Bien Sparebank ASA (OSL:BIEN) FCF Yield %: -1.68 (As of Jul. 13, 2026)

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OSL:BIEN Bien Sparebank ASA OSL:BIEN
67 GF Score
Price kr142.00
GF Value kr132.92
Valuation Fairly Valued
! 2 Warning Signs
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What is Bien Sparebank ASA FCF Yield %?

Bien Sparebank ASA OSL:BIEN -2.07% 67 FCF Yield % is -1.68 as of Jul. 13, 2026. GuruFocus rates OSL:BIEN with a GF Score™ of 67/100 and a GF Value™ of kr132.92 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,506 Banks companies, Bien Sparebank ASA ranks worse than 76.36% on this metric.

FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.

As of today, Bien Sparebank ASA's Trailing 12-Month Free Cash Flow is kr-13.6 Mil, and Market Cap is kr806.6 Mil. Therefore, Bien Sparebank ASA's FCF Yield % for today is -1.68%.

The historical rank and industry rank for Bien Sparebank ASA's FCF Yield % or its related term are showing as below:

OSL:BIEN' s FCF Yield % Range Over the Past 10 Years
Min: -37.01   Med: -1.54   Max: 16.59
Current: -1.68


During the past 7 years, the highest FCF Yield % of Bien Sparebank ASA was 16.59%. The lowest was -37.01%. And the median was -1.54%.

OSL:BIEN's FCF Yield % is ranked worse than
76.36% of 1506 companies
in the Banks industry
Industry Median: 8.1 vs OSL:BIEN: -1.68

Bien Sparebank ASA's FCF Margin % for the quarter that ended in Mar. 2026 was 431.19%.


Bien Sparebank ASA FCF Yield % Explanation

Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.


Bien Sparebank ASA FCF Yield % Related Terms


Bien Sparebank ASA FCF Yield % Historical Data

* Premium members only.

The historical data trend for Bien Sparebank ASA's FCF Yield % 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.

Bien Sparebank ASA FCF Yield % Chart

Bien Sparebank ASA Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Yield %
Get a 7-Day Free Trial 0.00 16.23 -34.54 3.77 -16.54

Bien Sparebank ASA Quarterly Data
Dec20 Mar21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
FCF Yield % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 8.78 15.47 -34.31 -59.18 73.92

Bien Sparebank ASA FCF Yield % Competitor Comparison

For the Banks - Regional subindustry, Bien Sparebank ASA's FCF Yield %, along with its competitors' market caps and FCF Yield % 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.


Bien Sparebank ASA FCF Yield % vs Banks Industry

For the Banks industry and Financial Services sector, Bien Sparebank ASA's FCF Yield % distribution charts can be found below:

* The bar in red indicates where Bien Sparebank ASA's FCF Yield % falls into.


OSL:BIEN
67GF Score
Bien Sparebank ASA OSL:BIEN
FCF Yield % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Bien Sparebank ASA FCF Yield % Calculation

FCF Yield % is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.

Bien Sparebank ASA's FCF Yield % for the fiscal year that ended in Dec. 2025 is calculated as

FCF Yield %=Free Cash Flow / Market Cap
=-154.987 / 937.2
=-16.54%

Bien Sparebank ASA's annualized FCF Yield % for the quarter that ended in Mar. 2026 is calculated as

FCF Yield %=Free Cash Flow * Annualized Factor / Market Cap
=161.646 * 4 / 874.72
=73.92%

* 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.

Frequently Asked Questions Learn more about FCF Yield % →
What does a FCF Yield % of -1.68 mean?
Bien Sparebank ASA (OSL:BIEN) has a FCF Yield % of -1.68 as of Jul. 13, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Bien Sparebank ASA and its competitors. According to the industry distribution chart, Bien Sparebank ASA ranks #1150 out of 1506 companies in the Banks industry, placing it in the top 76.4%.
Is Bien Sparebank ASA's FCF Yield % too high?
Bien Sparebank ASA's current FCF Yield % is -1.68. Based on the distribution chart, Bien Sparebank ASA ranks #1150 out of 1506 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Bien Sparebank ASA has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Bien Sparebank ASA's FCF Yield % compare to competitors?
According to the Banks industry distribution chart, Bien Sparebank ASA ranks #1150 out of 1506 companies for FCF Yield %. This places Bien Sparebank ASA in the lower half of its industry. The industry median FCF Yield % is 8.10. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.10, based on 1,506 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % 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 Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Bien Sparebank ASA and its competitors. For the Banks industry, the median FCF Yield % is 8.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bien Sparebank ASA's current FCF Yield % is -1.68. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bien Sparebank ASA stock overvalued right now?
Based on GuruFocus' analysis, Bien Sparebank ASA (OSL:BIEN) is currently considered Fairly Valued. The stock's GF Value™ is kr132.92, compared to a current price of kr142.00 — trading 6.8% above its estimated fair value. The current FCF Yield % is -1.68. Bien Sparebank ASA's overall GF Score™ is 67/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Bien Sparebank ASA (OSL:BIEN), the current FCF Yield % is -1.68 as of Jul. 13, 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 Bien Sparebank ASA (OSL:BIEN) Overvalued in 2026?

Based on GuruFocus' analysis, Bien Sparebank ASA stock appears to be overvalued. The current stock price of kr142.00 is trading 6.8% above its estimated GF Value™ of kr132.92. GuruFocus considers Bien Sparebank ASA to be Fairly Valued.

Key valuation signals for OSL:BIEN:

  • FCF Yield %: -1.68
  • GF Value™: kr132.92 vs. price of kr142.00 (6.8% above fair value)
  • GF Score™: 67/100 with 2 warning signs

No single metric tells the full story. See the OSL:BIEN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Bien Sparebank ASA Business Description

Other Exchanges JX0:Germany
Address Dronning Mauds gate 11, Oslo, NOR, 0250
Bien Sparebank ASA is a independent savings bank. It is a close and accessible bank for individuals and businesses in the Oslo area. The company offers various services namely daily banking, saving, pension, insurance and others.
67GF Score

Get the complete analysis for OSL:BIEN

FCF Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

kr142.00
Price
kr132.92
GF Value