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Sogn SparebankOSL:SOGN -0.09%61 Debt-to-Equity is 0.42 as of Mar. 2026, which is 45% below its 10-year median of 0.76. GuruFocus rates OSL:SOGN with a GF Score™ of 61/100 and a GF Value™ of kr227.47 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,419 Banks companies, Sogn Sparebank ranks better than 60.25% 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 Sogn Sparebank's Debt-to-Equity or its related term are showing as below:
OSL:SOGN'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.42 Med: 0.76 Max: 6.2
Current: 0.42
During the past 13 years, the highest Debt-to-Equity Ratio of Sogn Sparebank was 6.20. The lowest was 0.42. And the median was 0.76.
OSL:SOGN's Debt-to-Equity is ranked better than 60.25% of 1419
companies
in the Banks industry
Industry Median: 0.58
vs OSL:SOGN: 0.42
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.
Sogn Sparebank Debt-to-Equity Related Terms
Sogn Sparebank Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Sogn 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.
Sogn Sparebank Debt-to-Equity Competitor Comparison
For the Banks - Regional subindustry, Sogn 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.
Sogn Sparebank Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Sogn Sparebank's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Sogn 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.
Sogn Sparebank (OSL:SOGN) has a Debt-to-Equity of 0.42 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Sogn Sparebank and its competitors. This is 45% below median its historical median of 0.76. Over the past decade, Sogn Sparebank's Debt-to-Equity has ranged from 0.42 to 6.20. According to the industry distribution chart, Sogn Sparebank ranks #564 out of 1419 companies in the Banks industry, placing it in the top 39.7%.
Is Sogn Sparebank's Debt-to-Equity too high?
Sogn Sparebank's current Debt-to-Equity of 0.42 is 45% below median its 10-year median of 0.76. Over the past 10 years, this metric has ranged from a low of 0.42 to a high of 6.20. The Banks industry median Debt-to-Equity is 0.58. Sogn Sparebank's value of 0.42 is 27.6% below this industry median. Based on the distribution chart, Sogn Sparebank ranks #564 out of 1419 companies in the Banks industry, which is above the industry midpoint. Overall, Sogn Sparebank has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sogn Sparebank's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, Sogn Sparebank ranks #564 out of 1419 companies for Debt-to-Equity. This puts Sogn Sparebank in the upper half of its industry. The industry median Debt-to-Equity is 0.58. Sogn Sparebank's value of 0.42 is 27.6% below this benchmark. Historically, Sogn Sparebank's own Debt-to-Equity has ranged from 0.42 to 6.20 over the past decade. While the company's 10-year median is 0.76 vs. the industry median of 0.58, Sogn Sparebank 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,419 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. Sogn Sparebank's current Debt-to-Equity of 0.42 is 27.6% 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 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 Sogn 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. Sogn Sparebank's current Debt-to-Equity is 0.42, which is 45% below median its own 10-year median of 0.76. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sogn Sparebank stock overvalued right now?
Based on GuruFocus' analysis, Sogn Sparebank (OSL:SOGN) is currently considered Significantly Overvalued. The stock's GF Value™ is kr227.47, compared to a current price of kr334.60 — trading 47.1% above its estimated fair value. The current Debt-to-Equity is 0.42, which is 45% below median its 10-year median of 0.76 and 27.6% below the Banks industry median of 0.58. Sogn Sparebank's overall GF Score™ is 61/100 with 5 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 Sogn Sparebank (OSL:SOGN), the current Debt-to-Equity is 0.42 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 Sogn Sparebank (OSL:SOGN) Overvalued in 2026?
Based on GuruFocus' analysis, Sogn Sparebank stock appears to be overvalued.
The current stock price of kr334.60 is trading 47.1% above its estimated GF Value™ of kr227.47.
GuruFocus considers Sogn Sparebank to be Significantly Overvalued.
Key valuation signals for OSL:SOGN:
Debt-to-Equity: 0.42 (45% below median its 10-year median of 0.76)
GF Value™: kr227.47 vs. price of kr334.60 (47.1% above fair value)
Industry Position: 27.6% below the Banks median (#564 of 1419)
No single metric tells the full story. See the OSL:SOGN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sogn 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.
61GF Score
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