K7I Stock Overview

A financial services company, provides banking and financing services in the counties of Vestland and Rogaland, Norway. More details

K7I fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	4/6
Past Performance	5/6
Financial Health	4/6
Dividends	5/6

Rewards

Trading at 7.8% below our estimate of its fair value

Earnings are forecast to grow 26.46% per year

Earnings grew by 30.9% over the past year

Risk Analysis

Unstable dividend track record

Community vs My Fair Value

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Sparebanken Vest Competitors

ProCredit Holding

XTRA:PCZ

€586.6m

Merkur PrivatBank KgaA

XTRA:MBK

€114.3m

Commerzbank

XTRA:CBK

€27.1b

Equity Group Holdings

NASE:EQTY

KSh182.8b

Price History & Performance

Summary of share price highs, lows and changes for Sparebanken Vest
Historical stock prices
Current Share Price	NOK 12.18
52 Week High	NOK 12.51
52 Week Low	NOK 9.78
Beta	0.78
1 Month Change	1.15%
3 Month Change	4.96%
1 Year Change	16.51%
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	32.88%

Recent updates

Shareholder Returns

	K7I	DE Banks	DE Market
7D	5.7%	-1.8%	-1.6%
1Y	16.5%	34.4%	13.8%

Return vs Industry: K7I underperformed the German Banks industry which returned 34.4% over the past year.

Return vs Market: K7I exceeded the German Market which returned 13.8% over the past year.

Price Volatility

Is K7I's price volatile compared to industry and market?
K7I volatility
K7I Average Weekly Movement	3.0%
Banks Industry Average Movement	3.4%
Market Average Movement	5.3%
10% most volatile stocks in DE Market	12.0%
10% least volatile stocks in DE Market	2.7%

Stable Share Price: K7I has not had significant price volatility in the past 3 months compared to the German market.

Volatility Over Time: K7I's weekly volatility (3%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1823	824	Jan Kjerpeseth	www.spv.no

Sparebanken Vest, a financial services company, provides banking and financing services in the counties of Vestland and Rogaland, Norway. The company operates through Corporate Market, Retail Market, Bulder Bank, Treasury, and Estate Agency Activities segments. It is also involved in home mortgage activities.

Sparebanken Vest Fundamentals Summary

How do Sparebanken Vest's earnings and revenue compare to its market cap?
K7I fundamental statistics
Market cap	€1.35b
Earnings (TTM)	€157.88m
Revenue (TTM)	€650.28m

8.5x

P/E Ratio

0.6x

P/B Ratio

Is K7I overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
K7I income statement (TTM)
Revenue	NOK 7.53b
Cost of Revenue	NOK 0
Gross Profit	NOK 7.53b
Other Expenses	NOK 5.70b
Earnings	NOK 1.83b

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

Mar 28, 2025

Earnings per share (EPS)	16.67
Gross Margin	100.00%
Net Profit Margin	24.28%
Debt/Equity Ratio	662.3%

How did K7I perform over the long term?

See historical performance and comparison

Dividends

6.0%

Current Dividend Yield

51%

Payout Ratio

Does K7I pay a reliable dividends?

See K7I dividend history and benchmarks

When do you need to buy K7I by to receive an upcoming dividend?
Sparebanken Vest dividend dates
Ex Dividend Date	Mar 28 2025
Dividend Pay Date	Apr 07 2025
Days until Ex dividend	14 days
Days until Dividend pay date	24 days

Does K7I pay a reliable dividends?

See K7I dividend history and benchmarks

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/03/13 16:04
End of Day Share Price	2025/03/12 00:00
Earnings	2024/12/31
Annual Earnings	2024/12/31

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.

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 Github.

Analyst Sources

Sparebanken Vest is covered by 9 analysts. 5 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
null null	ABG Sundal Collier
Fridtjof Berents	Arctic Securities ASA
Geir Kristiansen	Beringer Finance AB