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EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Holand og Setskog Sparebank's Enterprise Value is kr2,599.4 Mil.
Holand og Setskog Sparebank's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was kr279.5 Mil. Therefore, Holand og Setskog Sparebank's EV-to-FCF for today is 9.30.
The historical rank and industry rank for Holand og Setskog Sparebank's EV-to-FCF or its related term are showing as below:
OSL:HSPG'
s EV-to-FCF Range Over the Past 10 Years
Min: -36.14 Med: -4.12 Max: 248.95
Current: 9.3
During the past 13 years, the highest EV-to-FCF of Holand og Setskog Sparebank was 248.95. The lowest was -36.14. And the median was -4.12.
OSL:HSPG's EV-to-FCF is ranked worse than 58.22% of 1192
companies
in the Banks industry
Industry Median: 6.68
vs OSL:HSPG: 9.30
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Holand og Setskog Sparebank (OSL:HSPG) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Holand og Setskog Sparebank's PE Ratio (TTM) for today is calculated as:
Holand og Setskog Sparebank's share price for today is kr145.30.
Holand og Setskog Sparebank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was kr5.080.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Holand og Setskog Sparebank EV-to-FCF Related Terms
Holand og Setskog Sparebank EV-to-FCF 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, Holand og Setskog Sparebank's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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.
Holand og Setskog Sparebank EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Holand og Setskog Sparebank's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Holand og Setskog Sparebank's EV-to-FCF falls into.
Holand og Setskog Sparebank's current Enterprise Value is kr2,599.4 Mil.
Holand og Setskog Sparebank's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was kr279.5 Mil.
* 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.
Holand og Setskog Sparebank (OSL:HSPG) has a EV-to-FCF of 9.30 as of Jul. 24, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Holand og Setskog Sparebank and its competitors. According to the industry distribution chart, Holand og Setskog Sparebank ranks #694 out of 1192 companies in the Banks industry, placing it in the top 58.2%.
Is Holand og Setskog Sparebank's EV-to-FCF too high?
Holand og Setskog Sparebank's current EV-to-FCF is 9.30. The Banks industry median EV-to-FCF is 6.68. Holand og Setskog Sparebank's value of 9.30 is 39.2% above this industry median. Based on the distribution chart, Holand og Setskog Sparebank ranks #694 out of 1192 companies in the Banks industry, which is below the industry midpoint. Overall, Holand og Setskog Sparebank has a GF Score™ of 53/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Holand og Setskog Sparebank's EV-to-FCF compare to PNC and USB?
According to the Banks industry distribution chart, Holand og Setskog Sparebank ranks #694 out of 1192 companies for EV-to-FCF. This places Holand og Setskog Sparebank in the lower half of its industry. The industry median EV-to-FCF is 6.68. Holand og Setskog Sparebank's value of 9.30 is 39.2% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.68, based on 1,192 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Holand og Setskog Sparebank's current EV-to-FCF of 9.30 is 39.2% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Holand og Setskog Sparebank and its competitors. For the Banks industry, the median EV-to-FCF is 6.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Holand og Setskog Sparebank's current EV-to-FCF is 9.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Holand og Setskog Sparebank stock overvalued right now?
Based on GuruFocus' analysis, Holand og Setskog Sparebank (OSL:HSPG) is currently considered Fairly Valued. The stock's GF Value™ is kr139.88, compared to a current price of kr145.30 — trading 3.9% above its estimated fair value. The current EV-to-FCF is 9.30 and 39.2% above the Banks industry median of 6.68. Holand og Setskog Sparebank's overall GF Score™ is 53/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Holand og Setskog Sparebank (OSL:HSPG), the current EV-to-FCF is 9.30 as of Jul. 24, 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 Holand og Setskog Sparebank (OSL:HSPG) Overvalued in 2026?
Based on GuruFocus' analysis, Holand og Setskog Sparebank stock appears to be overvalued.
The current stock price of kr145.30 is trading 3.9% above its estimated GF Value™ of kr139.88.
GuruFocus considers Holand og Setskog Sparebank to be Fairly Valued.
Key valuation signals for OSL:HSPG:
EV-to-FCF: 9.30
GF Value™: kr139.88 vs. price of kr145.30 (3.9% above fair value)
Industry Position: 39.2% above the Banks median (#694 of 1192)
No single metric tells the full story. See the OSL:HSPG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Holand og Setskog Sparebank operates as a savings 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.
53GF Score
Get the complete analysis for OSL:HSPG
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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