SpareBank 1 Ostlandet (OSL:SPOL) Net Loan: kr163,077 Mil (As of Mar. 2026)

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OSL:SPOL SpareBank 1 Ostlandet OSL:SPOL
63 GF Score
Price kr193.44
GF Value kr165.51
Valuation Modestly Overvalued
! 7 Warning Signs
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What is SpareBank 1 Ostlandet Net Loan?

SpareBank 1 Ostlandet OSL:SPOL -0.56% 63 Net Loan is kr163,077 Mil as of Mar. 2026. GuruFocus rates OSL:SPOL with a GF Score™ of 63/100 and a GF Value™ of kr165.51 (Modestly Overvalued). The stock has 7 warning signs investors should review.

SpareBank 1 Ostlandet's quarterly net loan declined from Sep. 2025 (kr162,882 Mil) to Dec. 2025 (kr162,134 Mil) but then increased from Dec. 2025 (kr162,134 Mil) to Mar. 2026 (kr163,077 Mil).

SpareBank 1 Ostlandet's annual net loan increased from Dec. 2023 (kr136,529 Mil) to Dec. 2024 (kr162,134 Mil) and increased from Dec. 2024 (kr162,134 Mil) to Dec. 2025 (kr163,077 Mil).

SpareBank 1 Ostlandet Net Loan Historical Data

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The historical data trend for SpareBank 1 Ostlandet'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 Ostlandet Net Loan Chart

SpareBank 1 Ostlandet 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 122,276.00 133,099.00 136,529.00 161,042.00 162,134.00

SpareBank 1 Ostlandet Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
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 162,027.00 162,095.00 162,882.00 162,134.00 163,077.00
OSL:SPOL
63GF Score
SpareBank 1 Ostlandet OSL:SPOL
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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SpareBank 1 Ostlandet 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 kr163,077 Mil mean?
SpareBank 1 Ostlandet (OSL:SPOL) has a Net Loan of kr163,077 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on SpareBank 1 Ostlandet and its competitors.
Is SpareBank 1 Ostlandet's Net Loan too high?
SpareBank 1 Ostlandet's current Net Loan is kr163,077 Mil. Overall, SpareBank 1 Ostlandet has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SpareBank 1 Ostlandet's Net Loan compare to competitors?
SpareBank 1 Ostlandet's Net Loan of kr163,077 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 Ostlandet and its competitors. SpareBank 1 Ostlandet's current Net Loan is kr163,077 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 Ostlandet stock overvalued right now?
Based on GuruFocus' analysis, SpareBank 1 Ostlandet (OSL:SPOL) is currently considered Modestly Overvalued. The stock's GF Value™ is kr165.51, compared to a current price of kr193.44 — trading 16.9% above its estimated fair value. The current Net Loan is kr163,077 Mil. SpareBank 1 Ostlandet's overall GF Score™ is 63/100 with 7 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 Ostlandet (OSL:SPOL), the current Net Loan is kr163,077 Mil as of Mar. 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 Ostlandet (OSL:SPOL) Overvalued in 2026?

Based on GuruFocus' analysis, SpareBank 1 Ostlandet stock appears to be overvalued. The current stock price of kr193.44 is trading 16.9% above its estimated GF Value™ of kr165.51. GuruFocus considers SpareBank 1 Ostlandet to be Modestly Overvalued.

Key valuation signals for OSL:SPOL:

  • Net Loan: kr163,077 Mil
  • GF Value™: kr165.51 vs. price of kr193.44 (16.9% above fair value)
  • GF Score™: 63/100 with 7 warning signs

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

SpareBank 1 Ostlandet Business Description

Other Exchanges 0RU6:UK
Address Strandgata 15, Postbox 203, Hamar, NOR, N-2302
SpareBank 1 Ostlandet is a savings bank and regional financial institution. The bank offers financial products and services, including savings, financing, payment processing, insurance, capital management, investments, loans and credits, advisory services, foreign exchange and interest rate hedging, and pension solutions. The Group reports the following operating segments: Retail Banking (PM), Corporate Banking (BM), Real Estate Agency, Financing/Leasing, Accounting Services, and Unallocated operations. The bank mainly operates in Eastern Norway with a presence in Innlandet, Oslo, Akershus, and Buskerud through a branch network, digital channels, and customer centres.
63GF Score

Get the complete analysis for OSL:SPOL

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

kr193.44
Price
kr165.51
GF Value