Net Debt Paydown Yield % is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. It is a measure of a company's willingness and ability to reduce its debt.
As of today, SpareBank 1 Ringerike Hadeland's Net Debt Paydown Yield % was 6.21%.
Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced. In other words, it is a measure of the willingness and ability of a firm's management to pay down debt. Companies that have high debt paydown yields indicate that they are more aggressive with paying down debt.
In the calculation of Net Debt Paydown Yield %, we use the reductions of TTM average total debt one-year-ago and TTM average total debt at present, divided by its Market Cap.
* 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 Net Debt Paydown Yield % Chart
For the Banks - Regional subindustry, SpareBank 1 Ringerike Hadeland's Net Debt Paydown Yield %, along with its competitors' market caps and Net Debt Paydown Yield % 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 Net Debt Paydown Yield % vs Banks Industry
For the Banks industry and Financial Services sector, SpareBank 1 Ringerike Hadeland's Net Debt Paydown Yield % distribution charts can be found below:
* The bar in red indicates where SpareBank 1 Ringerike Hadeland's Net Debt Paydown Yield % falls into.
* 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.
* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Net Debt Paydown Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.
What does a Net Debt Paydown Yield % of 6.21% mean?
SpareBank 1 Ringerike Hadeland (OSL:RING) has a Net Debt Paydown Yield % of 6.21% as of Jul. 09, 2026. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on SpareBank 1 Ringerike Hadeland and its competitors. According to the industry distribution chart, SpareBank 1 Ringerike Hadeland ranks #310 out of 1419 companies in the Banks industry, placing it in the top 21.8%.
Is SpareBank 1 Ringerike Hadeland's Net Debt Paydown Yield % too high?
SpareBank 1 Ringerike Hadeland's current Net Debt Paydown Yield % is 6.21%. Based on the distribution chart, SpareBank 1 Ringerike Hadeland ranks #310 out of 1419 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Net Debt Paydown Yield % compare to competitors?
According to the Banks industry distribution chart, SpareBank 1 Ringerike Hadeland ranks #310 out of 1419 companies for Net Debt Paydown Yield %. This places SpareBank 1 Ringerike Hadeland in the top 22% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Debt Paydown Yield % for a Banks company?
A good Net Debt Paydown Yield % depends on the Banks industry context. However, Net Debt Paydown Yield % 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 Net Debt Paydown Yield % mean?
A high Net Debt Paydown Yield % can signal that a stock is expensive relative to its fundamentals. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on SpareBank 1 Ringerike Hadeland and its competitors. SpareBank 1 Ringerike Hadeland's current Net Debt Paydown Yield % is 6.21%. 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 kr401.05, compared to a current price of kr428.00 — trading 6.7% above its estimated fair value. The current Net Debt Paydown Yield % is 6.21%. SpareBank 1 Ringerike Hadeland's overall GF Score™ is 66/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Debt Paydown Yield % calculated?
Net Debt Paydown Yield % is calculated from a company's financial statements. For SpareBank 1 Ringerike Hadeland (OSL:RING), the current Net Debt Paydown Yield % is 6.21% as of Jul. 09, 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 kr428.00 is trading 6.7% above its estimated GF Value™ of kr401.05.
GuruFocus considers SpareBank 1 Ringerike Hadeland to be Fairly Valued.
Key valuation signals for OSL:RING:
Net Debt Paydown Yield %: 6.21%
GF Value™: kr401.05 vs. price of kr428.00 (6.7% above fair value)
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
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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