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Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. SpareBank 1 Ringerike Hadeland's Total Liabilities for the quarter that ended in Mar. 2026 was kr28,251 Mil. SpareBank 1 Ringerike Hadeland's Total Assets for the quarter that ended in Mar. 2026 was kr33,246 Mil.
Therefore, SpareBank 1 Ringerike Hadeland's Liabilities-to-Assets Ratio for the quarter that ended in Mar. 2026 was 0.85.
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.
SpareBank 1 Ringerike Hadeland Liabilities-to-Assets Related Terms
SpareBank 1 Ringerike Hadeland Liabilities-to-Assets Historical Data
* 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 Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets 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 Liabilities-to-Assets vs Banks Industry
For the Banks industry and Financial Services sector, SpareBank 1 Ringerike Hadeland's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where SpareBank 1 Ringerike Hadeland's Liabilities-to-Assets falls into.
Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.
SpareBank 1 Ringerike Hadeland's Liabilities-to-Assets Ratio for the fiscal year that ended in Dec. 2025 is calculated as:
* 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 Liabilities-to-Assets of 0.85 as of Mar. 2026. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on SpareBank 1 Ringerike Hadeland and its competitors.
Is SpareBank 1 Ringerike Hadeland's Liabilities-to-Assets too high?
SpareBank 1 Ringerike Hadeland's current Liabilities-to-Assets is 0.85. Overall, SpareBank 1 Ringerike Hadeland has a GF Score™ of 75/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does SpareBank 1 Ringerike Hadeland's Liabilities-to-Assets compare to competitors?
SpareBank 1 Ringerike Hadeland's Liabilities-to-Assets of 0.85 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Liabilities-to-Assets for a Banks company?
A good Liabilities-to-Assets depends on the Banks industry context. However, Liabilities-to-Assets 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 Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on SpareBank 1 Ringerike Hadeland and its competitors. SpareBank 1 Ringerike Hadeland's current Liabilities-to-Assets is 0.85. 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 kr404.74, compared to a current price of kr437.00 — trading 8% above its estimated fair value. The current Liabilities-to-Assets is 0.85. SpareBank 1 Ringerike Hadeland's overall GF Score™ is 75/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For SpareBank 1 Ringerike Hadeland (OSL:RING), the current Liabilities-to-Assets is 0.85 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 kr437.00 is trading 8% above its estimated GF Value™ of kr404.74.
GuruFocus considers SpareBank 1 Ringerike Hadeland to be Fairly Valued.
Key valuation signals for OSL:RING:
Liabilities-to-Assets: 0.85
GF Value™: kr404.74 vs. price of kr437.00 (8% 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 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.
75GF Score
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