Bien Sparebank ASA (OSL:BIEN) LT-Debt-to-Total-Asset: 0.21 (As of Mar. 2026)

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OSL:BIEN Bien Sparebank ASA OSL:BIEN
67 GF Score
Price kr146.00
GF Value kr135.84
Valuation Fairly Valued
! 2 Warning Signs
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What is Bien Sparebank ASA LT-Debt-to-Total-Asset?

Bien Sparebank ASA OSL:BIEN +1.39% 67 LT-Debt-to-Total-Asset is 0.21 as of Mar. 2026. GuruFocus rates OSL:BIEN with a GF Score™ of 67/100 and a GF Value™ of kr135.84 (Fairly Valued). The stock has 2 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Bien Sparebank ASA's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.21.

Bien Sparebank ASA's long-term debt to total assets ratio increased from Mar. 2025 (0.21) to Mar. 2026 (0.21). It may suggest that Bien Sparebank ASA is progressively becoming more dependent on debt to grow their business.

Bien Sparebank ASA  (OSL:BIEN) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Bien Sparebank ASA LT-Debt-to-Total-Asset Related Terms

Bien Sparebank ASA LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Bien Sparebank ASA's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Bien Sparebank ASA Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial 0.18 0.19 0.20 0.20 0.23

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
LT-Debt-to-Total-Asset 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 0.21 0.22 0.21 0.23 0.21
OSL:BIEN
67GF Score
Bien Sparebank ASA OSL:BIEN
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Bien Sparebank ASA LT-Debt-to-Total-Asset Calculation

Bien Sparebank ASA's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )/Total Assets (A: Dec. 2025 )
=1397.944/6132.678
=0.23

Bien Sparebank ASA's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )/Total Assets (Q: Mar. 2026 )
=1359.374/6345.584
=0.21

* 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 LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.21 mean?
Bien Sparebank ASA (OSL:BIEN) has a LT-Debt-to-Total-Asset of 0.21 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Bien Sparebank ASA and its competitors.
Is Bien Sparebank ASA's LT-Debt-to-Total-Asset too high?
Bien Sparebank ASA's current LT-Debt-to-Total-Asset is 0.21. 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 LT-Debt-to-Total-Asset compare to competitors?
Bien Sparebank ASA's LT-Debt-to-Total-Asset of 0.21 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 LT-Debt-to-Total-Asset for a Banks company?
A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Bien Sparebank ASA and its competitors. Bien Sparebank ASA's current LT-Debt-to-Total-Asset is 0.21. 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 kr135.84, compared to a current price of kr146.00 — trading 7.5% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.21. 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 LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Bien Sparebank ASA (OSL:BIEN), the current LT-Debt-to-Total-Asset is 0.21 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 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 kr146.00 is trading 7.5% above its estimated GF Value™ of kr135.84. GuruFocus considers Bien Sparebank ASA to be Fairly Valued.

Key valuation signals for OSL:BIEN:

  • LT-Debt-to-Total-Asset: 0.21
  • GF Value™: kr135.84 vs. price of kr146.00 (7.5% 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

LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

kr146.00
Price
kr135.84
GF Value