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Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
SpareBank 1 Ringerike Hadeland Equity-to-Asset Related Terms
SpareBank 1 Ringerike Hadeland Equity-to-Asset Historical Data
* 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 Ringerike Hadeland's Equity-to-Asset, along with its competitors' market caps and Equity-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.
SpareBank 1 Ringerike Hadeland Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, SpareBank 1 Ringerike Hadeland's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where SpareBank 1 Ringerike Hadeland's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
* 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 Ringerike Hadeland (OSL:RING) has a Equity-to-Asset of 0.16 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on SpareBank 1 Ringerike Hadeland and its competitors. This is near median its historical median of 0.15. Over the past decade, SpareBank 1 Ringerike Hadeland's Equity-to-Asset has ranged from 0.13 to 0.17. According to the industry distribution chart, SpareBank 1 Ringerike Hadeland ranks #159 out of 1524 companies in the Banks industry, placing it in the top 10.4%.
Is SpareBank 1 Ringerike Hadeland's Equity-to-Asset too high?
SpareBank 1 Ringerike Hadeland's current Equity-to-Asset of 0.16 is near median its 10-year median of 0.15. Over the past 10 years, this metric has ranged from a low of 0.13 to a high of 0.17. The Banks industry median Equity-to-Asset is 0.10. SpareBank 1 Ringerike Hadeland's value of 0.16 is 60% above this industry median. Based on the distribution chart, SpareBank 1 Ringerike Hadeland ranks #159 out of 1524 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, SpareBank 1 Ringerike Hadeland has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SpareBank 1 Ringerike Hadeland's Equity-to-Asset compare to competitors?
According to the Banks industry distribution chart, SpareBank 1 Ringerike Hadeland ranks #159 out of 1524 companies for Equity-to-Asset. This places SpareBank 1 Ringerike Hadeland in the top 10% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. SpareBank 1 Ringerike Hadeland's value of 0.16 is 60% above this benchmark. Historically, SpareBank 1 Ringerike Hadeland's own Equity-to-Asset has ranged from 0.13 to 0.17 over the past decade. While the company's 10-year median is 0.15 vs. the industry median of 0.10, SpareBank 1 Ringerike Hadeland 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SpareBank 1 Ringerike Hadeland's current Equity-to-Asset of 0.16 is 60% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on SpareBank 1 Ringerike Hadeland and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SpareBank 1 Ringerike Hadeland's current Equity-to-Asset is 0.16, which is near median its own 10-year median of 0.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SpareBank 1 Ringerike Hadeland stock overvalued right now?
Based on GuruFocus' analysis, SpareBank 1 Ringerike Hadeland (OSL:RING) is currently considered Modestly Overvalued. The stock's GF Value™ is kr391.18, compared to a current price of kr446.60 — trading 14.2% above its estimated fair value. The current Equity-to-Asset is 0.16, which is near median its 10-year median of 0.15 and 60% above the Banks industry median of 0.10. SpareBank 1 Ringerike Hadeland's overall GF Score™ is 62/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For SpareBank 1 Ringerike Hadeland (OSL:RING), the current Equity-to-Asset is 0.16 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 SpareBank 1 Ringerike Hadeland (OSL:RING) Overvalued in 2026?
Based on GuruFocus' analysis, SpareBank 1 Ringerike Hadeland stock appears to be overvalued.
The current stock price of kr446.60 is trading 14.2% above its estimated GF Value™ of kr391.18.
GuruFocus considers SpareBank 1 Ringerike Hadeland to be Modestly Overvalued.
Key valuation signals for OSL:RING:
Equity-to-Asset: 0.16 (near median its 10-year median of 0.15)
GF Value™: kr391.18 vs. price of kr446.60 (14.2% above fair value)
Industry Position: 60% above the Banks median (#159 of 1524)
No single metric tells the full story. See the OSL:RING stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SpareBank 1 Ringerike Hadeland is a savings bank in Norway offering financing, placement, payment services, pensions, and life insurance. Its business is organized into two sections, personal and corporate market. The Bank serves less self-employed, agricultural, and business class customers as well. The Bank also provides credit cards, debit cards, structured products, stock savings, mobile banking and online banking services. The company has one segment, which is lending to finance commercial property, including lending that represents the joint debt of a condominium or housing association.
62GF Score
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