Holand og Setskog Sparebank (OSL:HSPG) Dividend Payout Ratio: 15.15 (As of Mar. 2026) — 3193% Above Median

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Holand og Setskog Sparebank OSL:HSPG

53 GF Score

Price kr145.30

GF Value kr139.88

Valuation Fairly Valued

4 Warning Signs

View Full Analysis

What is Holand og Setskog Sparebank Dividend Payout Ratio?

Holand og Setskog Sparebank OSL:HSPG 53 Dividend Payout Ratio is 15.15 as of Mar. 2026, which is 3193% above its 10-year median of 0.46. 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 1,170 Banks companies, Holand og Setskog Sparebank ranks worse than 96.67% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Holand og Setskog Sparebank's Dividend Payout Ratio for the months ended in Mar. 2026 was 15.15.

Warning Sign:

If a company's dividend payout ratio is too high, its dividend may not be sustainable. The dividend payout ratio of Holand og Setskog Sparebank is 0.98, which seems too high.

The historical rank and industry rank for Holand og Setskog Sparebank's Dividend Payout Ratio or its related term are showing as below:

OSL:HSPG' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.28 Med: 0.46 Max: 1.32
Current: 0.98

During the past 13 years, the highest Dividend Payout Ratio of Holand og Setskog Sparebank was 1.32. The lowest was 0.28. And the median was 0.46.

OSL:HSPG's Dividend Payout Ratio is ranked worse than
96.67% of 1170 companies
in the Banks industry
Industry Median: 0.32 vs OSL:HSPG: 0.98

As of today (2026-07-24), the Dividend Yield % of Holand og Setskog Sparebank is 3.44%.

During the past 13 years, the highest Trailing Annual Dividend Yield of Holand og Setskog Sparebank was 7.28%. The lowest was 3.05%. And the median was 5.26%.

Holand og Setskog Sparebank's Dividends per Share for the months ended in Mar. 2026 was kr5.00.

During the past 12 months, Holand og Setskog Sparebank's average Dividends Per Share Growth Rate was -44.40% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 8.70% per year.

During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Holand og Setskog Sparebank was 30.30% per year. The lowest was -21.90% per year. And the median was -1.30% per year.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

Holand og Setskog Sparebank (OSL:HSPG) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

Holand og Setskog Sparebank Dividend Payout Ratio Related Terms

Holand og Setskog Sparebank Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for Holand og Setskog Sparebank's Dividend Payout Ratio 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.

Holand og Setskog Sparebank Dividend Payout Ratio Chart

Holand og Setskog Sparebank Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

Dividend Payout Ratio

Get a 7-Day Free Trial

0.00

0.71

0.70

0.73

1.32

Holand og Setskog Sparebank Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
Dividend Payout Ratio	Get a 7-Day Free Trial															4.92	0.00	0.00	0.00	15.15

OSL:HSPG vs PNC, USB: Dividend Payout Ratio Comparison

For the Banks - Regional subindustry, Holand og Setskog Sparebank's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Holand og Setskog Sparebank's Dividend Payout Ratio distribution charts can be found below:

* The bar in red indicates where Holand og Setskog Sparebank's Dividend Payout Ratio falls into.

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53GF Score

Holand og Setskog Sparebank OSL:HSPG

Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.

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Holand og Setskog Sparebank Dividend Payout Ratio Calculation

Holand og Setskog Sparebank's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Dividend Payout Ratio	=	Dividends per Share (A: Dec. 2025 )	/	EPS without NRI (A: Dec. 2025 )
	=	9	/	6.83
	=	1.32

Holand og Setskog Sparebank's Dividend Payout Ratio for the quarter that ended in Mar. 2026 is calculated as

Dividend Payout Ratio	=	Dividends per Share (Q: Mar. 2026 )	/	EPS without NRI (Q: Mar. 2026 )
	=	5	/	0.33
	=	15.15

Frequently Asked Questions Learn more about Dividend Payout Ratio →

What does a Dividend Payout Ratio of 15.15 mean?

Holand og Setskog Sparebank (OSL:HSPG) has a Dividend Payout Ratio of 15.15 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Holand og Setskog Sparebank and its competitors. This is 3193% above median its historical median of 0.46. Over the past decade, Holand og Setskog Sparebank's Dividend Payout Ratio has ranged from 0.28 to 1.32. According to the industry distribution chart, Holand og Setskog Sparebank ranks #1131 out of 1170 companies in the Banks industry, placing it in the top 96.7%.

Is Holand og Setskog Sparebank's Dividend Payout Ratio too high?

Holand og Setskog Sparebank's current Dividend Payout Ratio of 15.15 is 3193% above median its 10-year median of 0.46. Over the past 10 years, this metric has ranged from a low of 0.28 to a high of 1.32. The Banks industry median Dividend Payout Ratio is 0.32. Holand og Setskog Sparebank's value of 15.15 is 4634.4% above this industry median. Based on the distribution chart, Holand og Setskog Sparebank ranks #1131 out of 1170 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Dividend Payout Ratio compare to PNC and USB?

According to the Banks industry distribution chart, Holand og Setskog Sparebank ranks #1131 out of 1170 companies for Dividend Payout Ratio. This places Holand og Setskog Sparebank in the lower half of its industry. The industry median Dividend Payout Ratio is 0.32. Holand og Setskog Sparebank's value of 15.15 is 4634.4% above this benchmark. Historically, Holand og Setskog Sparebank's own Dividend Payout Ratio has ranged from 0.28 to 1.32 over the past decade. While the company's 10-year median is 0.46 vs. the industry median of 0.32, Holand og Setskog 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 Dividend Payout Ratio for a Banks company?

The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,170 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Holand og Setskog Sparebank's current Dividend Payout Ratio of 15.15 is 4634.4% 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 Dividend Payout Ratio mean?

A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Holand og Setskog Sparebank and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Holand og Setskog Sparebank's current Dividend Payout Ratio is 15.15, which is 3193% above median its own 10-year median of 0.46. 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 Dividend Payout Ratio is 15.15, which is 3193% above median its 10-year median of 0.46 and 4634.4% above the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?

Dividend Payout Ratio is calculated from a company's financial statements. For Holand og Setskog Sparebank (OSL:HSPG), the current Dividend Payout Ratio is 15.15 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:

Dividend Payout Ratio: 15.15 (3193% above median its 10-year median of 0.46)
GF Value™: kr139.88 vs. price of kr145.30 (3.9% above fair value)
GF Score™: 53/100 with 4 warning signs
Industry Position: 4634.4% above the Banks median (#1131 of 1170)

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 Business Description

Industry Financial Services Banks

Comparable Companies OSL:NISB OSL:FFSB OSL:SOGN OSL:AASB OSL:ROMER OSL:MELG OSL:TRSB SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN XMAD:CABK PNC USB

Address Postboks 54, Bjorkelangen, NOR

Website http://www.hsbank.no

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

Get the complete analysis for OSL:HSPG

Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

kr145.30

Price

kr139.88

GF Value

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