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Sparebanken NorgeSPIZF 62 Equity-to-Asset is 0.09 as of Jun. 2026, which is 13% above its 10-year median of 0.08. GuruFocus rates SPIZF with a GF Score™ of 62/100 and a GF Value™ of $18.15 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,525 Banks companies, Sparebanken Norge ranks worse than 55.74% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Sparebanken Norge's Total Stockholders Equity for the quarter that ended in Jun. 2026 was $5,479 Mil. Sparebanken Norge's Total Assets for the quarter that ended in Jun. 2026 was $62,517 Mil.
Therefore, Sparebanken Norge's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.09.
The historical rank and industry rank for Sparebanken Norge's Equity-to-Asset or its related term are showing as below:
SPIZF'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07 Med: 0.08 Max: 0.09
Current: 0.09
During the past 13 years, the highest Equity to Asset Ratio of Sparebanken Norge was 0.09. The lowest was 0.07. And the median was 0.08.
SPIZF's Equity-to-Asset is ranked worse than 55.74% of 1525
companies
in the Banks industry
Industry Median: 0.1
vs SPIZF: 0.09
Sparebanken Norge (OTCPK:SPIZF) Equity-to-Asset Explanation
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%.
Sparebanken Norge Equity-to-Asset Related Terms
Sparebanken Norge Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Sparebanken Norge's Equity-to-Asset 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.
Sparebanken Norge Equity-to-Asset Competitor Comparison
For the Banks - Regional subindustry, Sparebanken Norge'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.
Sparebanken Norge Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Sparebanken Norge's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Sparebanken Norge'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.
Sparebanken Norge's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Norge (SPIZF) has a Equity-to-Asset of 0.09 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Sparebanken Norge and its competitors. This is 13% above median its historical median of 0.08. Over the past decade, Sparebanken Norge's Equity-to-Asset has ranged from 0.07 to 0.09. According to the industry distribution chart, Sparebanken Norge ranks #850 out of 1525 companies in the Banks industry, placing it in the top 55.7%.
Is Sparebanken Norge's Equity-to-Asset too high?
Sparebanken Norge's current Equity-to-Asset of 0.09 is 13% above median its 10-year median of 0.08. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.09. The Banks industry median Equity-to-Asset is 0.10. Sparebanken Norge's value of 0.09 is 10% below this industry median. Based on the distribution chart, Sparebanken Norge ranks #850 out of 1525 companies in the Banks industry, which is below the industry midpoint. Overall, Sparebanken Norge has a GF Score™ of 62/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Sparebanken Norge's Equity-to-Asset compare to competitors?
According to the Banks industry distribution chart, Sparebanken Norge ranks #850 out of 1525 companies for Equity-to-Asset. This places Sparebanken Norge in the lower half of its industry. The industry median Equity-to-Asset is 0.10. Sparebanken Norge's value of 0.09 is 10% below this benchmark. Historically, Sparebanken Norge's own Equity-to-Asset has ranged from 0.07 to 0.09 over the past decade. While the company's 10-year median is 0.08 vs. the industry median of 0.10, Sparebanken Norge 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,525 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. Sparebanken Norge's current Equity-to-Asset of 0.09 is 10% 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 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 Sparebanken Norge 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. Sparebanken Norge's current Equity-to-Asset is 0.09, which is 13% above median its own 10-year median of 0.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sparebanken Norge stock overvalued right now?
Based on GuruFocus' analysis, Sparebanken Norge (SPIZF) is currently considered Fairly Valued. The stock's GF Value™ is $18.15, compared to a current price of $19.80 — trading 9.1% above its estimated fair value. The current Equity-to-Asset is 0.09, which is 13% above median its 10-year median of 0.08 and 10% below the Banks industry median of 0.10. Sparebanken Norge's overall GF Score™ is 62/100 with 6 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 Sparebanken Norge (SPIZF), the current Equity-to-Asset is 0.09 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 Norge (SPIZF) Overvalued in 2026?
Based on GuruFocus' analysis, Sparebanken Norge stock appears to be overvalued.
The current stock price of $19.80 is trading 9.1% above its estimated GF Value™ of $18.15.
GuruFocus considers Sparebanken Norge to be Fairly Valued.
Key valuation signals for SPIZF:
Equity-to-Asset: 0.09 (13% above median its 10-year median of 0.08)
GF Value™: $18.15 vs. price of $19.80 (9.1% above fair value)
Industry Position: 10% below the Banks median (#850 of 1525)
No single metric tells the full story. See the SPIZF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sparebanken Norge is a financial services company engaged in providing banking services. In addition, the Group delivers a wide range of banking services across savings, investments, payments, and insurance, as well as digital self-service solutions and personal advisory services, both in person and online. The group operates in five reportable segments: Corporate Market, Retail Market, Bulder, Estate Agency, and Brage Finans. The majority of its revenue is generated from the Retail market segment.
62GF Score
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