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Sogn SparebankOSL:SOGN -0.03%62 EV-to-FCF is 4.82 as of Jul. 15, 2026, which is 175% above its 10-year median of 1.75. GuruFocus rates OSL:SOGN with a GF Score™ of 62/100 and a GF Value™ of kr235.39 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,196 Banks companies, Sogn Sparebank ranks better than 57.78% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Sogn Sparebank's Enterprise Value is kr675.5 Mil.
Sogn Sparebank's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was kr140.2 Mil. Therefore, Sogn Sparebank's EV-to-FCF for today is 4.82.
The historical rank and industry rank for Sogn Sparebank's EV-to-FCF or its related term are showing as below:
OSL:SOGN'
s EV-to-FCF Range Over the Past 10 Years
Min: -90.36 Med: 1.75 Max: 1718.29
Current: 4.8
During the past 13 years, the highest EV-to-FCF of Sogn Sparebank was 1718.29. The lowest was -90.36. And the median was 1.75.
OSL:SOGN's EV-to-FCF is ranked better than 57.78% of 1196
companies
in the Banks industry
Industry Median: 6.575
vs OSL:SOGN: 4.80
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.
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.
Sogn Sparebank's PE Ratio (TTM) for today is calculated as:
Sogn Sparebank's share price for today is kr322.90.
Sogn 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 kr109.611.
* 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.
Sogn Sparebank EV-to-FCF Related Terms
Sogn Sparebank EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Sogn Sparebank's EV-to-FCF 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, Sogn 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.
Sogn Sparebank EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Sogn Sparebank's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Sogn Sparebank's EV-to-FCF falls into.
Sogn Sparebank's current Enterprise Value is kr675.5 Mil.
Sogn 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 kr140.2 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.
Sogn Sparebank (OSL:SOGN) has a EV-to-FCF of 4.82 as of Jul. 15, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Sogn Sparebank and its competitors. This is 175% above median its historical median of 1.75. According to the industry distribution chart, Sogn Sparebank ranks #505 out of 1196 companies in the Banks industry, placing it in the top 42.2%.
Is Sogn Sparebank's EV-to-FCF too high?
Sogn Sparebank's current EV-to-FCF of 4.82 is 175% above median its 10-year median of 1.75. The Banks industry median EV-to-FCF is 6.58. Sogn Sparebank's value of 4.82 is 26.7% below this industry median. Based on the distribution chart, Sogn Sparebank ranks #505 out of 1196 companies in the Banks industry, which is above the industry midpoint. Overall, Sogn Sparebank has a GF Score™ of 62/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sogn Sparebank's EV-to-FCF compare to competitors?
According to the Banks industry distribution chart, Sogn Sparebank ranks #505 out of 1196 companies for EV-to-FCF. This puts Sogn Sparebank in the upper half of its industry. The industry median EV-to-FCF is 6.58. Sogn Sparebank's value of 4.82 is 26.7% below this benchmark. While the company's 10-year median is 1.75 vs. the industry median of 6.58, Sogn Sparebank 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.58, based on 1,196 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. Sogn Sparebank's current EV-to-FCF of 4.82 is 26.7% 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 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 Sogn Sparebank and its competitors. For the Banks industry, the median EV-to-FCF is 6.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sogn Sparebank's current EV-to-FCF is 4.82, which is 175% above median its own 10-year median of 1.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sogn Sparebank stock overvalued right now?
Based on GuruFocus' analysis, Sogn Sparebank (OSL:SOGN) is currently considered Significantly Overvalued. The stock's GF Value™ is kr235.39, compared to a current price of kr322.90 — trading 37.2% above its estimated fair value. The current EV-to-FCF is 4.82, which is 175% above median its 10-year median of 1.75 and 26.7% below the Banks industry median of 6.58. Sogn Sparebank's overall GF Score™ is 62/100 with 3 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 Sogn Sparebank (OSL:SOGN), the current EV-to-FCF is 4.82 as of Jul. 15, 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 Sogn Sparebank (OSL:SOGN) Overvalued in 2026?
Based on GuruFocus' analysis, Sogn Sparebank stock appears to be overvalued.
The current stock price of kr322.90 is trading 37.2% above its estimated GF Value™ of kr235.39.
GuruFocus considers Sogn Sparebank to be Significantly Overvalued.
Key valuation signals for OSL:SOGN:
EV-to-FCF: 4.82 (175% above median its 10-year median of 1.75)
GF Value™: kr235.39 vs. price of kr322.90 (37.2% above fair value)
Industry Position: 26.7% below the Banks median (#505 of 1196)
No single metric tells the full story. See the OSL:SOGN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sogn Sparebank operates as a local 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.
62GF Score
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