Sparebanken Norge (OSL:SBNOR) Quality Rank

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

OSL:SBNOR Sparebanken Norge OSL:SBNOR
70 GF Score
Price kr193.58
GF Value kr165.43
Valuation Modestly Overvalued
! 7 Warning Signs
View Full Analysis

What is Sparebanken Norge Quality Rank?

The Quality Rank measures the business quality of a company relative to other companies. It is ranked based on the strength of the balance sheet, as well as the profitability and growth of the business. The ranked companies are split in equal numbers and then ranked from 1 to 10, with 10 being the highest.

The rank of balance sheet (30%)

The rank of balance sheet is done through the ranking of:
  • Interest coverage
  • Zscore
  • Debt to revenue
  • Equity to asset
  • Cash to debt

The rank of Profitability (70%)

The ranking of Profitability is done by ranking:
  • Operating margin mean rank (10-year mean average profit margine)
  • Operating margin growth rank
  • Fscore
  • Predictability rank
  • Revenue growth rank (5 year), when the growth is higher than 25%, set it as 25%
  • Num of year profit (number of years that is profitable within the last 10 years)
  • ROIC median (10-year median of ROIC)

Sparebanken Norge Quality Rank Related Terms

OSL:SBNOR
70GF Score
Sparebanken Norge OSL:SBNOR
Quality Rank is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is Sparebanken Norge (OSL:SBNOR) Overvalued in 2026?

Based on GuruFocus' analysis, Sparebanken Norge stock appears to be overvalued. The current stock price of kr193.58 is trading 17% above its estimated GF Value™ of kr165.43. GuruFocus considers Sparebanken Norge to be Modestly Overvalued.

Key valuation signals for OSL:SBNOR:

  • Quality Rank:
  • GF Value™: kr165.43 vs. price of kr193.58 (17% above fair value)
  • GF Score™: 70/100 with 7 warning signs

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

Sparebanken Norge Business Description

Address Jonsvollsgaten 2, Bergen, NOR, 5011
Sparebanken Norge is a financial services company engaged in providing banking services. In addition, the Group delivers a wide range of banking services across savings, investments, payments, and insurance, as well as digital self-service solutions and personal advisory services, both in person and online. The group operates in five reportable segments: Corporate Market, Retail Market, Bulder, Estate Agency, and Brage Finans. The majority of its revenue is generated from the Retail market segment.
70GF Score

Get the complete analysis for OSL:SBNOR

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

kr193.58
Price
kr165.43
GF Value