Y6M Stock Overview

Provides various banking products and services in Norway. More details

Y6M fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	3/6
Past Performance	4/6
Financial Health	4/6
Dividends	5/6

Rewards

Trading at 79.2% below our estimate of its fair value

Earnings are forecast to grow 23.65% per year

Earnings grew by 22.5% over the past year

Risk Analysis

Does not have a meaningful market cap (€163M)

Unstable dividend track record

My Notes

Capture your thoughts, links and company narrative

Sogn Sparebank Competitors

Merkur PrivatBank KgaA

XTRA:MBK

€115.1m

Livingtrust Mortgage Bank

NGSE:LIVINGTRUST

₦24.1b

Slatinska Banka d.d

ZGSE:SNBA

€12.1m

HF Group

NASE:HFCK

KSh2.2b

Price History & Performance

Summary of share price highs, lows and changes for Sogn Sparebank
Historical stock prices
Current Share Price	NOK 22.05
52 Week High	NOK 22.77
52 Week Low	NOK 13.71
Beta	0.23
1 Month Change	8.81%
3 Month Change	19.32%
1 Year Change	57.49%
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	56.59%

Recent updates

Shareholder Returns

	Y6M	DE Banks	DE Market
7D	9.6%	2.4%	1.2%
1Y	57.5%	24.0%	10.1%

Return vs Industry: Y6M exceeded the German Banks industry which returned 24% over the past year.

Return vs Market: Y6M exceeded the German Market which returned 10.1% over the past year.

Price Volatility

Is Y6M's price volatile compared to industry and market?
Y6M volatility
Y6M Average Weekly Movement	5.1%
Banks Industry Average Movement	3.2%
Market Average Movement	4.8%
10% most volatile stocks in DE Market	11.5%
10% least volatile stocks in DE Market	2.4%

Stable Share Price: Y6M has not had significant price volatility in the past 3 months compared to the German market.

Volatility Over Time: Y6M's weekly volatility (5%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1846	42	Mads Indrehus	sognbank.no

Sogn Sparebank provides various banking products and services in Norway. The company offers saving and pension accounts; home loans and small loans, as well as loans for cars and other vehicles; credit and other cards; and mobile and online banking services, as well as payment services. It also provides bank guarantees, construction loans, overdraft, and business loans, as well as leasing and refinancing without collateral.

Sogn Sparebank Fundamentals Summary

How do Sogn Sparebank's earnings and revenue compare to its market cap?
Y6M fundamental statistics
Market cap	€13.85m
Earnings (TTM)	€1.16m
Revenue (TTM)	€20.36m

12.0x

P/E Ratio

0.1x

P/B Ratio

Is Y6M overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
Y6M income statement (TTM)
Revenue	NOK 239.34m
Cost of Revenue	NOK 0
Gross Profit	NOK 239.34m
Other Expenses	NOK 225.75m
Earnings	NOK 13.59m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	21.95
Gross Margin	100.00%
Net Profit Margin	5.68%
Debt/Equity Ratio	76.4%

How did Y6M perform over the long term?

See historical performance and comparison

Dividends

5.7%

Current Dividend Yield

71%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/01/10 00:27
End of Day Share Price	2025/01/10 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Sogn Sparebank is covered by 2 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Žilvinas Jusaitis	Norne Securities AS
Vegard Toverud	Pareto Securities