SPAREBANKEN SOR NOK50 GRUNNFONDSBEVISSS

SPAREBANKEN SOR NOK50 GRUNNFONDSBEVIS

189.50NOKD
0.000.00%
At close at Dec 14, 23:10 UTC
NOK
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0FN3 fundamentals

Key facts

Market capitalization‪7.97 B‬NOK
Founded1984
CEOGeir Bergskaug
Websitesor.no
About

Sparebanken Sør AS engages in banking activities and real estate brokerage business. It operates through the Retail Market and Corporate Market segments. The Retail Market segment include Sparebanken Sør Boligkreditt AS. Its products includes insurance, mortgage, car loans, savings, cards and payments, and stocks and currency services. The company was founded on January 1, 2014 and is headquartered in Kristiansand, Norway.

Ownership
‪‪41.68 M‬‬
Free Float shares
‪‪26.90 M‬‬ (64.53%)
Closely held shares
‪‪14.79 M‬‬ (35.47%)
Free Float shares
‪‪26.90 M‬‬ (64.53%)
Closely held shares
‪‪14.79 M‬‬ (35.47%)
Capital structure
Market cap
‪‪7.97 B‬‬
Debt
‪‪79.25 B‬‬
Minority interest
‪‪6.00 M‬‬
Cash & equivalents
‪‪340.00 M‬‬
Enterprise value
‪‪86.88 B‬‬

Valuation

Fundamental metrics to determine fair value of the stock

Summary
‪‪7.97 B‬‬
Price to earning ratio (P/E)
10.33x
Price to sales ratio (P/S)
0.62x
Market Cap
Net income
Revenue
Price to earning ratio (P/E)
10.33x
Price to sales ratio (P/S)
0.62x
Valuation ratios
‪0.00‬
‪0.17‬
‪0.34‬
‪0.51‬
‪0.68‬
Q3 '23
Q4 '23
Q1 '24
Q2 '24
Q3 '24
‪0.00‬
‪2.50‬
‪5.00‬
‪7.50‬
‪10.00‬
P/E
P/S

Growth and Profitability

Company’s recent performance and margins

Performance
‪3.0%‬
‪4.5%‬
‪6.0%‬
‪7.5%‬
‪9.0%‬
Q3 '23
Q4 '23
Q1 '24
Q2 '24
Q3 '24
‪0.00‬
‪‪1.30 B‬‬
‪‪2.60 B‬‬
‪‪3.90 B‬‬
‪‪5.20 B‬‬
Total revenue
Net income
Net margin %
Revenue to profit conversion
Total revenue
Int. expense & PCL
Non-int. expense
Op income
Unusual income/ expense
Pretax income
Taxes & Other
Net income
‪0.00‬
‪‪700.00 M‬‬
‪‪1.40 B‬‬
‪‪2.10 B‬‬
‪‪2.80 B‬‬
Total revenue
Int. & Non-int. expenses
Op income
Expenses & adjustments
Net income
‪0.00‬
‪‪700.00 M‬‬
‪‪1.40 B‬‬
‪‪2.10 B‬‬
‪‪2.80 B‬‬

Revenue breakdown

Revenue streams and regions a business earns money from

By source/business
Period: 2023
People Market
Business Market
Undistributed and Elimination
Real Estate
By country
Period: 2023
Norway

Estimates

Revenue and Earnings forecasts and estimates accuracy

Revenue
Q4 '23
Q1 '24
Q2 '24
Q3 '24
Q4 '24
‪0.00‬
‪‪260.00 M‬‬
‪‪520.00 M‬‬
‪‪780.00 M‬‬
‪‪1.04 B‬‬
Actual
Estimate
Earnings
Next:Feb 06
Q4 '23
Q1 '24
Q2 '24
Q3 '24
Q4 '24
‪0.00‬
‪1.50‬
‪3.00‬
‪4.50‬
‪6.00‬
Actual
Estimate

Dividends

Dividend yield, history and sustainability

Dividend summary
54.50%
Earnings retained
Payout ratio (TTM)
Dividend yield TTM
5.21%
Last payment
10.00
Last ex-date
Mar 22, 2024
Dividend history
‪0.0%‬
‪3.5%‬
‪7.0%‬
‪10.5%‬
‪14.0%‬
2019
2020
2021
2022
2023
‪0.00‬
‪4.00‬
‪8.00‬
‪12.00‬
‪16.00‬
Dividends per share (FY)
Dividend yield (FY) %

Financial health

Financial position and solvency of the company

Loans and customer deposits
Q3 '23
Q4 '23
Q1 '24
Q2 '24
Q3 '24
‪‪−50.00 B‬‬
‪0.00‬
‪‪50.00 B‬‬
‪‪100.00 B‬‬
‪‪150.00 B‬‬
Net loans
Total deposits
Loan loss allowances
Capital adequacy analysis
Q3 '23
Q4 '23
Q1 '24
Q2 '24
Q3 '24
‪0.00‬
‪6.00‬
‪12.00‬
‪18.00‬
‪24.00‬
Common equity Tier 1 ratio
Tier 1 capital ratio
Total capital ratio