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Sparebanken OstOSL:SPOG -0.63%50 Cash-to-Debt is 0.03 as of Jun. 2026, which is 50% above its 10-year median of 0.02. GuruFocus rates OSL:SPOG with a GF Score™ of 50/100 and a GF Value™ of kr61.72 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,494 Banks companies, Sparebanken Ost ranks worse than 97.86% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Sparebanken Ost's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.03.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Sparebanken Ostcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Sparebanken Ost's Cash-to-Debt or its related term are showing as below:
OSL:SPOG'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.01 Med: 0.02 Max: 0.03
Current: 0.03
During the past 13 years, Sparebanken Ost's highest Cash to Debt Ratio was 0.03. The lowest was 0.01. And the median was 0.02.
OSL:SPOG's Cash-to-Debt is ranked worse than 97.86% of 1494
companies
in the Banks industry
Industry Median: 1.38
vs OSL:SPOG: 0.03
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Sparebanken Ost Cash-to-Debt Related Terms
Sparebanken Ost Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Sparebanken Ost's Cash-to-Debt 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.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, Sparebanken Ost's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Sparebanken Ost Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Sparebanken Ost's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Sparebanken Ost's Cash-to-Debt falls into.
* 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.
Sparebanken Ost (OSL:SPOG) has a Cash-to-Debt of 0.03 as of Jun. 2026. This is 50% above median its historical median of 0.02. Over the past decade, Sparebanken Ost's Cash-to-Debt has ranged from 0.01 to 0.03. According to the industry distribution chart, Sparebanken Ost ranks #1462 out of 1494 companies in the Banks industry, placing it in the top 97.9%.
Is Sparebanken Ost's Cash-to-Debt too high?
Sparebanken Ost's current Cash-to-Debt of 0.03 is 50% above median its 10-year median of 0.02. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 0.03. The Banks industry median Cash-to-Debt is 1.38. Sparebanken Ost's value of 0.03 is 97.8% below this industry median. Based on the distribution chart, Sparebanken Ost ranks #1462 out of 1494 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Sparebanken Ost has a GF Score™ of 50/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sparebanken Ost's Cash-to-Debt compare to competitors?
According to the Banks industry distribution chart, Sparebanken Ost ranks #1462 out of 1494 companies for Cash-to-Debt. This places Sparebanken Ost in the lower half of its industry. The industry median Cash-to-Debt is 1.38. Sparebanken Ost's value of 0.03 is 97.8% below this benchmark. Historically, Sparebanken Ost's own Cash-to-Debt has ranged from 0.01 to 0.03 over the past decade. While the company's 10-year median is 0.02 vs. the industry median of 1.38, Sparebanken Ost has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.38, based on 1,494 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sparebanken Ost's current Cash-to-Debt of 0.03 is 97.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sparebanken Ost's current Cash-to-Debt is 0.03, which is 50% above median its own 10-year median of 0.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sparebanken Ost stock overvalued right now?
Based on GuruFocus' analysis, Sparebanken Ost (OSL:SPOG) is currently considered Modestly Overvalued. The stock's GF Value™ is kr61.72, compared to a current price of kr71.50 — trading 15.8% above its estimated fair value. The current Cash-to-Debt is 0.03, which is 50% above median its 10-year median of 0.02 and 97.8% below the Banks industry median of 1.38. Sparebanken Ost's overall GF Score™ is 50/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Sparebanken Ost (OSL:SPOG), the current Cash-to-Debt is 0.03 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 Sparebanken Ost (OSL:SPOG) Overvalued in 2026?
Based on GuruFocus' analysis, Sparebanken Ost stock appears to be overvalued.
The current stock price of kr71.50 is trading 15.8% above its estimated GF Value™ of kr61.72.
GuruFocus considers Sparebanken Ost to be Modestly Overvalued.
Key valuation signals for OSL:SPOG:
Cash-to-Debt: 0.03 (50% above median its 10-year median of 0.02)
GF Value™: kr61.72 vs. price of kr71.50 (15.8% above fair value)
Industry Position: 97.8% below the Banks median (#1462 of 1494)
No single metric tells the full story. See the OSL:SPOG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sparebanken Øst is a savings bank in Norway. It offers banking products and services to retail and corporate customers in the areas of loans, payment services, insurance products, property management as well as advisory services. Its mission is to be a non-affiliated, independent and locally managed provider of financial services, to enable people in general, along with small and medium-sized enterprises, to exploit their financial resources in the possible manner.
50GF Score
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