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Sogn SparebankOSL:SOGN -0.03%61 Net Margin % is 38.05% as of Mar. 2026, which is 30% above its 10-year median of 29.24. GuruFocus rates OSL:SOGN with a GF Score™ of 61/100 and a GF Value™ of kr235.39 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,527 Banks companies, Sogn Sparebank ranks better than 88.34% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Sogn Sparebank's Net Income for the
three
months ended in Mar. 2026 was kr22.2 Mil. Sogn Sparebank's Revenue for the
three
months ended in Mar. 2026 was kr58.5 Mil. Therefore, Sogn Sparebank's net margin for the quarter that ended in Mar. 2026 was 38.05%.
The historical rank and industry rank for Sogn Sparebank's Net Margin % or its related term are showing as below:
OSL:SOGN'
s Net Margin % Range Over the Past 10 Years
Min: 18.09 Med: 29.24 Max: 43.97
Current: 43.17
OSL:SOGN's Net Margin % is ranked better than 88.34% of 1527
companies
in the Banks industry
Industry Median: 26.87
vs OSL:SOGN: 43.17
Sogn Sparebank (OSL:SOGN) 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.
Sogn Sparebank Net Margin % Related Terms
Sogn Sparebank Net Margin % Historical Data
* Premium members only.
The historical data trend for Sogn Sparebank'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.
For the Banks - Regional subindustry, Sogn 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.
Sogn Sparebank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Sogn Sparebank's Net Margin % distribution charts can be found below:
* The bar in red indicates where Sogn 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.
Sogn Sparebank (OSL:SOGN) has a Net Margin % of 38.05% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Sogn Sparebank and its competitors. This is 30% above median its historical median of 29.24. Over the past decade, Sogn Sparebank's Net Margin % has ranged from 18.09 to 43.97. According to the industry distribution chart, Sogn Sparebank ranks #178 out of 1527 companies in the Banks industry, placing it in the top 11.7%.
Is Sogn Sparebank's Net Margin % too high?
Sogn Sparebank's current Net Margin % of 38.05% is 30% above median its 10-year median of 29.24. Over the past 10 years, this metric has ranged from a low of 18.09 to a high of 43.97. The Banks industry median Net Margin % is 26.87. Sogn Sparebank's value of 38.05% is 41.6% above this industry median. Based on the distribution chart, Sogn Sparebank ranks #178 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Sogn Sparebank has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sogn Sparebank's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Sogn Sparebank ranks #178 out of 1527 companies for Net Margin %. This places Sogn Sparebank in the top 12% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.87. Sogn Sparebank's value of 38.05% is 41.6% above this benchmark. Historically, Sogn Sparebank's own Net Margin % has ranged from 18.09 to 43.97 over the past decade. While the company's 10-year median is 29.24 vs. the industry median of 26.87, Sogn Sparebank 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 26.87, 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. Sogn Sparebank's current Net Margin % of 38.05% is 41.6% 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 Sogn Sparebank and its competitors. For the Banks industry, the median Net Margin % is 26.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sogn Sparebank's current Net Margin % is 38.05%, which is 30% above median its own 10-year median of 29.24. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sogn Sparebank stock overvalued right now?
Based on GuruFocus' analysis, Sogn Sparebank (OSL:SOGN) is currently considered Significantly Overvalued. The stock's GF Value™ is kr235.39, compared to a current price of kr322.90 — trading 37.2% above its estimated fair value. The current Net Margin % is 38.05%, which is 30% above median its 10-year median of 29.24 and 41.6% above the Banks industry median of 26.87. Sogn Sparebank's overall GF Score™ is 61/100 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 Sogn Sparebank (OSL:SOGN), the current Net Margin % is 38.05% 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 Sogn Sparebank (OSL:SOGN) Overvalued in 2026?
Based on GuruFocus' analysis, Sogn Sparebank stock appears to be overvalued.
The current stock price of kr322.90 is trading 37.2% above its estimated GF Value™ of kr235.39.
GuruFocus considers Sogn Sparebank to be Significantly Overvalued.
Key valuation signals for OSL:SOGN:
Net Margin %: 38.05% (30% above median its 10-year median of 29.24)
GF Value™: kr235.39 vs. price of kr322.90 (37.2% above fair value)
Industry Position: 41.6% above the Banks median (#178 of 1527)
No single metric tells the full story. See the OSL:SOGN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sogn Sparebank operates as a local 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.
61GF Score
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