Company Overview
Oma Säästöpankki is a Finnish savings bank that has been providing financial services to its customers for over 90 years. The company was founded in 1934 and has since grown to become one of the largest savings banks in Finland. Oma Säästöpankki's primary mission is to provide high-quality financial services to its customers, while also promoting sustainable finance and responsible business practices.
The company's core values include a commitment to customer satisfaction, a focus on innovation and technology, and a dedication to social responsibility. Oma Säästöpankki's employees are expected to embody these values in their daily work, and the company has implemented various initiatives to promote a positive and inclusive work culture.
Key Products and Services
Oma Säästöpankki offers a range of financial products and services, including savings accounts, loans, credit cards, and investment products. The company's savings accounts are known for their competitive interest rates and low fees, making them a popular choice among Finnish savers.
The bank also offers a range of loan products, including personal loans, mortgages, and business loans. Oma Säästöpankki's credit cards are designed to provide customers with flexible payment options and rewards programs.
Oma Säästöpankki offers a range of investment products, including mutual funds, exchange-traded funds (ETFs), and bonds. The company's investment team is experienced and knowledgeable, with a focus on providing long-term investment solutions to its customers.
The bank's investment products are designed to provide diversification and risk management benefits, making them an attractive option for investors seeking to grow their wealth over the long term. Oma Säästöpankki's commitment to sustainable finance also makes it a popular choice among environmentally conscious investors.
Benefits
Oma Säästöpankki's commitment to customer satisfaction and social responsibility makes it an attractive partner for businesses looking to expand their operations in Finland. The company's expertise in sustainable finance and responsible business practices can also provide valuable insights and guidance for companies looking to reduce their environmental impact.
Furthermore, Oma Säästöpankki's innovative approach to financial services and technology can help businesses stay ahead of the curve in terms of customer experience and digital transformation. The company's employees are highly skilled and knowledgeable, making them a valuable resource for businesses seeking expertise in finance and banking.
Valuation
| 2022 | 2023 | 2024 | 2025 | 2026 (e) | 2027 (e) | 2028 (e) | |
|---|---|---|---|---|---|---|---|
| Number of Shares (million) | 30.0 | 33.1 | 33.1 | 33.2 | 33.2 | 33.2 | 33.2 |
| Target Valuation (MEur) | 1455.5 | 1182.2 | 1126.8 | 1125.0 | 1266.2 | 1423.2 | 1423.2 |
| Targer Price | 48.49 | 35.75 | 34.0 | 33.88 | 38.15 | 42.89 | 42.89 |
| Potential, % | 160.4 | 68.2 | 220.8 | 177.7 | 126.3 | 154.4 | 154.4 |
| Recommendation | Buy | Buy | Buy | Buy | Buy | Buy | Buy |
| MCAP (MEur) | 559.0 | 702.8 | 351.3 | 405.1 | 559.5 | 559.5 | 559.5 |
| Price | 18.62 | 21.25 | 10.6 | 12.2 | 16.86 | 16.86 | 16.86 |
| EV | 559.0 | 703.0 | 351.0 | 405.0 | 560.0 | 560.0 | 560.0 |
| P/S | 3.87 | 2.84 | 1.3 | 1.83 | 2.7 | 2.69 | 2.72 |
| EV/S | 3.87 | 2.84 | 1.3 | 1.83 | 2.7 | 2.69 | 2.72 |
| EV/EBIT | 8.07 | 5.09 | 3.36 | 8.23 | 7.34 | 5.31 | 4.24 |
| P/E | 10.09 | 6.39 | 4.2 | 10.26 | 9.18 | 6.63 | 5.3 |
| P/B | 1.53 | 1.3 | 0.61 | 0.65 | 0.82 | 0.73 | 0.64 |
| P/OCF | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| EV/OCF | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| P/FCF | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| EV/FCF | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Income Statement
| 2022 | 2023 | 2024 | 2025 | 2026 (e) | 2027 (e) | 2028 (e) | |
|---|---|---|---|---|---|---|---|
| Revenue | 144.4 | 247.1 | 270.1 | 221.4 | 207.1 | 207.8 | 205.6 |
| Rev. Growth, % | 7.3 | 71.1 | 9.3 | -18.0 | -6.5 | 0.3 | -1.1 |
| Ebit | 69.2 | 138.0 | 104.6 | 49.2 | 76.2 | 105.4 | 132.0 |
| Ebit Growth, % | 12.9 | 99.4 | -24.2 | -53.0 | 54.9 | 38.3 | 25.2 |
| Ebit, % | 47.9 | 55.8 | 38.7 | 22.2 | 36.8 | 50.7 | 64.2 |
| Profit | 55.4 | 110.1 | 83.5 | 39.5 | 60.9 | 84.3 | 105.6 |
| EPS | 1.85 | 3.33 | 2.52 | 1.19 | 1.84 | 2.54 | 3.18 |
| Profit Growth, % | 13.8 | 98.7 | -24.2 | -52.7 | 54.2 | 38.4 | 25.3 |
| Profit, % | 38.4 | 44.6 | 30.9 | 17.8 | 29.4 | 40.6 | 51.4 |
Balance Sheet
| 2022 | 2023 | 2024 | 2025 | 2026 (e) | 2027 (e) | 2028 (e) | |
|---|---|---|---|---|---|---|---|
| Inventory | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Acc. Receivable | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Cash | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Equity | 365.0 | 541.1 | 576.1 | 618.8 | 678.5 | 762.9 | 868.5 |
| ROE, % | 15.2 | 20.3 | 14.5 | 6.4 | 9.0 | 11.0 | 12.2 |
| ROCE, % | 19.0 | 25.5 | 18.2 | 8.0 | 11.2 | 13.8 | 15.2 |
| Net Debt | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Gearing, % | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Equity ratio, % | 6.1 | 7.1 | 7.5 | 8.3 | 9.4 | 10.6 | 12.0 |
| Acc. Payable | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Total Assets | 5941.8 | 7642.9 | 7709.1 | 7474.0 | 7224.2 | 7224.2 | 7224.2 |
| ROA, % | 0.9 | 1.4 | 1.1 | 0.5 | 0.8 | 1.2 | 1.5 |
Cash Flow
| 2022 | 2023 | 2024 | 2025 | 2026 (e) | 2027 (e) | 2028 (e) | |
|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Investment Cash Flow | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Free Cash Flow | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| OCF/CAPEX | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Financial Cash Flow | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Disclaimer
Risk Disclosure: Trading in financial instruments involves high risks including the risk of losing some, or all, of your investment amount, and may not be suitable for all investors. Prices are extremely volatile and may be affected by external factors such as financial, regulatory or political events. Trading on margin increases the financial risks.
Before deciding to trade in financial instrument you should be fully informed of the risks and costs associated with trading the financial markets, carefully consider your investment objectives, level of experience, and risk appetite, and seek professional advice where needed.
The data contained in this website is not necessarily real-time nor accurate. The data and prices on the website are not provided by any market or exchange, but may be provided by market makers, and so prices may not be accurate and may differ from the actual price at any given market, meaning prices are indicative and not appropriate for trading purposes.
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