Sparebanken OstCHIX:SPOGO 50 ROE % is 7.66% as of Mar. 2026, which is 20% below its 10-year median of 9.53. 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 1,524 Banks companies, Sparebanken Ost ranks better than 50.07% on this metric.
The historical rank and industry rank for Sparebanken Ost's ROE % or its related term are showing as below:
CHIX:SPOGo'
s ROE % Range Over the Past 10 Years
Min: 5.86 Med: 9.53 Max: 10.81
Current: 10.22
During the past 13 years, Sparebanken Ost's highest ROE % was 10.81%. The lowest was 5.86%. And the median was 9.53%.
CHIX:SPOGo's ROE % is ranked better than 50.07% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs CHIX:SPOGo: 10.22
Sparebanken Ost (CHIX:SPOGo) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Sparebanken Ost ROE % Related Terms
Sparebanken Ost ROE % Historical Data
* Premium members only.
The historical data trend for Sparebanken Ost's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Sparebanken Ost's ROE % distribution charts can be found below:
* The bar in red indicates where Sparebanken Ost's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity 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.
ROE % is displayed in the 30-year financial page.
Sparebanken Ost (CHIX:SPOGO) has a ROE % of 7.66% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Sparebanken Ost and its competitors. This is 20% below median its historical median of 9.53. Over the past decade, Sparebanken Ost's ROE % has ranged from 5.86 to 10.81. According to the industry distribution chart, Sparebanken Ost ranks #761 out of 1524 companies in the Banks industry, placing it in the top 49.9%.
Is Sparebanken Ost's ROE % too high?
Sparebanken Ost's current ROE % of 7.66% is 20% below median its 10-year median of 9.53. Over the past 10 years, this metric has ranged from a low of 5.86 to a high of 10.81. The Banks industry median ROE % is 10.22. Sparebanken Ost's value of 7.66% is 25% below this industry median. Based on the distribution chart, Sparebanken Ost ranks #761 out of 1524 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 ROE % compare to competitors?
According to the Banks industry distribution chart, Sparebanken Ost ranks #761 out of 1524 companies for ROE %. This puts Sparebanken Ost in the upper half of its industry. The industry median ROE % is 10.22. Sparebanken Ost's value of 7.66% is 25% below this benchmark. Historically, Sparebanken Ost's own ROE % has ranged from 5.86 to 10.81 over the past decade. While the company's 10-year median is 9.53 vs. the industry median of 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sparebanken Ost's current ROE % of 7.66% is 25% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Sparebanken Ost and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sparebanken Ost's current ROE % is 7.66%, which is 20% below median its own 10-year median of 9.53. 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 ROE % of 7.66%. 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 ROE % is 7.66%, which is 20% below median its 10-year median of 9.53 and 25% below the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Sparebanken Ost (CHIX:SPOGO), the current ROE % is 7.66% 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:
ROE %: 7.66% (20% below median its 10-year median of 9.53)
GF Value™: kr60.86 vs. price of kr71.03 (16.7% above fair value)
Industry Position: 25% below the Banks median (#761 of 1524)
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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