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Norway
In shortSparebank 1 Smn 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.
| 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. | 50.3% | 100/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | 15.5% | 78/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | 9.6% | n/a |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | 0.19× | n/a |
| Years with positive free cash flow (last 5) | 3 of 5 | n/a |
Weight in the score: 20%
| Profitable years (last 5) | 5 of 5 | 100/100 |
|---|---|---|
| Years of revenue decline (last 5) | 1 of 3 | 44/100 |
| Revenue growth volatility | 15.9% | 52/100 |
| Operating margin volatility | – | n/a |
Weight in the score: 20%
| Revenue growth, 3-year average | 16.4% | 100/100 |
|---|---|---|
| EPS growth, 3-year average | – | n/a |
Weight in the score: 10%
Fiscal year 2024 · change vs prior year
European data comes from annual reports in ESEF format (since 2020). Industry and ticker are not provided by this source.
Annual figures as reported. Hover a bar or point for the exact value.
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 | – | 5,786 | 5,760 | 7,515 | 9,123 |
| Interest expense | 1,439 | 1,107 | 2,588 | 6,631 | 8,187 |
| Pre-tax income | 2,370 | 3,266 | 3,324 | 4,484 | 5,647 |
| Income tax | 400 | 563 | 718 | 904 | 1,054 |
| Net income | 1,978 | 2,902 | 2,785 | 3,688 | 4,591 |
| Diluted EPS | kr8.87 | kr13.31 | kr12.82 | – | – |
Not computed: the model does not apply to banks and insurers.
Not computed: it needs two consecutive complete years.
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