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Cash flow from operations refers to the cash brought in through a company's normal business operations. It is the cash flow before any investment or financing activities. It is the cash version of net income.
SpareBank 1 Ringerike Hadeland (OSL:RING) Cash Flow from Operations Explanation
For companies reported in indirect method, cash flow from operations contains six items:
1. Net Income From Continuing Operations:
Net Income From Continuing Operations indicates the net income that a firm brings in from ongoing business activities. These activities are expected to continue into the next reporting period. It excludes extraordinary items, income from the cumulative effects of accounting changes, non-recurring items, income from tax loss carry forward, and preferred dividends.
SpareBank 1 Ringerike Hadeland's net income from continuing operations for the
three
months ended in Mar. 2026 was kr165 Mil.
2. Depreciation, Depletion and Amortization:
Depreciation is a present expense that accounts for the past cost of an asset that is now providing benefits.
Depletion and amortization are synonyms for depreciation.
Generally:
The term depreciation is used when discussing man made tangible assets
The term depletion is used when discussing natural tangible assets
The term amortization is used when discussing intangible assets
SpareBank 1 Ringerike Hadeland's depreciation, depletion and amortization for the
three
months ended in Mar. 2026 was kr5 Mil.
3. Change In Working Capital:
Working Capital is a measure of a company's short term liquidity or its ability to cover short term liabilities. It is defined as the difference between a company's current assets and current liabilities. Changes in Working Capital is reported in the cash flow statement since it is one of the major ways in which net income can differ from operating cash flow.
SpareBank 1 Ringerike Hadeland's change in working capital for the
three
months ended in Mar. 2026 was kr0 Mil. It means SpareBank 1 Ringerike Hadeland's working capital
{id_Q12}
from Dec. 2025 to Mar. 2026 .
4. Deferred Tax:
It is the cash flow generated from deferred tax.
SpareBank 1 Ringerike Hadeland's cash flow from deferred tax for the
three
months ended in Mar. 2026 was kr0 Mil.
SpareBank 1 Ringerike Hadeland's cash from discontinued operating Activities for the
three
months ended in Mar. 2026 was kr0 Mil.
6. Asset Impairment Charge:
It is the charge against earnings resulting from the aggregate write down of all assets from their carrying value to their fair value.
SpareBank 1 Ringerike Hadeland's asset impairment charge for the
three
months ended in Mar. 2026 was kr0 Mil.
7. Stock Based Compensation:
It is a way corporations use stock options to reward employees. It provides executives and employees the opportunity to share in the growth of the company and, if structured properly, can align their interests with the interests of the company's shareholders and investors, without burning the company's cash on hand.
SpareBank 1 Ringerike Hadeland's stock based compensation for the
three
months ended in Mar. 2026 was kr0 Mil.
8. Cash Flow from Others:
These are cash differences caused by the change of inventory, accounts payable, accounts receivable etc. For instance, if a company pays its suppliers slower, its cash position will build up faster. If a company receives payments from its customers slower, its account receivables will rise, and its cash position will grow more slowly (or even shrink).
SpareBank 1 Ringerike Hadeland's cash flow from others for the
three
months ended in Mar. 2026 was kr-395 Mil.
SpareBank 1 Ringerike Hadeland Cash Flow from Operations Related Terms
SpareBank 1 Ringerike Hadeland Cash Flow from Operations Historical Data
* 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 Ringerike Hadeland Cash Flow from Operations Chart
SpareBank 1 Ringerike Hadeland Cash Flow from Operations Calculation
Cash flow from operations refers to the cash brought in through a company's normal business operations. It is the cash flow before any investment or financing activities. It is the cash version of net income.
SpareBank 1 Ringerike Hadeland's Cash Flow from Operations for the fiscal year that ended in Dec. 2025 is calculated as:
Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was kr223 Mil.
* 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.
What does a Cash Flow from Operations of kr223 Mil mean?
SpareBank 1 Ringerike Hadeland (OSL:RING) has a Cash Flow from Operations of kr223 Mil as of Mar. 2026. Cash Flow from Operations is the amount of cash earned or paid from standard business operations. View historical data for SpareBank 1 Ringerike Hadeland and its competitors.
Is SpareBank 1 Ringerike Hadeland's Cash Flow from Operations too high?
SpareBank 1 Ringerike Hadeland's current Cash Flow from Operations is kr223 Mil. Overall, SpareBank 1 Ringerike Hadeland has a GF Score™ of 75/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does SpareBank 1 Ringerike Hadeland's Cash Flow from Operations compare to competitors?
SpareBank 1 Ringerike Hadeland's Cash Flow from Operations of kr223 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 Cash Flow from Operations for a Banks company?
A good Cash Flow from Operations depends on the Banks industry context. However, Cash Flow from Operations 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 Cash Flow from Operations mean?
A high Cash Flow from Operations can signal that a stock is expensive relative to its fundamentals. Cash Flow from Operations is the amount of cash earned or paid from standard business operations. View historical data for SpareBank 1 Ringerike Hadeland and its competitors. SpareBank 1 Ringerike Hadeland's current Cash Flow from Operations is kr223 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 Ringerike Hadeland stock overvalued right now?
Based on GuruFocus' analysis, SpareBank 1 Ringerike Hadeland (OSL:RING) is currently considered Fairly Valued. The stock's GF Value™ is kr404.74, compared to a current price of kr437.00 — trading 8% above its estimated fair value. The current Cash Flow from Operations is kr223 Mil. SpareBank 1 Ringerike Hadeland's overall GF Score™ is 75/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Flow from Operations calculated?
Cash Flow from Operations is calculated from a company's financial statements. For SpareBank 1 Ringerike Hadeland (OSL:RING), the current Cash Flow from Operations is kr223 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 Ringerike Hadeland (OSL:RING) Overvalued in 2026?
Based on GuruFocus' analysis, SpareBank 1 Ringerike Hadeland stock appears to be overvalued.
The current stock price of kr437.00 is trading 8% above its estimated GF Value™ of kr404.74.
GuruFocus considers SpareBank 1 Ringerike Hadeland to be Fairly Valued.
Key valuation signals for OSL:RING:
Cash Flow from Operations: kr223 Mil
GF Value™: kr404.74 vs. price of kr437.00 (8% above fair value)
No single metric tells the full story. See the OSL:RING stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SpareBank 1 Ringerike Hadeland is a savings bank in Norway offering financing, placement, payment services, pensions, and life insurance. Its business is organized into two sections, personal and corporate market. The Bank serves less self-employed, agricultural, and business class customers as well. The Bank also provides credit cards, debit cards, structured products, stock savings, mobile banking and online banking services. The company has one segment, which is lending to finance commercial property, including lending that represents the joint debt of a condominium or housing association.
75GF Score
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