Rogaland Sparebank (OSL:ROGS) LT-Debt-to-Total-Asset: 0.47 (As of Mar. 2026)

What is Rogaland Sparebank LT-Debt-to-Total-Asset?

Rogaland Sparebank OSL:ROGS 59 LT-Debt-to-Total-Asset is 0.47 as of Mar. 2026. GuruFocus rates OSL:ROGS with a GF Score™ of 59/100 and a GF Value™ of kr125.68 (Modestly Overvalued). The stock has 9 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. Rogaland Sparebank's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.47.

Rogaland Sparebank's long-term debt to total assets ratio declined from Mar. 2025 (0.47) to Mar. 2026 (0.47). It may suggest that Rogaland Sparebank is progressively becoming less dependent on debt to grow their business.

Rogaland Sparebank (OSL:ROGS) 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.

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

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

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The historical data trend for Rogaland 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.

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

Rogaland Sparebank Annual Data

Trend

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LT-Debt-to-Total-Asset

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0.45

0.47

0.46

0.45

0.46

Rogaland 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															0.47	0.46	0.45	0.46	0.47

59GF Score

Rogaland Sparebank OSL:ROGS

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Rogaland Sparebank LT-Debt-to-Total-Asset Calculation

Rogaland 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 )
	=	20408.078	/	44145.802
	=	0.46

Rogaland 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 )
	=	20850.609	/	44751.379
	=	0.47

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

What does a LT-Debt-to-Total-Asset of 0.47 mean?

Rogaland Sparebank (OSL:ROGS) has a LT-Debt-to-Total-Asset of 0.47 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 Rogaland Sparebank and its competitors.

Is Rogaland Sparebank's LT-Debt-to-Total-Asset too high?

Rogaland Sparebank's current LT-Debt-to-Total-Asset is 0.47. Overall, Rogaland Sparebank has a GF Score™ of 59/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.

How does Rogaland Sparebank's LT-Debt-to-Total-Asset compare to competitors?

Rogaland Sparebank's LT-Debt-to-Total-Asset of 0.47 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 Rogaland Sparebank and its competitors. Rogaland Sparebank's current LT-Debt-to-Total-Asset is 0.47. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Rogaland Sparebank stock overvalued right now?

Based on GuruFocus' analysis, Rogaland Sparebank (OSL:ROGS) is currently considered Modestly Overvalued. The stock's GF Value™ is kr125.68, compared to a current price of kr146.00 — trading 16.2% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.47. Rogaland Sparebank's overall GF Score™ is 59/100 with 9 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 Rogaland Sparebank (OSL:ROGS), the current LT-Debt-to-Total-Asset is 0.47 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 Rogaland Sparebank (OSL:ROGS) Overvalued in 2026?

Based on GuruFocus' analysis, Rogaland Sparebank stock appears to be overvalued. The current stock price of kr146.00 is trading 16.2% above its estimated GF Value™ of kr125.68. GuruFocus considers Rogaland Sparebank to be Modestly Overvalued.

Key valuation signals for OSL:ROGS:

LT-Debt-to-Total-Asset: 0.47
GF Value™: kr125.68 vs. price of kr146.00 (16.2% above fair value)
GF Score™: 59/100 with 9 warning signs

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

Rogaland Sparebank Business Description

Industry Financial Services Banks

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

Other Exchanges 0FWN:UK P7A:Germany

Address Postboks 1133, Sandnes, NOR, 4391

Website https://www.dengulebanken.no

Rogaland Sparebank is an independent savings bank. The company offers a broad range of banking and investment products to retail and corporate customers. The services provided by the company include daily banking, Insurance, loans, Savings, pensions, and others.

59GF Score

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kr146.00

Price

kr125.68

GF Value

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