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* 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 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.
Holand og Setskog Sparebank FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Holand og Setskog Sparebank's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Holand og Setskog Sparebank'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.
Holand og Setskog Sparebank (OSL:HSPG) has a FCF Margin % of -217.47% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Holand og Setskog Sparebank and its competitors. According to the industry distribution chart, Holand og Setskog Sparebank ranks #1236 out of 1493 companies in the Banks industry, placing it in the top 82.8%.
Is Holand og Setskog Sparebank's FCF Margin % too high?
Holand og Setskog Sparebank's current FCF Margin % is -217.47%. Based on the distribution chart, Holand og Setskog Sparebank ranks #1236 out of 1493 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Holand og Setskog Sparebank has a GF Score™ of 50/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Holand og Setskog Sparebank's FCF Margin % compare to USB and PNC?
According to the Banks industry distribution chart, Holand og Setskog Sparebank ranks #1236 out of 1493 companies for FCF Margin %. This places Holand og Setskog Sparebank in the lower half of its industry. The industry median FCF Margin % is 27.35. 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 27.35, based on 1,493 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. 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 Holand og Setskog Sparebank and its competitors. For the Banks industry, the median FCF Margin % is 27.35 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Holand og Setskog Sparebank's current FCF Margin % is -217.47%. 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 kr142.07, compared to a current price of kr130.88 — trading 7.9% below its estimated fair value. The current FCF Margin % is -217.47%. Holand og Setskog Sparebank's overall GF Score™ is 50/100 with 3 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 Holand og Setskog Sparebank (OSL:HSPG), the current FCF Margin % is -217.47% 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 Holand og Setskog Sparebank (OSL:HSPG) Overvalued in 2026?
Based on GuruFocus' analysis, Holand og Setskog Sparebank stock appears to be undervalued.
The current stock price of kr130.88 is trading 7.9% below its estimated GF Value™ of kr142.07.
GuruFocus considers Holand og Setskog Sparebank to be Fairly Valued.
Key valuation signals for OSL:HSPG:
FCF Margin %: -217.47%
GF Value™: kr142.07 vs. price of kr130.88 (7.9% below fair value)
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.
50GF Score
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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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