Sparebanken OstCHIX:SPOGO 50 ROA % is 0.81% as of Mar. 2026, which is 12% below its 10-year median of 0.92. GuruFocus rates CHIX:SPOGO with a GF Score™ of 50/100 and a GF Value™ of kr60.86. The stock has 5 warning signs investors should review. Among 1,529 Banks companies, Sparebanken Ost ranks better than 55.85% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Sparebanken Ost's annualizedNet Income for the quarter that ended in Mar. 2026 was kr370 Mil.
Sparebanken Ost's average Total Assets over the quarter that ended in Mar. 2026 was kr45,969 Mil. Therefore, Sparebanken Ost's annualized ROA % for the quarter that ended in Mar. 2026 was 0.81%.
The historical rank and industry rank for Sparebanken Ost's ROA % or its related term are showing as below:
CHIX:SPOGo'
s ROA % Range Over the Past 10 Years
Min: 0.6 Med: 0.92 Max: 1.07
Current: 1.06
During the past 13 years, Sparebanken Ost's highest ROA % was 1.07%. The lowest was 0.60%. And the median was 0.92%.
CHIX:SPOGo's ROA % is ranked better than 55.85% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs CHIX:SPOGo: 1.06
Sparebanken Ost (CHIX:SPOGo) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Sparebanken Ost ROA % Related Terms
Sparebanken Ost ROA % Historical Data
* Premium members only.
The historical data trend for Sparebanken Ost's ROA % 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, Sparebanken Ost's ROA %, along with its competitors' market caps and ROA % 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.
Sparebanken Ost ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Sparebanken Ost's ROA % distribution charts can be found below:
* The bar in red indicates where Sparebanken Ost's ROA % 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Sparebanken Ost (CHIX:SPOGO) has a ROA % of 0.81% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Sparebanken Ost and its competitors. This is 12% below median its historical median of 0.92. Over the past decade, Sparebanken Ost's ROA % has ranged from 0.60 to 1.07. According to the industry distribution chart, Sparebanken Ost ranks #675 out of 1529 companies in the Banks industry, placing it in the top 44.1%.
Is Sparebanken Ost's ROA % too high?
Sparebanken Ost's current ROA % of 0.81% is 12% below median its 10-year median of 0.92. Over the past 10 years, this metric has ranged from a low of 0.60 to a high of 1.07. The Banks industry median ROA % is 0.98. Sparebanken Ost's value of 0.81% is 17.3% below this industry median. Based on the distribution chart, Sparebanken Ost ranks #675 out of 1529 companies in the Banks industry, which is above the industry midpoint. Overall, Sparebanken Ost has a GF Score™ of 50/100, reflecting its overall financial health beyond just this single metric.
How does Sparebanken Ost's ROA % compare to competitors?
According to the Banks industry distribution chart, Sparebanken Ost ranks #675 out of 1529 companies for ROA %. This puts Sparebanken Ost in the upper half of its industry. The industry median ROA % is 0.98. Sparebanken Ost's value of 0.81% is 17.3% below this benchmark. Historically, Sparebanken Ost's own ROA % has ranged from 0.60 to 1.07 over the past decade. While the company's 10-year median is 0.92 vs. the industry median of 0.98, Sparebanken Ost 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sparebanken Ost's current ROA % of 0.81% is 17.3% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Sparebanken Ost and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sparebanken Ost's current ROA % is 0.81%, which is 12% below median its own 10-year median of 0.92. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sparebanken Ost stock overvalued right now?
Sparebanken Ost (CHIX:SPOGO) has a current ROA % of 0.81%. The stock's GF Value™ is kr60.86, compared to a current price of kr71.03 — trading 16.7% above its estimated fair value. The current ROA % is 0.81%, which is 12% below median its 10-year median of 0.92 and 17.3% below the Banks industry median of 0.98. Sparebanken Ost's overall GF Score™ is 50/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For Sparebanken Ost (CHIX:SPOGO), the current ROA % is 0.81% 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 Sparebanken Ost (CHIX:SPOGO) Overvalued in 2026?
Based on GuruFocus' analysis, Sparebanken Ost stock appears to be overvalued.
The current stock price of kr71.03 is trading 16.7% above its estimated GF Value™ of kr60.86.
Key valuation signals for CHIX:SPOGO:
ROA %: 0.81% (12% below median its 10-year median of 0.92)
GF Value™: kr60.86 vs. price of kr71.03 (16.7% above fair value)
Industry Position: 17.3% below the Banks median (#675 of 1529)
No single metric tells the full story. See the CHIX:SPOGO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sparebanken Øst is a savings bank in Norway. It offers banking products and services to retail and corporate customers in the areas of loans, payment services, insurance products, property management as well as advisory services. Its mission is to be a non-affiliated, independent and locally managed provider of financial services, to enable people in general, along with small and medium-sized enterprises, to exploit their financial resources in the possible manner.
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