SpareBank 1 Ringerike Hadeland (OSL:RING) LT-Debt-to-Total-Asset: 0.14 (As of Mar. 2026)

What is SpareBank 1 Ringerike Hadeland LT-Debt-to-Total-Asset?

SpareBank 1 Ringerike Hadeland OSL:RING -0.46% 66 LT-Debt-to-Total-Asset is 0.14 as of Mar. 2026. GuruFocus rates OSL:RING with a GF Score™ of 66/100 and a GF Value™ of kr401.35 (Fairly Valued). The stock has 8 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. SpareBank 1 Ringerike Hadeland's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.14.

SpareBank 1 Ringerike Hadeland's long-term debt to total assets ratio declined from Mar. 2025 (0.14) to Mar. 2026 (0.14). It may suggest that SpareBank 1 Ringerike Hadeland is progressively becoming less dependent on debt to grow their business.

SpareBank 1 Ringerike Hadeland (OSL:RING) 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.

SpareBank 1 Ringerike Hadeland LT-Debt-to-Total-Asset Related Terms

SpareBank 1 Ringerike Hadeland LT-Debt-to-Total-Asset Historical Data

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The historical data trend for SpareBank 1 Ringerike Hadeland'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.

SpareBank 1 Ringerike Hadeland LT-Debt-to-Total-Asset Chart

SpareBank 1 Ringerike Hadeland Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.20

0.19

0.15

0.13

SpareBank 1 Ringerike Hadeland 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															0.14	0.14	0.14	0.13	0.14

66GF Score

SpareBank 1 Ringerike Hadeland OSL:RING

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SpareBank 1 Ringerike Hadeland LT-Debt-to-Total-Asset Calculation

SpareBank 1 Ringerike Hadeland'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 )
	=	4391	/	32744
	=	0.13

SpareBank 1 Ringerike Hadeland'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 )
	=	4606	/	33246
	=	0.14

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.14 mean?

SpareBank 1 Ringerike Hadeland (OSL:RING) has a LT-Debt-to-Total-Asset of 0.14 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 SpareBank 1 Ringerike Hadeland and its competitors.

Is SpareBank 1 Ringerike Hadeland's LT-Debt-to-Total-Asset too high?

SpareBank 1 Ringerike Hadeland's current LT-Debt-to-Total-Asset is 0.14. Overall, SpareBank 1 Ringerike Hadeland has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.

How does SpareBank 1 Ringerike Hadeland's LT-Debt-to-Total-Asset compare to competitors?

SpareBank 1 Ringerike Hadeland's LT-Debt-to-Total-Asset of 0.14 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 SpareBank 1 Ringerike Hadeland and its competitors. SpareBank 1 Ringerike Hadeland's current LT-Debt-to-Total-Asset is 0.14. 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 kr401.35, compared to a current price of kr432.00 — trading 7.6% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.14. SpareBank 1 Ringerike Hadeland's overall GF Score™ is 66/100 with 8 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 SpareBank 1 Ringerike Hadeland (OSL:RING), the current LT-Debt-to-Total-Asset is 0.14 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 kr432.00 is trading 7.6% above its estimated GF Value™ of kr401.35. GuruFocus considers SpareBank 1 Ringerike Hadeland to be Fairly Valued.

Key valuation signals for OSL:RING:

LT-Debt-to-Total-Asset: 0.14
GF Value™: kr401.35 vs. price of kr432.00 (7.6% above fair value)
GF Score™: 66/100 with 8 warning signs

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 Business Description

Industry Financial Services Banks

Comparable Companies OSL:SOAG OSL:MORG OSL:PARB OSL:HELG OSL:ROGS OSL:SKUE OSL:INSTA OSL:SNOR OSL:JAREN OSL:SPOG SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Address Sondre Torv 6, Honefoss, NOR, 3510

Website https://www.sparebank1.no

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.

66GF Score

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kr432.00

Price

kr401.35

GF Value

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