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Jaeren SparebankOSL:JAREN 60 Debt-to-Equity is 1.73 as of Jun. 2026, which is 3% above its 10-year median of 1.68. GuruFocus rates OSL:JAREN with a GF Score™ of 60/100 and a GF Value™ of kr323.89 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,411 Banks companies, Jaeren Sparebank ranks worse than 82% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Jaeren Sparebank's Debt-to-Equity or its related term are showing as below:
OSL:JAREN'
s Debt-to-Equity Range Over the Past 10 Years
Min: 1.33 Med: 1.68 Max: 2.38
Current: 1.73
During the past 13 years, the highest Debt-to-Equity Ratio of Jaeren Sparebank was 2.38. The lowest was 1.33. And the median was 1.68.
OSL:JAREN's Debt-to-Equity is ranked worse than 82% of 1411
companies
in the Banks industry
Industry Median: 0.58
vs OSL:JAREN: 1.73
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Jaeren Sparebank Debt-to-Equity Related Terms
Jaeren Sparebank Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Jaeren Sparebank's Debt-to-Equity 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.
For the Banks - Regional subindustry, Jaeren Sparebank's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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.
Jaeren Sparebank Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Jaeren Sparebank's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Jaeren Sparebank's Debt-to-Equity 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.
Jaeren Sparebank (OSL:JAREN) has a Debt-to-Equity of 1.73 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Jaeren Sparebank and its competitors. This is near median its historical median of 1.68. Over the past decade, Jaeren Sparebank's Debt-to-Equity has ranged from 1.33 to 2.38. According to the industry distribution chart, Jaeren Sparebank ranks #1157 out of 1411 companies in the Banks industry, placing it in the top 82%.
Is Jaeren Sparebank's Debt-to-Equity too high?
Jaeren Sparebank's current Debt-to-Equity of 1.73 is near median its 10-year median of 1.68. Over the past 10 years, this metric has ranged from a low of 1.33 to a high of 2.38. The Banks industry median Debt-to-Equity is 0.58. Jaeren Sparebank's value of 1.73 is 198.3% above this industry median. Based on the distribution chart, Jaeren Sparebank ranks #1157 out of 1411 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Jaeren Sparebank has a GF Score™ of 60/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Jaeren Sparebank's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, Jaeren Sparebank ranks #1157 out of 1411 companies for Debt-to-Equity. This places Jaeren Sparebank in the lower half of its industry. The industry median Debt-to-Equity is 0.58. Jaeren Sparebank's value of 1.73 is 198.3% above this benchmark. Historically, Jaeren Sparebank's own Debt-to-Equity has ranged from 1.33 to 2.38 over the past decade. While the company's 10-year median is 1.68 vs. the industry median of 0.58, Jaeren Sparebank has consistently been above 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,411 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jaeren Sparebank's current Debt-to-Equity of 1.73 is 198.3% above 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Jaeren Sparebank and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jaeren Sparebank's current Debt-to-Equity is 1.73, which is near median its own 10-year median of 1.68. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jaeren Sparebank stock overvalued right now?
Based on GuruFocus' analysis, Jaeren Sparebank (OSL:JAREN) is currently considered Fairly Valued. The stock's GF Value™ is kr323.89, compared to a current price of kr339.00 — trading 4.7% above its estimated fair value. The current Debt-to-Equity is 1.73, which is near median its 10-year median of 1.68 and 198.3% above the Banks industry median of 0.58. Jaeren Sparebank's overall GF Score™ is 60/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Jaeren Sparebank (OSL:JAREN), the current Debt-to-Equity is 1.73 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 Jaeren Sparebank (OSL:JAREN) Overvalued in 2026?
Based on GuruFocus' analysis, Jaeren Sparebank stock appears to be overvalued.
The current stock price of kr339.00 is trading 4.7% above its estimated GF Value™ of kr323.89.
GuruFocus considers Jaeren Sparebank to be Fairly Valued.
Key valuation signals for OSL:JAREN:
Debt-to-Equity: 1.73 (near median its 10-year median of 1.68)
GF Value™: kr323.89 vs. price of kr339.00 (4.7% above fair value)
Industry Position: 198.3% above the Banks median (#1157 of 1411)
No single metric tells the full story. See the OSL:JAREN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Jaeren Sparebank operates as a local bank. 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.
60GF Score
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