YOLFTbeta
Bien Sparebank ASA

Bien Sparebank ASA

BIEN · OL · Financial Services / Banks - Regional

147.00NOK+0.00 (0.00%)

Price History

Full chart

Market Stats

Previous Close147.00
Open147.00
Day Range147.00 – 147.00
52-Week Range124.22 – 165.00
Volume2
Market Cap812.27M
P/E (TTM)14.05
Forward P/E0.00
EPS10.18
Dividend Yield4.01%
Beta-0.55
50-Day Avg145.22
200-Day Avg150.13

About

Bien Sparebank ASA operates as a savings bank that provides a range of banking and financial products and services to individuals and business customers in Norway and internationally. It operates through Retail Market and Corporate Market segments. The company offers banking services, such as bank cards, abroad payment, credit cards, account services, mobile banking and online banking services, and mobile payment solution; insurance products, including car, child, household items, house, travel, and dog insurance; and loan comprising car loan, mortgage, loans for motorcycle, motorhome, and ATVs; and senior loans. It also provides saving and retirement solutions, which include bank savings, BSU savings, mutual fund savings, fund savings for children, micro savings, and retirement savings. Bien Sparebank ASA was founded in 1885 and is based in Oslo, Norway.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMs. Lena Jorundland
  • Employees34
  • HeadquartersDronning Mauds gate 11, Oslo, Norway, 0250, Norway
  • Websitehttps://www.bien.no

Leadership

  • Ms. Lena JorundlandManaging Bank Manager & MD · b. 1971
  • Mr. Oyvind BriseidHead of Finance & CFO · b. 1973
  • Ms. Vildana BasaraHead of Risk & Compliance · b. 1989
  • Ms. Monica Storm PrestøHead Customer & Market
  • Hans Thomas Grøholt KiærHead of IT, GDPR & HR (on leave)
  • Ms. Renate Halstvedt RollHead of Finance · b. 1976
  • Ms. Linn Bjunes HunstokHead of Private Market · b. 1990
  • Ida Tverraaen HansenHead of Business Support · b. 1988
  • Andre Noraas WillassenHead of AHV · b. 1991
  • Mr. Ole FjeldstadHead of Credit · b. 1980

Financials

Income Statement

Currency: NOK2020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue96.70M101.83M118.55M143.26M153.11M170.42M
Growth (%)-+5.31%+16.41%+20.85%+6.87%+11.31%
Net Income26.02M29.46M42.09M55.85M60.77M65.20M
Net Income Margin26.90%28.93%35.50%38.98%39.69%38.26%
Interest Expense65.50M42.41M59.90M133.35M177.57M198.46M
Interest Expense % of Total Revenue67.74%41.64%50.53%93.08%115.97%116.45%

Balance Sheet

Currency: NOK2020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets5.04B5.00B4.96B5.11B5.45B6.13B
Total Liabilities4.53B4.46B4.31B4.41B4.74B5.36B
Total Equity509.73M534.51M652.26M694.19M716.68M770.79M
Cash2.00M66.55M66.75M68.21M69.37M73.55M
Net Debt1.01B852.16M855.60M955.55M1.03B1.30B

Cash Flow

Currency: NOK2020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow26.23M24.80M84.80M-170.29M26.11M-154.99M
Investing Cash Flow-305.00K12.41M-22.68M23.25M-6.13M-28.38M
Financing Cash Flow-38.66M-79.70M21.79M24.63M-9.61M101.86M
Capital Expenditure000000
Free Cash Flow26.20M24.80M84.80M-170.29M26.11M-154.99M
Dividends Paid8.10M8.50M11.70M21.05M27.95M30.38M
FCF to OCF99.88%100.00%100.00%100.00%100.00%100.00%
Dividend Paid to FCF30.92%34.27%13.80%-12.36%107.03%-19.60%

Earnings

Report DateMar 29, 2022May 10, 2022Aug 12, 2022Nov 30, 2022Feb 13, 2023May 10, 2023Aug 14, 2023Nov 7, 2023Feb 14, 2024May 5, 2024Aug 13, 2024Nov 6, 2024Feb 12, 2025May 7, 2025Aug 12, 2025Nov 5, 2025Feb 11, 2026May 12, 2026Aug 11, 2026
EPS Estimate0.000.000.001.901.762.303.102.441.461.803.012.431.911.924.202.202.102.103.91
EPS Actual0.861.492.521.900.941.853.602.041.721.913.762.292.741.923.992.492.421.913.36
Surprise---0.00%-46.59%-19.57%16.13%-16.39%17.81%6.11%24.92%-5.76%43.46%0.00%-5.00%13.18%15.24%-8.97%-14.07%
Timing----Pre-marketAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-market--

Key Statistics & Ratios

Market Cap812.27M
Enterprise Value1.35B
Trailing P/E14.05
Forward P/E0.00
Price / Sales4.92
Price / Book1.06
EPS10.18
Book Value127.30
Revenue (TTM)165.23M
Gross Profit (TTM)165.23M
Profit Margin37.21%
Operating Margin54.31%
Return on Equity8.28%
Return on Assets0.98%
Shares Outstanding5.68M
Shares Float5.68M
Beta-0.55
Dividend Yield4.01%
Dividend Rate5.74
Payout Ratio56.36%

Dividends

20261×
5.74Apr 9, 2026
20251×
5.35Mar 28, 2025
20241×
4.92Mar 22, 2024