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Holand og Setskog Sparebank (OSL:HSPG) 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.
Holand og Setskog Sparebank Net Margin % Related Terms
Holand og Setskog Sparebank Net Margin % Historical Data
* 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.
For the Banks - Regional subindustry, Holand og Setskog Sparebank'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.
Holand og Setskog Sparebank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Holand og Setskog Sparebank's Net Margin % distribution charts can be found below:
* The bar in red indicates where Holand og Setskog Sparebank'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.
Holand og Setskog Sparebank (OSL:HSPG) has a Net Margin % of -36.99% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on Holand og Setskog Sparebank and its competitors. Over the past decade, Holand og Setskog Sparebank's Net Margin % has ranged from 0.98 to 40.16. According to the industry distribution chart, Holand og Setskog Sparebank ranks #1448 out of 1522 companies in the Banks industry, placing it in the top 95.1%.
Is Holand og Setskog Sparebank's Net Margin % too high?
Holand og Setskog Sparebank's current Net Margin % is -36.99%. Over the past 10 years, this metric has ranged from a low of 0.98 to a high of 40.16. Based on the distribution chart, Holand og Setskog Sparebank ranks #1448 out of 1522 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Holand og Setskog Sparebank has a GF Score™ of 50/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Holand og Setskog Sparebank's Net Margin % compare to USB and PNC?
According to the Banks industry distribution chart, Holand og Setskog Sparebank ranks #1448 out of 1522 companies for Net Margin %. This places Holand og Setskog Sparebank in the lower half of its industry. The industry median Net Margin % is 27.32. Historically, Holand og Setskog Sparebank's own Net Margin % has ranged from 0.98 to 40.16 over the past decade. 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 27.32, based on 1,522 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. 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 Holand og Setskog Sparebank and its competitors. For the Banks industry, the median Net Margin % is 27.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Holand og Setskog Sparebank's current Net Margin % is -36.99%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Holand og Setskog Sparebank stock overvalued right now?
Based on GuruFocus' analysis, Holand og Setskog Sparebank (OSL:HSPG) is currently considered Fairly Valued. The stock's GF Value™ is kr142.07, compared to a current price of kr130.88 — trading 7.9% below its estimated fair value. The current Net Margin % is -36.99%. Holand og Setskog Sparebank's overall GF Score™ is 50/100 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 Holand og Setskog Sparebank (OSL:HSPG), the current Net Margin % is -36.99% as of Jun. 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 Holand og Setskog Sparebank (OSL:HSPG) Overvalued in 2026?
Based on GuruFocus' analysis, Holand og Setskog Sparebank stock appears to be undervalued.
The current stock price of kr130.88 is trading 7.9% below its estimated GF Value™ of kr142.07.
GuruFocus considers Holand og Setskog Sparebank to be Fairly Valued.
Key valuation signals for OSL:HSPG:
Net Margin %: -36.99%
GF Value™: kr142.07 vs. price of kr130.88 (7.9% below fair value)
No single metric tells the full story. See the OSL:HSPG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Holand og Setskog Sparebank operates as a savings bank. It offers a range of financial services including loans, savings, advice, insurance and pensions to personal and corporate customers. The Bank also offers credit cards, debit cards, structured products, stock savings, mobile banking and online banking services.
50GF Score
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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