Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Laan & Spar Bank ASOCSE:LASP +0.36%51 FCF Margin % is 156.66% as of Mar. 2026, which is 41% above its 10-year median of 111.09. GuruFocus rates OCSE:LASP with a GF Score™ of 51/100 and a GF Value™ of kr823.19 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,502 Banks companies, Laan & Spar Bank AS ranks worse than 90.08% on this metric.
The historical data trend for Laan & Spar Bank AS's FCF Margin % 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.
Laan & Spar Bank AS FCF Margin % Competitor Comparison
For the Banks - Regional subindustry, Laan & Spar Bank AS's FCF Margin %, along with its competitors' market caps and FCF Margin % 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.
Laan & Spar Bank AS FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Laan & Spar Bank AS's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Laan & Spar Bank AS's FCF Margin % falls into.
* 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.
Laan & Spar Bank AS (OCSE:LASP) has a FCF Margin % of 156.66% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Laan & Spar Bank AS and its competitors. This is 41% above median its historical median of 111.09. According to the industry distribution chart, Laan & Spar Bank AS ranks #1353 out of 1502 companies in the Banks industry, placing it in the top 90.1%.
Is Laan & Spar Bank AS's FCF Margin % too high?
Laan & Spar Bank AS's current FCF Margin % of 156.66% is 41% above median its 10-year median of 111.09. The Banks industry median FCF Margin % is 26.12. Laan & Spar Bank AS's value of 156.66% is 499.8% above this industry median. Based on the distribution chart, Laan & Spar Bank AS ranks #1353 out of 1502 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Laan & Spar Bank AS has a GF Score™ of 51/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Laan & Spar Bank AS's FCF Margin % compare to competitors?
According to the Banks industry distribution chart, Laan & Spar Bank AS ranks #1353 out of 1502 companies for FCF Margin %. This places Laan & Spar Bank AS in the lower half of its industry. The industry median FCF Margin % is 26.12. Laan & Spar Bank AS's value of 156.66% is 499.8% above this benchmark. While the company's 10-year median is 111.09 vs. the industry median of 26.12, Laan & Spar Bank AS 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.12, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Laan & Spar Bank AS's current FCF Margin % of 156.66% is 499.8% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Laan & Spar Bank AS and its competitors. For the Banks industry, the median FCF Margin % is 26.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Laan & Spar Bank AS's current FCF Margin % is 156.66%, which is 41% above median its own 10-year median of 111.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Laan & Spar Bank AS stock overvalued right now?
Based on GuruFocus' analysis, Laan & Spar Bank AS (OCSE:LASP) is currently considered Significantly Overvalued. The stock's GF Value™ is kr823.19, compared to a current price of kr1,395.00 — trading 69.5% above its estimated fair value. The current FCF Margin % is 156.66%, which is 41% above median its 10-year median of 111.09 and 499.8% above the Banks industry median of 26.12. Laan & Spar Bank AS's overall GF Score™ is 51/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Laan & Spar Bank AS (OCSE:LASP), the current FCF Margin % is 156.66% as of Mar. 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 Laan & Spar Bank AS (OCSE:LASP) Overvalued in 2026?
Based on GuruFocus' analysis, Laan & Spar Bank AS stock appears to be overvalued.
The current stock price of kr1,395.00 is trading 69.5% above its estimated GF Value™ of kr823.19.
GuruFocus considers Laan & Spar Bank AS to be Significantly Overvalued.
Key valuation signals for OCSE:LASP:
FCF Margin %: 156.66% (41% above median its 10-year median of 111.09)
GF Value™: kr823.19 vs. price of kr1,395.00 (69.5% above fair value)
Industry Position: 499.8% above the Banks median (#1353 of 1502)
No single metric tells the full story. See the OCSE:LASP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Laan & Spar Bank AS is a bank. It is engaged in the operation of specialty banking services for household customers. The company offers deposits, car and housing loans, business loans, and mortgages; and cards. It also provides investment, and pension and insurance services; and Internet banking and payment services.
51GF Score
Get the complete analysis for OCSE:LASP
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
OCSE:LASP has been successfully added to your 
