SPIZF (Sparebanken Norge) Debt-to-Asset : 0.49 (As of Jun. 2026)

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SPIZF Sparebanken Norge SPIZF
62 GF Score
Price $19.80
GF Value $18.43
Valuation Fairly Valued
! 7 Warning Signs
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What is Sparebanken Norge Debt-to-Asset?

Sparebanken Norge SPIZF 62 Debt-to-Asset is 0.49 as of Jun. 2026. GuruFocus rates SPIZF with a GF Score™ of 62/100 and a GF Value™ of $18.43 (Fairly Valued). The stock has 7 warning signs investors should review.

Sparebanken Norge's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was $0 Mil. Sparebanken Norge's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was $30,812 Mil. Sparebanken Norge's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Jun. 2026 was $62,517 Mil. Sparebanken Norge's debt to asset for the quarter that ended in Jun. 2026 was 0.49.

Sparebanken Norge  (OTCPK:SPIZF) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

Sparebanken Norge Debt-to-Asset Related Terms

Sparebanken Norge Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for Sparebanken Norge's Debt-to-Asset 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.

Sparebanken Norge Debt-to-Asset Chart

Sparebanken Norge Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.39 0.39 0.42 0.35 0.34

Sparebanken Norge Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Debt-to-Asset 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 0.48 0.49 0.34 0.49 0.49

Sparebanken Norge Debt-to-Asset Competitor Comparison

For the Banks - Regional subindustry, Sparebanken Norge's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset 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 Norge Debt-to-Asset vs Banks Industry

For the Banks industry and Financial Services sector, Sparebanken Norge's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where Sparebanken Norge's Debt-to-Asset falls into.


SPIZF
62GF Score
Sparebanken Norge SPIZF
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Sparebanken Norge Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

Sparebanken Norge's Debt-to-Asset for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 19597.008) / 57556.224
=0.34

Sparebanken Norge's Debt-to-Asset for the quarter that ended in Jun. 2026 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 30812.297) / 62517.453
=0.49

* 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.

Frequently Asked Questions Learn more about Debt-to-Asset →
What does a Debt-to-Asset of 0.49 mean?
Sparebanken Norge (SPIZF) has a Debt-to-Asset of 0.49 as of Jun. 2026. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Sparebanken Norge and its competitors.
Is Sparebanken Norge's Debt-to-Asset too high?
Sparebanken Norge's current Debt-to-Asset is 0.49. Overall, Sparebanken Norge has a GF Score™ of 62/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Sparebanken Norge's Debt-to-Asset compare to competitors?
Sparebanken Norge's Debt-to-Asset of 0.49 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 Debt-to-Asset for a Banks company?
A good Debt-to-Asset depends on the Banks industry context. However, Debt-to-Asset 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 Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Sparebanken Norge and its competitors. Sparebanken Norge's current Debt-to-Asset is 0.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sparebanken Norge stock overvalued right now?
Based on GuruFocus' analysis, Sparebanken Norge (SPIZF) is currently considered Fairly Valued. The stock's GF Value™ is $18.43, compared to a current price of $19.80 — trading 7.4% above its estimated fair value. The current Debt-to-Asset is 0.49. Sparebanken Norge's overall GF Score™ is 62/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For Sparebanken Norge (SPIZF), the current Debt-to-Asset is 0.49 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 Norge (SPIZF) Overvalued in 2026?

Based on GuruFocus' analysis, Sparebanken Norge stock appears to be overvalued. The current stock price of $19.80 is trading 7.4% above its estimated GF Value™ of $18.43. GuruFocus considers Sparebanken Norge to be Fairly Valued.

Key valuation signals for SPIZF:

  • Debt-to-Asset: 0.49
  • GF Value™: $18.43 vs. price of $19.80 (7.4% above fair value)
  • GF Score™: 62/100 with 7 warning signs

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

Sparebanken Norge Business Description

Address Jonsvollsgaten 2, Bergen, NOR, 5011
Sparebanken Norge is a financial services company engaged in providing banking services. In addition, the Group delivers a wide range of banking services across savings, investments, payments, and insurance, as well as digital self-service solutions and personal advisory services, both in person and online. The group operates in five reportable segments: Corporate Market, Retail Market, Bulder, Estate Agency, and Brage Finans. The majority of its revenue is generated from the Retail market segment.
62GF Score

Get the complete analysis for SPIZF

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

$19.80
Price
$18.43
GF Value