Jaeren Sparebank (OSL:JAREN) LT-Debt-to-Total-Asset: 0.22 (As of Mar. 2026)

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OSL:JAREN Jaeren Sparebank OSL:JAREN
71 GF Score
Price kr338.95
GF Value kr335.93
Valuation Fairly Valued
! 3 Warning Signs
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What is Jaeren Sparebank LT-Debt-to-Total-Asset?

Jaeren Sparebank OSL:JAREN +0.52% 71 LT-Debt-to-Total-Asset is 0.22 as of Mar. 2026. GuruFocus rates OSL:JAREN with a GF Score™ of 71/100 and a GF Value™ of kr335.93 (Fairly Valued). The stock has 3 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. Jaeren Sparebank's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.22.

Jaeren Sparebank's long-term debt to total assets ratio increased from Mar. 2025 (0.20) to Mar. 2026 (0.22). It may suggest that Jaeren Sparebank is progressively becoming more dependent on debt to grow their business.

Jaeren Sparebank  (OSL:JAREN) 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.

Jaeren Sparebank LT-Debt-to-Total-Asset Related Terms

Jaeren Sparebank LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Jaeren Sparebank'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.

Jaeren Sparebank LT-Debt-to-Total-Asset Chart

Jaeren Sparebank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.21 0.21 0.20 0.20 0.21

Jaeren Sparebank Quarterly Data
Jun21 Sep21 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 0.20 0.21 0.22 0.21 0.22
OSL:JAREN
71GF Score
Jaeren Sparebank OSL:JAREN
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Jaeren Sparebank LT-Debt-to-Total-Asset Calculation

Jaeren Sparebank'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 )
=4427.039/20936.048
=0.21

Jaeren Sparebank'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 )
=4577.882/21203.191
=0.22

* 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 0.22 mean?
Jaeren Sparebank (OSL:JAREN) has a LT-Debt-to-Total-Asset of 0.22 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 Jaeren Sparebank and its competitors.
Is Jaeren Sparebank's LT-Debt-to-Total-Asset too high?
Jaeren Sparebank's current LT-Debt-to-Total-Asset is 0.22. Overall, Jaeren Sparebank has a GF Score™ of 71/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Jaeren Sparebank's LT-Debt-to-Total-Asset compare to competitors?
Jaeren Sparebank's LT-Debt-to-Total-Asset of 0.22 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 Jaeren Sparebank and its competitors. Jaeren Sparebank's current LT-Debt-to-Total-Asset is 0.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jaeren Sparebank stock overvalued right now?
Based on GuruFocus' analysis, Jaeren Sparebank (OSL:JAREN) is currently considered Fairly Valued. The stock's GF Value™ is kr335.93, compared to a current price of kr338.95 — trading 0.9% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.22. Jaeren Sparebank's overall GF Score™ is 71/100 with 3 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 Jaeren Sparebank (OSL:JAREN), the current LT-Debt-to-Total-Asset is 0.22 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 Jaeren Sparebank (OSL:JAREN) Overvalued in 2026?

Based on GuruFocus' analysis, Jaeren Sparebank stock appears to be overvalued. The current stock price of kr338.95 is trading 0.9% above its estimated GF Value™ of kr335.93. GuruFocus considers Jaeren Sparebank to be Fairly Valued.

Key valuation signals for OSL:JAREN:

  • LT-Debt-to-Total-Asset: 0.22
  • GF Value™: kr335.93 vs. price of kr338.95 (0.9% above fair value)
  • GF Score™: 71/100 with 3 warning signs

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

Jaeren Sparebank Business Description

Other Exchanges 0EZK:UK
Address Jaervegen 532, PO Box 53, Kleppe, NOR, 4352
Jaeren Sparebank operates as a local bank. It offers a range of financial services including loans, savings, advice, insurance and pensions to personal and corporate customers. The Bank also offers credit cards, debit cards, structured products, stock savings, mobile banking and online banking services.
71GF Score

Get the complete analysis for OSL:JAREN

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

kr338.95
Price
kr335.93
GF Value