Sparebanken NorgeSPIZF 62 EV-to-FCF is 39.63 as of Jun. 29, 2026, which is 36% below its 10-year median of 61.51. GuruFocus rates SPIZF with a GF Score™ of 62/100 and a GF Value™ of $18.08 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,196 Banks companies, Sparebanken Norge ranks worse than 91.3% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Sparebanken Norge's Enterprise Value is $32,995 Mil.
Sparebanken Norge's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $833 Mil. Therefore, Sparebanken Norge's EV-to-FCF for today is 39.63.
The historical rank and industry rank for Sparebanken Norge's EV-to-FCF or its related term are showing as below:
SPIZF'
s EV-to-FCF Range Over the Past 10 Years
Min: 30.27 Med: 61.51 Max: 209.27
Current: 38.22
During the past 13 years, the highest EV-to-FCF of Sparebanken Norge was 209.27. The lowest was 30.27. And the median was 61.51.
SPIZF's EV-to-FCF is ranked worse than 91.3% of 1196
companies
in the Banks industry
Industry Median: 6.555
vs SPIZF: 38.22
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.
Sparebanken Norge (OTCPK:SPIZF) 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.
Sparebanken Norge's PE Ratio (TTM) for today is calculated as:
Sparebanken Norge's share price for today is $20.00.
Sparebanken Norge'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 $2.248.
* 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.
Sparebanken Norge EV-to-FCF Related Terms
Sparebanken Norge EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Sparebanken Norge'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, Sparebanken Norge'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.
Sparebanken Norge EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Sparebanken Norge's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Sparebanken Norge's EV-to-FCF falls into.
Sparebanken Norge's current Enterprise Value is $32,995 Mil.
Sparebanken Norge'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 $833 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.
Sparebanken Norge (SPIZF) has a EV-to-FCF of 39.63 as of Jun. 29, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Sparebanken Norge and its competitors. This is 36% below median its historical median of 61.51. Over the past decade, Sparebanken Norge's EV-to-FCF has ranged from 30.27 to 209.27. According to the industry distribution chart, Sparebanken Norge ranks #1092 out of 1196 companies in the Banks industry, placing it in the top 91.3%.
Is Sparebanken Norge's EV-to-FCF too high?
Sparebanken Norge's current EV-to-FCF of 39.63 is 36% below median its 10-year median of 61.51. Over the past 10 years, this metric has ranged from a low of 30.27 to a high of 209.27. The Banks industry median EV-to-FCF is 6.56. Sparebanken Norge's value of 39.63 is 504.6% above this industry median. Based on the distribution chart, Sparebanken Norge ranks #1092 out of 1196 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Sparebanken Norge has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sparebanken Norge's EV-to-FCF compare to competitors?
According to the Banks industry distribution chart, Sparebanken Norge ranks #1092 out of 1196 companies for EV-to-FCF. This places Sparebanken Norge in the lower half of its industry. The industry median EV-to-FCF is 6.56. Sparebanken Norge's value of 39.63 is 504.6% above this benchmark. Historically, Sparebanken Norge's own EV-to-FCF has ranged from 30.27 to 209.27 over the past decade. While the company's 10-year median is 61.51 vs. the industry median of 6.56, Sparebanken Norge 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.56, 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. Sparebanken Norge's current EV-to-FCF of 39.63 is 504.6% 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 Sparebanken Norge and its competitors. For the Banks industry, the median EV-to-FCF is 6.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sparebanken Norge's current EV-to-FCF is 39.63, which is 36% below median its own 10-year median of 61.51. 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 Modestly Overvalued. The stock's GF Value™ is $18.08, compared to a current price of $20.00 — trading 10.6% above its estimated fair value. The current EV-to-FCF is 39.63, which is 36% below median its 10-year median of 61.51 and 504.6% above the Banks industry median of 6.56. Sparebanken Norge's overall GF Score™ is 62/100 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 Sparebanken Norge (SPIZF), the current EV-to-FCF is 39.63 as of Jun. 29, 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 $20.00 is trading 10.6% above its estimated GF Value™ of $18.08.
GuruFocus considers Sparebanken Norge to be Modestly Overvalued.
Key valuation signals for SPIZF:
EV-to-FCF: 39.63 (36% below median its 10-year median of 61.51)
GF Value™: $18.08 vs. price of $20.00 (10.6% above fair value)
Industry Position: 504.6% above the Banks median (#1092 of 1196)
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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