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Holand og Setskog SparebankOSL:HSPG 53 Pretax Margin % is 20.34% as of Mar. 2026, which is 50% below its 10-year median of 40.48. 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 71.81% on this metric.
The historical rank and industry rank for Holand og Setskog Sparebank's Pretax Margin % or its related term are showing as below:
OSL:HSPG'
s Pretax Margin % Range Over the Past 10 Years
Min: 25.9 Med: 40.48 Max: 51.32
Current: 25.9
OSL:HSPG's Pretax Margin % is ranked worse than 71.81% of 1522
companies
in the Banks industry
Industry Median: 35.045
vs OSL:HSPG: 25.90
Holand og Setskog Sparebank (OSL:HSPG) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Holand og Setskog Sparebank Pretax Margin % Related Terms
Holand og Setskog Sparebank Pretax 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 Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Holand og Setskog Sparebank's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Holand og Setskog Sparebank's Pretax 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 Pretax Margin % of 20.34% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Holand og Setskog Sparebank and its competitors. This is 50% below median its historical median of 40.48. Over the past decade, Holand og Setskog Sparebank's Pretax Margin % has ranged from 25.90 to 51.32. According to the industry distribution chart, Holand og Setskog Sparebank ranks #1093 out of 1522 companies in the Banks industry, placing it in the top 71.8%.
Is Holand og Setskog Sparebank's Pretax Margin % too high?
Holand og Setskog Sparebank's current Pretax Margin % of 20.34% is 50% below median its 10-year median of 40.48. Over the past 10 years, this metric has ranged from a low of 25.90 to a high of 51.32. The Banks industry median Pretax Margin % is 35.05. Holand og Setskog Sparebank's value of 20.34% is 42% below this industry median. Based on the distribution chart, Holand og Setskog Sparebank ranks #1093 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 Pretax Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Holand og Setskog Sparebank ranks #1093 out of 1522 companies for Pretax Margin %. This places Holand og Setskog Sparebank in the lower half of its industry. The industry median Pretax Margin % is 35.05. Holand og Setskog Sparebank's value of 20.34% is 42% below this benchmark. Historically, Holand og Setskog Sparebank's own Pretax Margin % has ranged from 25.90 to 51.32 over the past decade. While the company's 10-year median is 40.48 vs. the industry median of 35.05, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 35.05, based on 1,522 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Holand og Setskog Sparebank's current Pretax Margin % of 20.34% is 42% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Holand og Setskog Sparebank and its competitors. For the Banks industry, the median Pretax Margin % is 35.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Holand og Setskog Sparebank's current Pretax Margin % is 20.34%, which is 50% below median its own 10-year median of 40.48. 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 Pretax Margin % is 20.34%, which is 50% below median its 10-year median of 40.48 and 42% below the Banks industry median of 35.05. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Holand og Setskog Sparebank (OSL:HSPG), the current Pretax Margin % is 20.34% 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:
Pretax Margin %: 20.34% (50% below median its 10-year median of 40.48)
GF Value™: kr139.88 vs. price of kr145.30 (3.9% above fair value)
Industry Position: 42% below the Banks median (#1093 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
Get the complete analysis for OSL:HSPG
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