Bien Sparebank ASAOSL:BIEN -6.25%64 Net Margin % is 31.34% as of Mar. 2026, which is 18% below its 10-year median of 38.19. GuruFocus rates OSL:BIEN with a GF Score™ of 64/100 and a GF Value™ of kr133.35 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,527 Banks companies, Bien Sparebank ASA ranks better than 81.34% on this metric.
The historical rank and industry rank for Bien Sparebank ASA's Net Margin % or its related term are showing as below:
OSL:BIEN'
s Net Margin % Range Over the Past 10 Years
Min: 26.68 Med: 38.19 Max: 39.69
Current: 38.08
OSL:BIEN's Net Margin % is ranked better than 81.34% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs OSL:BIEN: 38.08
Bien Sparebank ASA (OSL:BIEN) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Bien Sparebank ASA Net Margin % Related Terms
Bien Sparebank ASA Net Margin % Historical Data
* Premium members only.
The historical data trend for Bien Sparebank ASA's Net Margin % 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.
Bien Sparebank ASA Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Bien Sparebank ASA's Net Margin %, along with its competitors' market caps and Net Margin % 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.
Bien Sparebank ASA Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bien Sparebank ASA's Net Margin % distribution charts can be found below:
* The bar in red indicates where Bien Sparebank ASA's Net Margin % 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.
Bien Sparebank ASA (OSL:BIEN) has a Net Margin % of 31.34% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Bien Sparebank ASA and its competitors. This is 18% below median its historical median of 38.19. Over the past decade, Bien Sparebank ASA's Net Margin % has ranged from 26.68 to 39.69. According to the industry distribution chart, Bien Sparebank ASA ranks #285 out of 1527 companies in the Banks industry, placing it in the top 18.7%.
Is Bien Sparebank ASA's Net Margin % too high?
Bien Sparebank ASA's current Net Margin % of 31.34% is 18% below median its 10-year median of 38.19. Over the past 10 years, this metric has ranged from a low of 26.68 to a high of 39.69. The Banks industry median Net Margin % is 26.95. Bien Sparebank ASA's value of 31.34% is 16.3% above this industry median. Based on the distribution chart, Bien Sparebank ASA ranks #285 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Bien Sparebank ASA has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bien Sparebank ASA's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Bien Sparebank ASA ranks #285 out of 1527 companies for Net Margin %. This places Bien Sparebank ASA in the top 19% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.95. Bien Sparebank ASA's value of 31.34% is 16.3% above this benchmark. Historically, Bien Sparebank ASA's own Net Margin % has ranged from 26.68 to 39.69 over the past decade. While the company's 10-year median is 38.19 vs. the industry median of 26.95, Bien Sparebank ASA has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bien Sparebank ASA's current Net Margin % of 31.34% is 16.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Bien Sparebank ASA and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bien Sparebank ASA's current Net Margin % is 31.34%, which is 18% below median its own 10-year median of 38.19. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bien Sparebank ASA stock overvalued right now?
Based on GuruFocus' analysis, Bien Sparebank ASA (OSL:BIEN) is currently considered Modestly Overvalued. The stock's GF Value™ is kr133.35, compared to a current price of kr150.00 — trading 12.5% above its estimated fair value. The current Net Margin % is 31.34%, which is 18% below median its 10-year median of 38.19 and 16.3% above the Banks industry median of 26.95. Bien Sparebank ASA's overall GF Score™ is 64/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Bien Sparebank ASA (OSL:BIEN), the current Net Margin % is 31.34% 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 Bien Sparebank ASA (OSL:BIEN) Overvalued in 2026?
Based on GuruFocus' analysis, Bien Sparebank ASA stock appears to be overvalued.
The current stock price of kr150.00 is trading 12.5% above its estimated GF Value™ of kr133.35.
GuruFocus considers Bien Sparebank ASA to be Modestly Overvalued.
Key valuation signals for OSL:BIEN:
Net Margin %: 31.34% (18% below median its 10-year median of 38.19)
GF Value™: kr133.35 vs. price of kr150.00 (12.5% above fair value)
Industry Position: 16.3% above the Banks median (#285 of 1527)
No single metric tells the full story. See the OSL:BIEN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bien Sparebank ASA is a independent savings bank. It is a close and accessible bank for individuals and businesses in the Oslo area. The company offers various services namely daily banking, saving, pension, insurance and others.
64GF Score
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