SpareBank 1 Ringerike Hadeland (OSL:RING) Margin of Safety % (DCF Dividends Based): 40.08% (As of Jul. 02, 2026)


OSL:RING SpareBank 1 Ringerike Hadeland OSL:RING
66 GF Score
Price kr432.00
GF Value kr401.31
Valuation Fairly Valued
! 8 Warning Signs
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What is SpareBank 1 Ringerike Hadeland Margin of Safety % (DCF Dividends Based)?

SpareBank 1 Ringerike Hadeland OSL:RING -0.46% 66 Margin of Safety % (DCF Dividends Based) is 40.08% as of Jul. 02, 2026. GuruFocus rates OSL:RING with a GF Score™ of 66/100 and a GF Value™ of kr401.31 (Fairly Valued). The stock has 8 warning signs investors should review.

Margin of Safety % (DCF Dividends Based) = (Intrinsic Value: DCF (Dividends Based) - Current Price) / Intrinsic Value: DCF (Dividends Based).

Note: Discounted Dividend model is only suitable for companies who have a consistant distribution history with more than 5 years. If the company's dividends does not remain steady over a long period, results may not be accurate due to the low consistency. The model is also only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, the data will not be stored into our database.

As of today (2026-07-02), SpareBank 1 Ringerike Hadeland's Predictability Rank is 3-Stars. SpareBank 1 Ringerike Hadeland's intrinsic value calculated from the Discounted Dividend model is kr715.84 and current share price is kr432.00. Consequently,

SpareBank 1 Ringerike Hadeland's Margin of Safety % (DCF Dividends Based) using Discounted Dividend model is 40.08%.

SpareBank 1 Ringerike Hadeland Margin of Safety % (DCF Dividends Based) Competitor Comparison

For the Banks - Regional subindustry, SpareBank 1 Ringerike Hadeland's Margin of Safety % (DCF Dividends Based), along with its competitors' market caps and Margin of Safety % (DCF Dividends Based) 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 Margin of Safety % (DCF Dividends Based) vs Banks Industry

For the Banks industry and Financial Services sector, SpareBank 1 Ringerike Hadeland's Margin of Safety % (DCF Dividends Based) distribution charts can be found below:

* The bar in red indicates where SpareBank 1 Ringerike Hadeland's Margin of Safety % (DCF Dividends Based) falls into.


OSL:RING
66GF Score
SpareBank 1 Ringerike Hadeland OSL:RING
Margin of Safety % (DCF Dividends Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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SpareBank 1 Ringerike Hadeland Margin of Safety % (DCF Dividends Based) Calculation

SpareBank 1 Ringerike Hadeland's Margin of Safety % (DCF Dividends Based) for today is calculated as

Margin of Safety % (DCF Dividends Based)=(Intrinsic Value: DCF (Dividends Based)-Current Price)/Intrinsic Value: DCF (Dividends Based)
=(720.97-432.00)/720.97
=40.08 %

* 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.

The intrinsic value is calculated from the Discounted Dividend model with default parameters.

What does a Margin of Safety % (DCF Dividends Based) of 40.08% mean?
SpareBank 1 Ringerike Hadeland (OSL:RING) has a Margin of Safety % (DCF Dividends Based) of 40.08% as of Jul. 02, 2026. Margin of Safety % (DCF Dividends Based) is the percent difference between the current price and the intrinsic DCF Dividends price. View historical data on SpareBank 1 Ringerike Hadeland.
Is SpareBank 1 Ringerike Hadeland's Margin of Safety % (DCF Dividends Based) too high?
SpareBank 1 Ringerike Hadeland's current Margin of Safety % (DCF Dividends Based) is 40.08%. 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 Margin of Safety % (DCF Dividends Based) compare to competitors?
SpareBank 1 Ringerike Hadeland's Margin of Safety % (DCF Dividends Based) of 40.08% 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 Margin of Safety % (DCF Dividends Based) for a Banks company?
A good Margin of Safety % (DCF Dividends Based) depends on the Banks industry context. However, Margin of Safety % (DCF Dividends Based) 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 Margin of Safety % (DCF Dividends Based) mean?
A high Margin of Safety % (DCF Dividends Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Dividends Based) is the percent difference between the current price and the intrinsic DCF Dividends price. View historical data on SpareBank 1 Ringerike Hadeland. SpareBank 1 Ringerike Hadeland's current Margin of Safety % (DCF Dividends Based) is 40.08%. 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 kr401.31, compared to a current price of kr432.00 — trading 7.6% above its estimated fair value. The current Margin of Safety % (DCF Dividends Based) is 40.08%. 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 Margin of Safety % (DCF Dividends Based) calculated?
Margin of Safety % (DCF Dividends Based) is calculated from a company's financial statements. For SpareBank 1 Ringerike Hadeland (OSL:RING), the current Margin of Safety % (DCF Dividends Based) is 40.08% as of Jul. 02, 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 kr401.31. GuruFocus considers SpareBank 1 Ringerike Hadeland to be Fairly Valued.

Key valuation signals for OSL:RING:

  • Margin of Safety % (DCF Dividends Based): 40.08%
  • GF Value™: kr401.31 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

Address Sondre Torv 6, Honefoss, NOR, 3510
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

Get the complete analysis for OSL:RING

Margin of Safety % (DCF Dividends Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

kr432.00
Price
kr401.31
GF Value