Sparebanken Sør

LSE:0FN3 Stock Report

Market Cap: NOK 8.0b

Sparebanken Sør Past Earnings Performance

Past criteria checks 2/6

Sparebanken Sør has been growing earnings at an average annual rate of 37.3%, while the Banks industry saw earnings growing at 24% annually. Revenues have been growing at an average rate of 11% per year. Sparebanken Sør's return on equity is 11.2%, and it has net margins of 19.9%.

Key information

37.3%

Earnings growth rate

10.8%

EPS growth rate

Banks Industry Growth21.2%
Revenue growth rate11.0%
Return on equity11.2%
Net Margin19.9%
Next Earnings Update07 Feb 2025

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Sparebanken Sør makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

LSE:0FN3 Revenue, expenses and earnings (NOK Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 243,8327647720
30 Jun 243,7597557560
31 Mar 243,6407257400
31 Dec 233,5266847280
30 Sep 233,4907087040
30 Jun 233,2176336850
31 Mar 232,9825726670
31 Dec 222,7644966420
30 Sep 222,5773626320
30 Jun 222,6043096160
31 Mar 222,6102546060
31 Dec 212,5811916000
30 Sep 212,5771935540
30 Jun 212,5351945580
31 Mar 212,5001915500
31 Dec 202,3721775500
30 Sep 202,3151615400
30 Jun 202,3631685350
31 Mar 202,3311715300
31 Dec 192,4141835300
30 Sep 192,3121705450
30 Jun 192,1481525270
31 Mar 192,1351565150
31 Dec 182,1231584990
30 Sep 182,2121805300
30 Jun 182,2371875250
31 Mar 182,1541785180
31 Dec 172,0991755060
30 Sep 172,0001734980
30 Jun 172,0391844950
31 Mar 172,1161894950
31 Dec 162,0411674960
30 Sep 161,970-2715160
30 Jun 161,764-2175260
31 Mar 161,655-845270
31 Dec 151,708845320
30 Sep 151,766-1295330
30 Jun 151,723-1505230
31 Mar 151,714-1605210
31 Dec 141,779975210
30 Sep 141,4577934030
30 Jun 141,3247823310
31 Mar 141,0596922660
31 Dec 136843021690

Quality Earnings: 0FN3 has high quality earnings.

Growing Profit Margin: 0FN3's current net profit margins (19.9%) are lower than last year (20.3%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: 0FN3's earnings have grown significantly by 37.3% per year over the past 5 years.

Accelerating Growth: 0FN3's earnings growth over the past year (7.9%) is below its 5-year average (37.3% per year).

Earnings vs Industry: 0FN3 earnings growth over the past year (7.9%) did not outperform the Banks industry 10.1%.

Return on Equity

High ROE: 0FN3's Return on Equity (11.2%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/26 23:11
End of Day Share Price 2024/12/12 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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

Sparebanken Sør is covered by 8 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Geir KristiansenBeringer Finance AB
Håkon AstrupDNB Markets
Ulrik ZürcherNordea Markets