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Holand og Setskog SparebankOSL:HSPG 53 PEG Ratio is 2.98 as of Jul. 24, 2026, which is 171% above its 10-year median of 1.10. 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 1,228 Banks companies, Holand og Setskog Sparebank ranks worse than 72.96% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Holand og Setskog Sparebank's PEG Ratio or its related term are showing as below:
OSL:HSPG'
s PEG Ratio Range Over the Past 10 Years
Min: 0.2 Med: 1.1 Max: 3.38
Current: 2.98
During the past 13 years, Holand og Setskog Sparebank's highest PEG Ratio was 3.38. The lowest was 0.20. And the median was 1.10.
OSL:HSPG's PEG Ratio is ranked worse than 72.96% of 1228
companies
in the Banks industry
Industry Median: 1.535
vs OSL:HSPG: 2.98
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Holand og Setskog Sparebank (OSL:HSPG) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Holand og Setskog Sparebank PEG Ratio Related Terms
Holand og Setskog Sparebank PEG Ratio 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 PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Holand og Setskog Sparebank's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Holand og Setskog Sparebank's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Holand og Setskog Sparebank (OSL:HSPG) has a PEG Ratio of 2.98 as of Jul. 24, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Holand og Setskog Sparebank and its competitors. This is 171% above median its historical median of 1.10. Over the past decade, Holand og Setskog Sparebank's PEG Ratio has ranged from 0.20 to 3.38. According to the industry distribution chart, Holand og Setskog Sparebank ranks #896 out of 1228 companies in the Banks industry, placing it in the top 73%.
Is Holand og Setskog Sparebank's PEG Ratio too high?
Holand og Setskog Sparebank's current PEG Ratio of 2.98 is 171% above median its 10-year median of 1.10. Over the past 10 years, this metric has ranged from a low of 0.20 to a high of 3.38. The Banks industry median PEG Ratio is 1.54. Holand og Setskog Sparebank's value of 2.98 is 94.1% above this industry median. Based on the distribution chart, Holand og Setskog Sparebank ranks #896 out of 1228 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 PEG Ratio compare to PNC and USB?
According to the Banks industry distribution chart, Holand og Setskog Sparebank ranks #896 out of 1228 companies for PEG Ratio. This places Holand og Setskog Sparebank in the lower half of its industry. The industry median PEG Ratio is 1.54. Holand og Setskog Sparebank's value of 2.98 is 94.1% above this benchmark. Historically, Holand og Setskog Sparebank's own PEG Ratio has ranged from 0.20 to 3.38 over the past decade. While the company's 10-year median is 1.10 vs. the industry median of 1.54, 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.54, based on 1,228 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Holand og Setskog Sparebank's current PEG Ratio of 2.98 is 94.1% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Holand og Setskog Sparebank and its competitors. For the Banks industry, the median PEG Ratio is 1.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Holand og Setskog Sparebank's current PEG Ratio is 2.98, which is 171% above median its own 10-year median of 1.10. 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 PEG Ratio is 2.98, which is 171% above median its 10-year median of 1.10 and 94.1% above the Banks industry median of 1.54. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Holand og Setskog Sparebank (OSL:HSPG), the current PEG Ratio is 2.98 as of Jul. 24, 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:
PEG Ratio: 2.98 (171% above median its 10-year median of 1.10)
GF Value™: kr139.88 vs. price of kr145.30 (3.9% above fair value)
Industry Position: 94.1% above the Banks median (#896 of 1228)
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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