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XOSLSOAG
Market cap400mUSD
Dec 20, Last price  
375.00NOK
1D
-0.53%
1Q
4.46%
Jan 2017
125.90%
IPO
187.81%
Name

Sparebank 1 Ostfold Akershus

Chart & Performance

D1W1MN
XOSL:SOAG chart
P/E
9.42
P/S
2.65
EPS
39.80
Div Yield, %
5.08%
Shrs. gr., 5y
—
Rev. gr., 5y
20.08%
Revenues
1.75b
+85.20%
291,488,000344,355,000399,556,000393,856,000512,983,000550,625,000596,165,000570,430,000666,611,000640,643,000701,881,000722,174,000751,000,000813,000,000946,000,0001,752,000,000
Net income
493m
+9.07%
37,915,00062,132,000104,681,000108,147,000136,869,000171,584,000219,850,000220,989,000332,040,000320,854,000358,217,000403,554,000369,000,000443,000,000452,000,000493,000,000
CFO
343m
+8.89%
-445,742,000131,284,000356,380,000764,030,000607,415,000157,821,000794,806,000-476,821,000186,712,000-347,696,000-323,135,000738,874,000804,000,000744,000,000315,000,000343,000,000
Dividend
Mar 22, 202421.5 NOK/sh
Earnings
Feb 07, 2025

Profile

SpareBank 1 Østfold Akershus, a savings bank, provides various banking products and services in Østfold and the southern part of Akershus. The company offers savings, operating, tax deduction, deposit, placement, and currency accounts; and savings and investment products. It also provides consumer, construction, repayment, boat, motorcycle, and car loans; operating credit products; bank guarantees; liquidity loans with government guarantees; operating credit for agriculture; mortgage products; leasing and factoring services; and refinancing services. In addition, the company offers various insurance products, such as vehicle, house and travel, personal, animal, liability, work machine, interruption, condominium, cyber, truck, movable property, commercial building, project, transport, crime, bus, group life, health, leisure accident, occupational injury, accident insurance children, and sick pay insurance products; and pension products. Further, it provides credit, municipal payment, and other bank cards; payment terminal, debt collection, and document collection services; bonds, forwards, and currency options; accounting approved, invoice automatic, eGiro/Cremul, KID invoice, and OCR and eGiro payment services; and mobile and online banking services. The company was founded in 1835 and is headquartered in Moss, Norway.
URL
https://www.sparebank1.no/ostfold-akershus/privat.html
IPO date
Nov 01, 2005
Employees
222
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
1,752,000
85.20%
946,000
16.36%
813,000
8.26%
Cost of revenue
23,000
23,000
23,000
Unusual Expense (Income)
NOPBT
1,729,000
923,000
790,000
NOPBT Margin
98.69%
97.57%
97.17%
Operating Taxes
142,000
115,000
106,000
Tax Rate
8.21%
12.46%
13.42%
NOPAT
1,587,000
808,000
684,000
Net income
493,000
9.07%
452,000
2.03%
443,000
20.05%
Dividends
(236,000)
(214,000)
(93,000)
Dividend yield
5.47%
2.16%
Proceeds from repurchase of equity
BB yield
Debt
Debt current
865,000
642,000
Long-term debt
104,000
3,885,000
4,280,000
Deferred revenue
(4,000)
4,261,000
Other long-term liabilities
23,454,000
(3,807,000)
(4,262,000)
Net debt
(1,912,000)
1,124,000
1,239,000
Cash flow
Cash from operating activities
343,000
315,000
744,000
CAPEX
(15,000)
(21,000)
Cash from investing activities
(1,187,000)
75,000
(114,000)
Cash from financing activities
(65,000)
(597,000)
(906,000)
FCF
2,239,000
590,000
954,000
Balance
Cash
1,438,000
93,000
94,000
Long term investments
578,000
3,533,000
3,589,000
Excess cash
1,928,400
3,578,700
3,642,350
Stockholders' equity
4,122,000
3,903,000
3,680,000
Invested Capital
26,096,600
23,772,300
23,176,650
ROIC
6.36%
3.44%
2.95%
ROCE
6.17%
3.37%
2.95%
EV
Common stock shares outstanding
12,389
12,387
12,386
Price
316.00
-9.20%
348.00
31.82%
Market cap
3,914,387
-9.19%
4,310,311
31.80%
EV
5,038,387
5,549,311
EBITDA
1,755,000
945,000
810,000
EV/EBITDA
5.33
6.85
Interest
615,000
236,000
135,000
Interest/NOPBT
35.57%
25.57%
17.09%