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Sparebanken OstOSL:SPOG +1.27%50 Debt-to-Equity is 4.83 as of Jun. 2026, which is 8% below its 10-year median of 5.27. GuruFocus rates OSL:SPOG with a GF Score™ of 50/100 and a GF Value™ of kr61.56 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,417 Banks companies, Sparebanken Ost ranks worse than 96.4% 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 Sparebanken Ost's Debt-to-Equity or its related term are showing as below:
OSL:SPOG'
s Debt-to-Equity Range Over the Past 10 Years
Min: 4.63 Med: 5.27 Max: 6.15
Current: 4.83
During the past 13 years, the highest Debt-to-Equity Ratio of Sparebanken Ost was 6.15. The lowest was 4.63. And the median was 5.27.
OSL:SPOG's Debt-to-Equity is ranked worse than 96.4% of 1417
companies
in the Banks industry
Industry Median: 0.57
vs OSL:SPOG: 4.83
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.
Sparebanken Ost Debt-to-Equity Related Terms
Sparebanken Ost Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Sparebanken Ost'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, Sparebanken Ost'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.
Sparebanken Ost Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Sparebanken Ost's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Sparebanken Ost'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.
Sparebanken Ost (OSL:SPOG) has a Debt-to-Equity of 4.83 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Sparebanken Ost and its competitors. This is near median its historical median of 5.27. Over the past decade, Sparebanken Ost's Debt-to-Equity has ranged from 4.63 to 6.15. According to the industry distribution chart, Sparebanken Ost ranks #1366 out of 1417 companies in the Banks industry, placing it in the top 96.4%.
Is Sparebanken Ost's Debt-to-Equity too high?
Sparebanken Ost's current Debt-to-Equity of 4.83 is near median its 10-year median of 5.27. Over the past 10 years, this metric has ranged from a low of 4.63 to a high of 6.15. The Banks industry median Debt-to-Equity is 0.57. Sparebanken Ost's value of 4.83 is 747.4% above this industry median. Based on the distribution chart, Sparebanken Ost ranks #1366 out of 1417 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 Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, Sparebanken Ost ranks #1366 out of 1417 companies for Debt-to-Equity. This places Sparebanken Ost in the lower half of its industry. The industry median Debt-to-Equity is 0.57. Sparebanken Ost's value of 4.83 is 747.4% above this benchmark. Historically, Sparebanken Ost's own Debt-to-Equity has ranged from 4.63 to 6.15 over the past decade. While the company's 10-year median is 5.27 vs. the industry median of 0.57, Sparebanken Ost 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 0.57, based on 1,417 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. Sparebanken Ost's current Debt-to-Equity of 4.83 is 747.4% 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 Sparebanken Ost and its competitors. For the Banks industry, the median Debt-to-Equity is 0.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sparebanken Ost's current Debt-to-Equity is 4.83, which is near median its own 10-year median of 5.27. 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 kr61.56, compared to a current price of kr72.00 — trading 17% above its estimated fair value. The current Debt-to-Equity is 4.83, which is near median its 10-year median of 5.27 and 747.4% above the Banks industry median of 0.57. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Sparebanken Ost (OSL:SPOG), the current Debt-to-Equity is 4.83 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 kr72.00 is trading 17% above its estimated GF Value™ of kr61.56.
GuruFocus considers Sparebanken Ost to be Modestly Overvalued.
Key valuation signals for OSL:SPOG:
Debt-to-Equity: 4.83 (near median its 10-year median of 5.27)
GF Value™: kr61.56 vs. price of kr72.00 (17% above fair value)
Industry Position: 747.4% above the Banks median (#1366 of 1417)
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.
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