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Sparebank 1 Sør-norge ASA financial health, profit and balance sheet · Scorvest

Norway

Sparebank 1 Sør-norge ASA

Fiscal year ends in December · Figures in NOK

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In shortSparebank 1 Sør-norge ASA is profitable.

Financial health

Strong

Built from five areas over the last five annual reports. Tap an area to see the figures behind it. Bank or insurer: tests that do not apply to them are left out.

How is this score calculated? →

Profitability79

Operating marginShare of each sale left after running the business, before interest and tax.	–	n/a
Net marginShare of each sale left as profit after every cost, interest and tax.	45.7%	100/100
Return on equityProfit earned on the money shareholders put in. Above 15% is strong.	11.4%	57/100

Weight in the score: 25%

Balance sheet87
Equity / assets 11.0% 87/100
Weight in the score: 25%

Equity / assets	11.0%	87/100

Cash generation–

Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt.	-73.6%	n/a
Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy.	-1.61×	n/a
Years with positive free cash flow (last 5)	1 of 5	n/a

Weight in the score: 20%

Stability91
Profitable years (last 5) 5 of 5 100/100
Years of revenue decline (last 5) 0 of 4 100/100
Revenue growth volatility 10.1% 74/100
Operating margin volatility – n/a
Weight in the score: 20%
Growth69
Revenue growth, 3-year average 16.8% 100/100
EPS growth, 3-year average 2.7% 38/100
Weight in the score: 10%

Profitable years (last 5)	5 of 5	100/100
Years of revenue decline (last 5)	0 of 4	100/100
Revenue growth volatility	10.1%	74/100
Operating margin volatility	–	n/a

Revenue growth, 3-year average	16.8%	100/100
EPS growth, 3-year average	2.7%	38/100

Fiscal year 2024 · change vs prior year

Revenue: kr 10.7B; ▲ 22.8%
Net income: kr 4.9B; ▲ 14.2%
Total assets: kr 479.3B; ▲ 32.3%
Operating margin: –; –
Cash & investments: kr 3.2B; –
Total debt: –; –
Diluted EPS: kr13.08; ▼ 19.6%
Return on equity: 11.4%; –

European data comes from annual reports in ESEF format (since 2020). Industry and ticker are not provided by this source.

Trends

Annual figures as reported. Hover a bar or point for the exact value.

Revenue and net income

RevenueNet income

Margins

Statements

The last 5 fiscal years from the company's annual reports.

NOK millions; negative values in parentheses.

Fiscal year	FY20	FY21	FY22	FY23	FY24
Revenue	6,237	6,744	7,042	8,745	10,739
Interest expense	300	1,817	4,883	12,378	16,298
Pre-tax income	1,821	3,838	4,211	5,677	6,415
Income tax	231	682	834	1,202	1,222
Net income	1,503	3,089	3,293	4,300	4,910
Diluted EPS	kr5.87	kr12.08	kr12.88	kr16.27	kr13.08

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Risk checks

Altman Z'' score

Not computed: the model does not apply to banks and insurers.

Piotroski F-score

Not computed: it needs two consecutive complete years.

Sources

Annual reportPeriod ending Dec 31, 2024Open the report ↗
Annual reportPeriod ending Dec 31, 2023Open the report ↗
Annual reportPeriod ending Dec 31, 2022Open the report ↗
Annual reportPeriod ending Dec 31, 2021Filed Apr 6, 2022Open the report ↗

All figures: filings.xbrl.org (ESEF). Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works

Latest annual report: Dec 31, 2024 · Data updated Dec 31, 2024