Sparebank 1 Ostfold Akershus (OSL:SOAG) OCF Margin %: 99.03% (As of Mar. 2026) — 176% Above Median


OSL:SOAG Sparebank 1 Ostfold Akershus OSL:SOAG
68 GF Score
Price kr441.00
GF Value kr396.78
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Sparebank 1 Ostfold Akershus OCF Margin %?

Sparebank 1 Ostfold Akershus OSL:SOAG 68 OCF Margin % is 99.03% as of Mar. 2026, which is 176% above its 10-year median of 35.83. GuruFocus rates OSL:SOAG with a GF Score™ of 68/100 and a GF Value™ of kr396.78 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,501 Banks companies, Sparebank 1 Ostfold Akershus ranks better than 77.75% on this metric.

OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. Sparebank 1 Ostfold Akershus's Cash Flow from Operations for the three months ended in Mar. 2026 was kr305 Mil. Sparebank 1 Ostfold Akershus's Revenue for the three months ended in Mar. 2026 was kr308 Mil. Therefore, Sparebank 1 Ostfold Akershus's OCF Margin % for the quarter that ended in Mar. 2026 was 99.03%.

As of today, Sparebank 1 Ostfold Akershus's current OCF Yield % is 14.55%.

The historical rank and industry rank for Sparebank 1 Ostfold Akershus's OCF Margin % or its related term are showing as below:

OSL:SOAG' s OCF Margin % Range Over the Past 10 Years
Min: -54.06   Med: 35.83   Max: 106.91
Current: 63.5


During the past 13 years, the highest OCF Margin % of Sparebank 1 Ostfold Akershus was 106.91%. The lowest was -54.06%. And the median was 35.83%.

OSL:SOAG's OCF Margin % is ranked better than
77.75% of 1501 companies
in the Banks industry
Industry Median: 29.44 vs OSL:SOAG: 63.50


Sparebank 1 Ostfold Akershus OCF Margin % Related Terms


Sparebank 1 Ostfold Akershus OCF Margin % Historical Data

* Premium members only.

The historical data trend for Sparebank 1 Ostfold Akershus's OCF 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.

Sparebank 1 Ostfold Akershus OCF Margin % Chart

Sparebank 1 Ostfold Akershus Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
OCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 91.63 33.33 29.90 -41.43 58.51

Sparebank 1 Ostfold Akershus Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
OCF Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 80.28 130.27 -11.29 28.96 99.03

Sparebank 1 Ostfold Akershus OCF Margin % Competitor Comparison

For the Banks - Regional subindustry, Sparebank 1 Ostfold Akershus's OCF Margin %, along with its competitors' market caps and OCF 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.


Sparebank 1 Ostfold Akershus OCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, Sparebank 1 Ostfold Akershus's OCF Margin % distribution charts can be found below:

* The bar in red indicates where Sparebank 1 Ostfold Akershus's OCF Margin % falls into.


OSL:SOAG
68GF Score
Sparebank 1 Ostfold Akershus OSL:SOAG
OCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Sparebank 1 Ostfold Akershus OCF Margin % Calculation

OCF Margin % is the ratio of Cash Flow from Operations divided by net sales or Revenue, usually presented in percent.

Sparebank 1 Ostfold Akershus's OCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

OCF Margin=Cash Flow from Operations (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=722/1234
=58.51 %

Sparebank 1 Ostfold Akershus's OCF Margin for the quarter that ended in Mar. 2026 is calculated as

OCF Margin=Cash Flow from Operations (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=305/308
=99.03 %

* 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.

Frequently Asked Questions Learn more about OCF Margin % →
What does a OCF Margin % of 99.03% mean?
Sparebank 1 Ostfold Akershus (OSL:SOAG) has a OCF Margin % of 99.03% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Sparebank 1 Ostfold Akershus and its competitors. This is 176% above median its historical median of 35.83. According to the industry distribution chart, Sparebank 1 Ostfold Akershus ranks #334 out of 1501 companies in the Banks industry, placing it in the top 22.3%.
Is Sparebank 1 Ostfold Akershus' OCF Margin % too high?
Sparebank 1 Ostfold Akershus' current OCF Margin % of 99.03% is 176% above median its 10-year median of 35.83. The Banks industry median OCF Margin % is 29.44. Sparebank 1 Ostfold Akershus' value of 99.03% is 236.4% above this industry median. Based on the distribution chart, Sparebank 1 Ostfold Akershus ranks #334 out of 1501 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Sparebank 1 Ostfold Akershus has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sparebank 1 Ostfold Akershus' OCF Margin % compare to competitors?
According to the Banks industry distribution chart, Sparebank 1 Ostfold Akershus ranks #334 out of 1501 companies for OCF Margin %. This places Sparebank 1 Ostfold Akershus in the top 22% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 29.44. Sparebank 1 Ostfold Akershus' value of 99.03% is 236.4% above this benchmark. While the company's 10-year median is 35.83 vs. the industry median of 29.44, Sparebank 1 Ostfold Akershus 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sparebank 1 Ostfold Akershus's current OCF Margin % of 99.03% is 236.4% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Sparebank 1 Ostfold Akershus and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sparebank 1 Ostfold Akershus's current OCF Margin % is 99.03%, which is 176% above median its own 10-year median of 35.83. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sparebank 1 Ostfold Akershus stock overvalued right now?
Based on GuruFocus' analysis, Sparebank 1 Ostfold Akershus (OSL:SOAG) is currently considered Modestly Overvalued. The stock's GF Value™ is kr396.78, compared to a current price of kr441.00 — trading 11.1% above its estimated fair value. The current OCF Margin % is 99.03%, which is 176% above median its 10-year median of 35.83 and 236.4% above the Banks industry median of 29.44. Sparebank 1 Ostfold Akershus' overall GF Score™ is 68/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Sparebank 1 Ostfold Akershus (OSL:SOAG), the current OCF Margin % is 99.03% 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 Sparebank 1 Ostfold Akershus (OSL:SOAG) Overvalued in 2026?

Based on GuruFocus' analysis, Sparebank 1 Ostfold Akershus stock appears to be overvalued. The current stock price of kr441.00 is trading 11.1% above its estimated GF Value™ of kr396.78. GuruFocus considers Sparebank 1 Ostfold Akershus to be Modestly Overvalued.

Key valuation signals for OSL:SOAG:

  • OCF Margin %: 99.03% (176% above median its 10-year median of 35.83)
  • GF Value™: kr396.78 vs. price of kr441.00 (11.1% above fair value)
  • GF Score™: 68/100 with 7 warning signs
  • Industry Position: 236.4% above the Banks median (#334 of 1501)

No single metric tells the full story. See the OSL:SOAG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Sparebank 1 Ostfold Akershus Business Description

Address Kongensgate 21, Moss, NOR, 1501
Sparebank 1 Ostfold Akershus is a regional savings bank operating through SpareBank 1 Corp. 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.
68GF Score

Get the complete analysis for OSL:SOAG

OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

kr441.00
Price
kr396.78
GF Value