SpareBank 1 OstlandetOSL:SPOL +0.35%65 Pretax Margin % is 51.81% as of Mar. 2026, which is 7% below its 10-year median of 55.60. GuruFocus rates OSL:SPOL with a GF Score™ of 65/100 and a GF Value™ of kr165.17 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,527 Banks companies, SpareBank 1 Ostlandet ranks better than 91.62% on this metric.
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.
SpareBank 1 Ostlandet Pretax Margin % Related Terms
SpareBank 1 Ostlandet Pretax Margin % Historical Data
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The historical data trend for SpareBank 1 Ostlandet's Pretax 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, SpareBank 1 Ostlandet'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.
SpareBank 1 Ostlandet Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, SpareBank 1 Ostlandet's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where SpareBank 1 Ostlandet'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.
SpareBank 1 Ostlandet (OSL:SPOL) has a Pretax Margin % of 51.81% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on SpareBank 1 Ostlandet and its competitors. This is near median its historical median of 55.60. Over the past decade, SpareBank 1 Ostlandet's Pretax Margin % has ranged from 48.47 to 63.80. According to the industry distribution chart, SpareBank 1 Ostlandet ranks #128 out of 1527 companies in the Banks industry, placing it in the top 8.4%.
Is SpareBank 1 Ostlandet's Pretax Margin % too high?
SpareBank 1 Ostlandet's current Pretax Margin % of 51.81% is near median its 10-year median of 55.60. Over the past 10 years, this metric has ranged from a low of 48.47 to a high of 63.80. The Banks industry median Pretax Margin % is 34.88. SpareBank 1 Ostlandet's value of 51.81% is 48.5% above this industry median. Based on the distribution chart, SpareBank 1 Ostlandet ranks #128 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, SpareBank 1 Ostlandet has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SpareBank 1 Ostlandet's Pretax Margin % compare to competitors?
According to the Banks industry distribution chart, SpareBank 1 Ostlandet ranks #128 out of 1527 companies for Pretax Margin %. This places SpareBank 1 Ostlandet in the top 8% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 34.88. SpareBank 1 Ostlandet's value of 51.81% is 48.5% above this benchmark. Historically, SpareBank 1 Ostlandet's own Pretax Margin % has ranged from 48.47 to 63.80 over the past decade. While the company's 10-year median is 55.60 vs. the industry median of 34.88, SpareBank 1 Ostlandet 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.88, based on 1,527 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. SpareBank 1 Ostlandet's current Pretax Margin % of 51.81% is 48.5% 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 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 SpareBank 1 Ostlandet and its competitors. For the Banks industry, the median Pretax Margin % is 34.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SpareBank 1 Ostlandet's current Pretax Margin % is 51.81%, which is near median its own 10-year median of 55.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SpareBank 1 Ostlandet stock overvalued right now?
Based on GuruFocus' analysis, SpareBank 1 Ostlandet (OSL:SPOL) is currently considered Modestly Overvalued. The stock's GF Value™ is kr165.17, compared to a current price of kr188.74 — trading 14.3% above its estimated fair value. The current Pretax Margin % is 51.81%, which is near median its 10-year median of 55.60 and 48.5% above the Banks industry median of 34.88. SpareBank 1 Ostlandet's overall GF Score™ is 65/100 with 5 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 SpareBank 1 Ostlandet (OSL:SPOL), the current Pretax Margin % is 51.81% 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 Ostlandet (OSL:SPOL) Overvalued in 2026?
Based on GuruFocus' analysis, SpareBank 1 Ostlandet stock appears to be overvalued.
The current stock price of kr188.74 is trading 14.3% above its estimated GF Value™ of kr165.17.
GuruFocus considers SpareBank 1 Ostlandet to be Modestly Overvalued.
Key valuation signals for OSL:SPOL:
Pretax Margin %: 51.81% (near median its 10-year median of 55.60)
GF Value™: kr165.17 vs. price of kr188.74 (14.3% above fair value)
Industry Position: 48.5% above the Banks median (#128 of 1527)
No single metric tells the full story. See the OSL:SPOL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SpareBank 1 Ostlandet is a savings bank and regional financial institution. The bank offers financial products and services, including savings, financing, payment processing, insurance, capital management, investments, loans and credits, advisory services, foreign exchange and interest rate hedging, and pension solutions. The Group reports the following operating segments: Retail Banking (PM), Corporate Banking (BM), Real Estate Agency, Financing/Leasing, Accounting Services, and Unallocated operations. The bank mainly operates in Eastern Norway with a presence in Innlandet, Oslo, Akershus, and Buskerud through a branch network, digital channels, and customer centres.
65GF Score
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