SpareBank 1 Ringerike Hadeland (OSL:RING) Scaled Net Operating Assets: 0.29 (As of Mar. 2026)


OSL:RING SpareBank 1 Ringerike Hadeland OSL:RING
66 GF Score
Price kr432.00
GF Value kr401.35
Valuation Fairly Valued
! 8 Warning Signs
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What is SpareBank 1 Ringerike Hadeland Scaled Net Operating Assets?

SpareBank 1 Ringerike Hadeland OSL:RING -0.46% 66 Scaled Net Operating Assets is 0.29 as of Mar. 2026. GuruFocus rates OSL:RING with a GF Score™ of 66/100 and a GF Value™ of kr401.35 (Fairly Valued). The stock has 8 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

SpareBank 1 Ringerike Hadeland's operating assets for the quarter that ended in Mar. 2026 was kr33,140 Mil. SpareBank 1 Ringerike Hadeland's operating liabilities for the quarter that ended in Mar. 2026 was kr23,645 Mil. SpareBank 1 Ringerike Hadeland's Total Assets for the quarter that ended in Dec. 2025 was kr32,744 Mil. Therefore, SpareBank 1 Ringerike Hadeland's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.29.

OSL:RING
66GF Score
SpareBank 1 Ringerike Hadeland OSL:RING
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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SpareBank 1 Ringerike Hadeland Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

SpareBank 1 Ringerike Hadeland's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(32642-22819)/31534
=0.31

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=32744 - 102
=32642

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=27210 - 4391 - 0
=22819

SpareBank 1 Ringerike Hadeland's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(33140-23645)/32744
=0.29

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=33246 - 106
=33140

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=28251 - 4606 - 0
=23645

* 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.

What does a Scaled Net Operating Assets of 0.29 mean?
SpareBank 1 Ringerike Hadeland (OSL:RING) has a Scaled Net Operating Assets of 0.29 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on SpareBank 1 Ringerike Hadeland and its competitors.
Is SpareBank 1 Ringerike Hadeland's Scaled Net Operating Assets too high?
SpareBank 1 Ringerike Hadeland's current Scaled Net Operating Assets is 0.29. Overall, SpareBank 1 Ringerike Hadeland has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does SpareBank 1 Ringerike Hadeland's Scaled Net Operating Assets compare to competitors?
SpareBank 1 Ringerike Hadeland's Scaled Net Operating Assets of 0.29 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on SpareBank 1 Ringerike Hadeland and its competitors. SpareBank 1 Ringerike Hadeland's current Scaled Net Operating Assets is 0.29. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SpareBank 1 Ringerike Hadeland stock overvalued right now?
Based on GuruFocus' analysis, SpareBank 1 Ringerike Hadeland (OSL:RING) is currently considered Fairly Valued. The stock's GF Value™ is kr401.35, compared to a current price of kr432.00 — trading 7.6% above its estimated fair value. The current Scaled Net Operating Assets is 0.29. SpareBank 1 Ringerike Hadeland's overall GF Score™ is 66/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For SpareBank 1 Ringerike Hadeland (OSL:RING), the current Scaled Net Operating Assets is 0.29 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 Ringerike Hadeland (OSL:RING) Overvalued in 2026?

Based on GuruFocus' analysis, SpareBank 1 Ringerike Hadeland stock appears to be overvalued. The current stock price of kr432.00 is trading 7.6% above its estimated GF Value™ of kr401.35. GuruFocus considers SpareBank 1 Ringerike Hadeland to be Fairly Valued.

Key valuation signals for OSL:RING:

  • Scaled Net Operating Assets: 0.29
  • GF Value™: kr401.35 vs. price of kr432.00 (7.6% above fair value)
  • GF Score™: 66/100 with 8 warning signs

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

SpareBank 1 Ringerike Hadeland Business Description

Address Sondre Torv 6, Honefoss, NOR, 3510
SpareBank 1 Ringerike Hadeland is a savings bank in Norway offering financing, placement, payment services, pensions, and life insurance. Its business is organized into two sections, personal and corporate market. The Bank serves less self-employed, agricultural, and business class customers as well. The Bank also provides credit cards, debit cards, structured products, stock savings, mobile banking and online banking services. The company has one segment, which is lending to finance commercial property, including lending that represents the joint debt of a condominium or housing association.
66GF Score

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

kr432.00
Price
kr401.35
GF Value