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Holand og Setskog SparebankOSL:HSPG 53 Net Margin % is 14.66% as of Mar. 2026, which is 54% below its 10-year median of 32.07. GuruFocus rates OSL:HSPG with a GF Score™ of 53/100 and a GF Value™ of kr139.88 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,522 Banks companies, Holand og Setskog Sparebank ranks worse than 67.15% on this metric.
The historical rank and industry rank for Holand og Setskog Sparebank's Net Margin % or its related term are showing as below:
OSL:HSPG'
s Net Margin % Range Over the Past 10 Years
Min: 21.54 Med: 32.07 Max: 40.16
Current: 21.54
OSL:HSPG's Net Margin % is ranked worse than 67.15% of 1522
companies
in the Banks industry
Industry Median: 27.055
vs OSL:HSPG: 21.54
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 14.66% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Holand og Setskog Sparebank and its competitors. This is 54% below median its historical median of 32.07. Over the past decade, Holand og Setskog Sparebank's Net Margin % has ranged from 21.54 to 40.16. According to the industry distribution chart, Holand og Setskog Sparebank ranks #1022 out of 1522 companies in the Banks industry, placing it in the top 67.1%.
Is Holand og Setskog Sparebank's Net Margin % too high?
Holand og Setskog Sparebank's current Net Margin % of 14.66% is 54% below median its 10-year median of 32.07. Over the past 10 years, this metric has ranged from a low of 21.54 to a high of 40.16. The Banks industry median Net Margin % is 27.06. Holand og Setskog Sparebank's value of 14.66% is 45.8% below this industry median. Based on the distribution chart, Holand og Setskog Sparebank ranks #1022 out of 1522 companies in the Banks industry, which is below the industry midpoint. Overall, Holand og Setskog Sparebank has a GF Score™ of 53/100 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 PNC and USB?
According to the Banks industry distribution chart, Holand og Setskog Sparebank ranks #1022 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 27.06. Holand og Setskog Sparebank's value of 14.66% is 45.8% below this benchmark. Historically, Holand og Setskog Sparebank's own Net Margin % has ranged from 21.54 to 40.16 over the past decade. While the company's 10-year median is 32.07 vs. the industry median of 27.06, Holand og Setskog Sparebank has consistently been below 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 27.06, 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. Holand og Setskog Sparebank's current Net Margin % of 14.66% is 45.8% below 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 Holand og Setskog Sparebank and its competitors. For the Banks industry, the median Net Margin % is 27.06 — 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 14.66%, which is 54% below median its own 10-year median of 32.07. 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 kr139.88, compared to a current price of kr145.30 — trading 3.9% above its estimated fair value. The current Net Margin % is 14.66%, which is 54% below median its 10-year median of 32.07 and 45.8% below the Banks industry median of 27.06. Holand og Setskog Sparebank's overall GF Score™ is 53/100 with 4 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 14.66% 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 Holand og Setskog Sparebank (OSL:HSPG) Overvalued in 2026?
Based on GuruFocus' analysis, Holand og Setskog Sparebank stock appears to be overvalued.
The current stock price of kr145.30 is trading 3.9% above its estimated GF Value™ of kr139.88.
GuruFocus considers Holand og Setskog Sparebank to be Fairly Valued.
Key valuation signals for OSL:HSPG:
Net Margin %: 14.66% (54% below median its 10-year median of 32.07)
GF Value™: kr139.88 vs. price of kr145.30 (3.9% above fair value)
Industry Position: 45.8% below the Banks median (#1022 of 1522)
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.
53GF Score
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