* 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, SpareBank 1 Ringerike Hadeland'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.
SpareBank 1 Ringerike Hadeland FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, SpareBank 1 Ringerike Hadeland's FCF Margin % distribution charts can be found below:
* The bar in red indicates where SpareBank 1 Ringerike Hadeland'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.
SpareBank 1 Ringerike Hadeland (OSL:RING) has a FCF Margin % of -71.20% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on SpareBank 1 Ringerike Hadeland and its competitors. According to the industry distribution chart, SpareBank 1 Ringerike Hadeland ranks #935 out of 1506 companies in the Banks industry, placing it in the top 62.1%.
Is SpareBank 1 Ringerike Hadeland's FCF Margin % too high?
SpareBank 1 Ringerike Hadeland's current FCF Margin % is -71.20%. Based on the distribution chart, SpareBank 1 Ringerike Hadeland ranks #935 out of 1506 companies in the Banks industry, which is below the industry midpoint. Overall, SpareBank 1 Ringerike Hadeland has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does SpareBank 1 Ringerike Hadeland's FCF Margin % compare to competitors?
According to the Banks industry distribution chart, SpareBank 1 Ringerike Hadeland ranks #935 out of 1506 companies for FCF Margin %. This places SpareBank 1 Ringerike Hadeland in the lower half of its industry. The industry median FCF Margin % is 26.36. 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 26.36, based on 1,506 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 SpareBank 1 Ringerike Hadeland and its competitors. For the Banks industry, the median FCF Margin % is 26.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SpareBank 1 Ringerike Hadeland's current FCF Margin % is -71.20%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SpareBank 1 Ringerike Hadeland stock overvalued right now?
Based on GuruFocus' analysis, SpareBank 1 Ringerike Hadeland (OSL:RING) is currently considered Fairly Valued. The stock's GF Value™ is kr401.35, compared to a current price of kr432.00 — trading 7.6% above its estimated fair value. The current FCF Margin % is -71.20%. SpareBank 1 Ringerike Hadeland's overall GF Score™ is 66/100 with 8 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 SpareBank 1 Ringerike Hadeland (OSL:RING), the current FCF Margin % is -71.20% 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 SpareBank 1 Ringerike Hadeland (OSL:RING) Overvalued in 2026?
Based on GuruFocus' analysis, SpareBank 1 Ringerike Hadeland stock appears to be overvalued.
The current stock price of kr432.00 is trading 7.6% above its estimated GF Value™ of kr401.35.
GuruFocus considers SpareBank 1 Ringerike Hadeland to be Fairly Valued.
Key valuation signals for OSL:RING:
FCF Margin %: -71.20%
GF Value™: kr401.35 vs. price of kr432.00 (7.6% above fair value)
No single metric tells the full story. See the OSL:RING stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SpareBank 1 Ringerike Hadeland Business Description
SpareBank 1 Ringerike Hadeland is a savings bank in Norway offering financing, placement, payment services, pensions, and life insurance. Its business is organized into two sections, personal and corporate market. The Bank serves less self-employed, agricultural, and business class customers as well. The Bank also provides credit cards, debit cards, structured products, stock savings, mobile banking and online banking services. The company has one segment, which is lending to finance commercial property, including lending that represents the joint debt of a condominium or housing association.
66GF Score
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