Tinde SparebankOSL:TINDE 57 FCF Margin % is 218.44% as of Mar. 2026. GuruFocus rates OSL:TINDE with a GF Score™ of 57/100 and a GF Value™ of kr98.81 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 113 Diversified Financial Services companies, Tinde Sparebank ranks better than 82.3% on this metric.
The historical rank and industry rank for Tinde Sparebank's FCF Margin % or its related term are showing as below:
OSL:TINDE'
s FCF Margin % Range Over the Past 10 Years
Min: -154.55 Med: -29.25 Max: 131.56
Current: 52.98
During the past 9 years, the highest FCF Margin % of Tinde Sparebank was 131.56%. The lowest was -154.55%. And the median was -29.25%.
OSL:TINDE's FCF Margin % is ranked better than 82.3% of 113
companies
in the Diversified Financial Services industry
Industry Median: 1.71
vs OSL:TINDE: 52.98
Tinde Sparebank FCF Margin % Related Terms
Tinde Sparebank FCF Margin % Historical Data
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The historical data trend for Tinde Sparebank'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.
For the Financial Conglomerates subindustry, Tinde 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.
Tinde Sparebank FCF Margin % vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, Tinde Sparebank's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Tinde 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.
Tinde Sparebank (OSL:TINDE) has a FCF Margin % of 218.44% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Tinde Sparebank and its competitors. According to the industry distribution chart, Tinde Sparebank ranks #20 out of 113 companies in the Diversified Financial Services industry, placing it in the top 17.7%.
Is Tinde Sparebank's FCF Margin % too high?
Tinde Sparebank's current FCF Margin % is 218.44%. The Diversified Financial Services industry median FCF Margin % is 1.71. Tinde Sparebank's value of 218.44% is 12674.3% above this industry median. Based on the distribution chart, Tinde Sparebank ranks #20 out of 113 companies in the Diversified Financial Services industry, which is in the top quartile — a strong position relative to peers. Overall, Tinde Sparebank has a GF Score™ of 57/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Tinde Sparebank's FCF Margin % compare to VOYA and FRHC?
According to the Diversified Financial Services industry distribution chart, Tinde Sparebank ranks #20 out of 113 companies for FCF Margin %. This places Tinde Sparebank in the top 18% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 1.71. Tinde Sparebank's value of 218.44% is 12674.3% above this benchmark. 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 Diversified Financial Services company?
The median FCF Margin % among Diversified Financial Services companies is 1.71, based on 113 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. Tinde Sparebank's current FCF Margin % of 218.44% is 12674.3% 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 Tinde Sparebank and its competitors. For the Diversified Financial Services industry, the median FCF Margin % is 1.71 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tinde Sparebank's current FCF Margin % is 218.44%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Tinde Sparebank stock overvalued right now?
Based on GuruFocus' analysis, Tinde Sparebank (OSL:TINDE) is currently considered Modestly Overvalued. The stock's GF Value™ is kr98.81, compared to a current price of kr113.90 — trading 15.3% above its estimated fair value. The current FCF Margin % is 218.44% and 12674.3% above the Diversified Financial Services industry median of 1.71. Tinde Sparebank's overall GF Score™ is 57/100 with 5 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 Tinde Sparebank (OSL:TINDE), the current FCF Margin % is 218.44% 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 Tinde Sparebank (OSL:TINDE) Overvalued in 2026?
Based on GuruFocus' analysis, Tinde Sparebank stock appears to be overvalued.
The current stock price of kr113.90 is trading 15.3% above its estimated GF Value™ of kr98.81.
GuruFocus considers Tinde Sparebank to be Modestly Overvalued.
Key valuation signals for OSL:TINDE:
FCF Margin %: 218.44%
GF Value™: kr98.81 vs. price of kr113.90 (15.3% above fair value)
Industry Position: 12674.3% above the Diversified Financial Services median (#20 of 113)
No single metric tells the full story. See the OSL:TINDE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Tinde Sparebank is a new savings bank with solid roots in local communities. It provides Daily banking, Insurance, loans, Savings and retirement, Tips and advice, and avoiding scams.
57GF Score
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