,000,0004,552,000,0004,832,000,0005,269,000,0005,602,000,0005,949,000,0005,320,000,0007,218,000,0007,869,000,000
Net income
4.49b
+24.10%
717,000,000897,000,000843,000,000616,000,000931,000,0001,017,000,0001,016,000,0001,068,000,0001,390,000,0001,772,000,0001,410,000,0001,640,000,0001,796,000,0002,056,000,0002,507,000,0001,852,000,0002,742,000,0002,655,000,0003,614,000,0004,485,000,000
CFO
877m
-79.80%
-1,755,000,000-4,828,000,000400,000,000-2,744,000,0003,214,000,000-2,120,000,000699,000,000-2,760,000,000-4,018,000,0001,660,000,000-2,349,000,000-3,418,000,000-1,629,000,000-3,778,000,0004,280,000,0002,896,000,000-1,825,000,000-8,658,000,0004,342,000,000877,000,000
Dividend
Mar 22, 202412 NOK/sh

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
2024‑122023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
7,869,000
9.02%
7,218,000
35.68%
5,320,000
-10.57%
Cost of revenue
104,000
93,000
86,000
Unusual Expense (Income)
NOPBT
7,765,000
7,125,000
5,234,000
NOPBT Margin
98.68%
98.71%
98.38%
Operating Taxes
1,054,000
904,000
718,000
Tax Rate
13.57%
12.69%
13.72%
NOPAT
6,711,000
6,221,000
4,516,000
Net income
4,485,000
24.10%
3,614,000
36.12%
2,655,000
-3.17%
Dividends
(1,730,000)
(840,000)
(970,000)
Dividend yield
7.00%
4.29%
5.89%
Proceeds from repurchase of equity
1,000
72,000
(21,000)
BB yield
0.00%
-0.37%
0.13%
Debt
Debt current
20,088,000
Long-term debt
49,088,000
50,427,000
Deferred revenue
(127,000)
Other long-term liabilities
(4,251,000)
(50,028,000)
Net debt
(64,835,000)
(2,738,000)
3,889,000
Cash flow
Cash from operating activities
877,000
4,342,000
(8,658,000)
CAPEX
(95,000)
(89,000)
Cash from investing activities
(432,000)
1,145,000
33,000
Cash from financing activities
(962,000)
(5,486,000)
8,544,000
FCF
6,490,000
25,527,000
2,148,000
Balance
Cash
9,820,000
1,172,000
12,834,000
Long term investments
55,015,000
50,654,000
53,792,000
Excess cash
64,441,550
51,465,100
66,360,000
Stockholders' equity
3,705,000
26,186,000
22,356,000
Invested Capital
243,994,000
206,531,000
220,083,000
ROIC
2.98%
2.92%
2.18%
ROCE
3.13%
3.06%
2.16%
EV
Common stock shares outstanding
144,188
138,106
129,316
Price
171.32
20.82%
141.80
11.30%
127.40
-14.50%
Market cap
24,702,216
26.14%
19,583,478
18.87%
16,474,875
-14.51%
EV
(39,311,784)
17,511,478
21,360,875
EBITDA
7,765,000
7,278,000
5,351,000
EV/EBITDA
2.41
3.99
Interest
8,187,000
6,631,000
2,588,000
Interest/NOPBT
105.43%
93.07%
49.45%