Sparebank 1 Ostfold Akershus (OSL:SOAG) Net Loan: kr27,690 Mil (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

OSL:SOAG Sparebank 1 Ostfold Akershus OSL:SOAG
66 GF Score
Price kr446.00
GF Value kr399.59
Valuation Modestly Overvalued
! 6 Warning Signs
View Full Analysis

What is Sparebank 1 Ostfold Akershus Net Loan?

Sparebank 1 Ostfold Akershus OSL:SOAG +3.72% 66 Net Loan is kr27,690 Mil as of Jun. 2026. GuruFocus rates OSL:SOAG with a GF Score™ of 66/100 and a GF Value™ of kr399.59 (Modestly Overvalued). The stock has 6 warning signs investors should review.

Sparebank 1 Ostfold Akershus's quarterly net loan increased from Dec. 2025 (kr26,083 Mil) to Mar. 2026 (kr26,743 Mil) and increased from Mar. 2026 (kr26,743 Mil) to Jun. 2026 (kr27,690 Mil).

Sparebank 1 Ostfold Akershus's annual net loan increased from Dec. 2023 (kr23,728 Mil) to Dec. 2024 (kr26,743 Mil) and increased from Dec. 2024 (kr26,743 Mil) to Dec. 2025 (kr27,690 Mil).

Sparebank 1 Ostfold Akershus Net Loan Historical Data

* Premium members only.

The historical data trend for Sparebank 1 Ostfold Akershus's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Sparebank 1 Ostfold Akershus Net Loan Chart

Sparebank 1 Ostfold Akershus Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 22,284.00 22,578.00 23,728.00 24,538.00 26,083.00

Sparebank 1 Ostfold Akershus Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 26,248.00 26,215.00 26,083.00 26,743.00 27,690.00
OSL:SOAG
66GF Score
Sparebank 1 Ostfold Akershus OSL:SOAG
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Sparebank 1 Ostfold Akershus Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of kr27,690 Mil mean?
Sparebank 1 Ostfold Akershus (OSL:SOAG) has a Net Loan of kr27,690 Mil as of Jun. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Sparebank 1 Ostfold Akershus and its competitors.
Is Sparebank 1 Ostfold Akershus' Net Loan too high?
Sparebank 1 Ostfold Akershus' current Net Loan is kr27,690 Mil. Overall, Sparebank 1 Ostfold Akershus has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sparebank 1 Ostfold Akershus' Net Loan compare to competitors?
Sparebank 1 Ostfold Akershus' Net Loan of kr27,690 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Sparebank 1 Ostfold Akershus and its competitors. Sparebank 1 Ostfold Akershus's current Net Loan is kr27,690 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sparebank 1 Ostfold Akershus stock overvalued right now?
Based on GuruFocus' analysis, Sparebank 1 Ostfold Akershus (OSL:SOAG) is currently considered Modestly Overvalued. The stock's GF Value™ is kr399.59, compared to a current price of kr446.00 — trading 11.6% above its estimated fair value. The current Net Loan is kr27,690 Mil. Sparebank 1 Ostfold Akershus' overall GF Score™ is 66/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Sparebank 1 Ostfold Akershus (OSL:SOAG), the current Net Loan is kr27,690 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Sparebank 1 Ostfold Akershus (OSL:SOAG) Overvalued in 2026?

Based on GuruFocus' analysis, Sparebank 1 Ostfold Akershus stock appears to be overvalued. The current stock price of kr446.00 is trading 11.6% above its estimated GF Value™ of kr399.59. GuruFocus considers Sparebank 1 Ostfold Akershus to be Modestly Overvalued.

Key valuation signals for OSL:SOAG:

  • Net Loan: kr27,690 Mil
  • GF Value™: kr399.59 vs. price of kr446.00 (11.6% above fair value)
  • GF Score™: 66/100 with 6 warning signs

No single metric tells the full story. See the OSL:SOAG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Sparebank 1 Ostfold Akershus Business Description

Address Kongensgate 21, Moss, NOR, 1501
Sparebank 1 Ostfold Akershus is a regional savings bank operating through SpareBank 1 Corp. It offers a range of financial services including loans, savings, advice, insurance and pensions to personal and corporate customers. The Bank also offers credit cards, debit cards, structured products, stock savings, mobile banking and online banking services.
66GF Score

Get the complete analysis for OSL:SOAG

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

kr446.00
Price
kr399.59
GF Value