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SpareBank 1 OstlandetOSL:SPOL +0.86%65 Debt-to-Equity is 1.92 as of Mar. 2026, which is 17% below its 10-year median of 2.32. GuruFocus rates OSL:SPOL with a GF Score™ of 65/100 and a GF Value™ of kr165.63 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,422 Banks companies, SpareBank 1 Ostlandet ranks worse than 84.6% 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 SpareBank 1 Ostlandet's Debt-to-Equity or its related term are showing as below:
OSL:SPOL'
s Debt-to-Equity Range Over the Past 10 Years
Min: 1.74 Med: 2.32 Max: 2.58
Current: 1.92
During the past 12 years, the highest Debt-to-Equity Ratio of SpareBank 1 Ostlandet was 2.58. The lowest was 1.74. And the median was 2.32.
OSL:SPOL's Debt-to-Equity is ranked worse than 84.6% of 1422
companies
in the Banks industry
Industry Median: 0.57
vs OSL:SPOL: 1.92
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.
SpareBank 1 Ostlandet Debt-to-Equity Related Terms
SpareBank 1 Ostlandet Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for SpareBank 1 Ostlandet'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, SpareBank 1 Ostlandet'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.
SpareBank 1 Ostlandet Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, SpareBank 1 Ostlandet's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where SpareBank 1 Ostlandet'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.
SpareBank 1 Ostlandet (OSL:SPOL) has a Debt-to-Equity of 1.92 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on SpareBank 1 Ostlandet and its competitors. This is 17% below median its historical median of 2.32. Over the past decade, SpareBank 1 Ostlandet's Debt-to-Equity has ranged from 1.74 to 2.58. According to the industry distribution chart, SpareBank 1 Ostlandet ranks #1203 out of 1422 companies in the Banks industry, placing it in the top 84.6%.
Is SpareBank 1 Ostlandet's Debt-to-Equity too high?
SpareBank 1 Ostlandet's current Debt-to-Equity of 1.92 is 17% below median its 10-year median of 2.32. Over the past 10 years, this metric has ranged from a low of 1.74 to a high of 2.58. The Banks industry median Debt-to-Equity is 0.57. SpareBank 1 Ostlandet's value of 1.92 is 236.8% above this industry median. Based on the distribution chart, SpareBank 1 Ostlandet ranks #1203 out of 1422 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, SpareBank 1 Ostlandet has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SpareBank 1 Ostlandet's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, SpareBank 1 Ostlandet ranks #1203 out of 1422 companies for Debt-to-Equity. This places SpareBank 1 Ostlandet in the lower half of its industry. The industry median Debt-to-Equity is 0.57. SpareBank 1 Ostlandet's value of 1.92 is 236.8% above this benchmark. Historically, SpareBank 1 Ostlandet's own Debt-to-Equity has ranged from 1.74 to 2.58 over the past decade. While the company's 10-year median is 2.32 vs. the industry median of 0.57, SpareBank 1 Ostlandet 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 1,422 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. SpareBank 1 Ostlandet's current Debt-to-Equity of 1.92 is 236.8% 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 SpareBank 1 Ostlandet 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. SpareBank 1 Ostlandet's current Debt-to-Equity is 1.92, which is 17% below median its own 10-year median of 2.32. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SpareBank 1 Ostlandet stock overvalued right now?
Based on GuruFocus' analysis, SpareBank 1 Ostlandet (OSL:SPOL) is currently considered Modestly Overvalued. The stock's GF Value™ is kr165.63, compared to a current price of kr191.50 — trading 15.6% above its estimated fair value. The current Debt-to-Equity is 1.92, which is 17% below median its 10-year median of 2.32 and 236.8% above the Banks industry median of 0.57. SpareBank 1 Ostlandet's overall GF Score™ is 65/100 with 6 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 SpareBank 1 Ostlandet (OSL:SPOL), the current Debt-to-Equity is 1.92 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 SpareBank 1 Ostlandet (OSL:SPOL) Overvalued in 2026?
Based on GuruFocus' analysis, SpareBank 1 Ostlandet stock appears to be overvalued.
The current stock price of kr191.50 is trading 15.6% above its estimated GF Value™ of kr165.63.
GuruFocus considers SpareBank 1 Ostlandet to be Modestly Overvalued.
Key valuation signals for OSL:SPOL:
Debt-to-Equity: 1.92 (17% below median its 10-year median of 2.32)
GF Value™: kr165.63 vs. price of kr191.50 (15.6% above fair value)
Industry Position: 236.8% above the Banks median (#1203 of 1422)
No single metric tells the full story. See the OSL:SPOL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SpareBank 1 Ostlandet is a savings bank and regional financial institution. The bank offers financial products and services, including savings, financing, payment processing, insurance, capital management, investments, loans and credits, advisory services, foreign exchange and interest rate hedging, and pension solutions. The Group reports the following operating segments: Retail Banking (PM), Corporate Banking (BM), Real Estate Agency, Financing/Leasing, Accounting Services, and Unallocated operations. The bank mainly operates in Eastern Norway with a presence in Innlandet, Oslo, Akershus, and Buskerud through a branch network, digital channels, and customer centres.
65GF Score
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