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Sparebank 1 Ostfold Akershus

Sparebank 1 Ostfold Akershus

SOAG · OL · Financial Services / Banks - Regional

447.10NOK-12.90 (-2.80%)

Price History

Full chart

Market Stats

Previous Close460.00
Open458.00
Day Range447.10 – 460.95
52-Week Range393.55 – 476.35
Volume628
Market Cap5.45B
P/E (TTM)9.81
Forward P/E9.68
EPS44.89
Dividend Yield5.53%
Beta0.09
50-Day Avg442.12
200-Day Avg445.61

About

SpareBank 1 Østfold Akershus operates as a savings bank that provides various banking products and services in Norway. It offers savings in funds; savings accounts; savings for children and retirement; and stocks and investment products. The company also provides mortgage, car, moving, consumer, vehicle, green, and transferring loans, as well as refinancing of mortgage and consumer debt; financing services, including overdrafts, leasing, business loans, bank guarantees, construction loans, growth guarantee schemes, operating credit for agriculture, factoring, and invoice sales. In addition, it offers pension products; car, home, personal, pet, vehicle, travel, machinery, building, employee and personal, and farm and agricultural insurances; and property services. Further, the company provides mobile and online banking; bank card and credit card; and pay and transfer services. SpareBank 1 Østfold Akershus was founded in 1835 and is based in Moss, Norway.

Company Details

Leadership

  • Mr. Arild Bjorn HansenManaging Director · b. 1969
  • Ms. Lillian E. LundbergDeputy CEO, IR Manager & CFO · b. 1970
  • Mr. Jorunn Solstad EllingsenDirector of HR & Technology · b. 1968
  • Mr. Geir A. HauganDirector of Strategy & Marketing · b. 1965
  • Ms. Annicken Steinsvik HerjeDirector of Risk Management & Compliance · b. 1984
  • Mr. Ivar A. ChristoffersenDirector of Communications
  • Ms. Ina TillerDirector of Credit & Adviser Support · b. 1970
  • Mr. Magne KristoffersenController
  • Mr. Tobias EkstrømFinancial Controller

Financials

Income Statement

Currency: NOK2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue323.02M383.64M397.80M392.66M315.81M341.83M416.13M600.31M291.49M344.36M399.56M393.86M512.98M550.63M596.16M570.43M666.61M640.64M701.88M722.17M751.00M813.00M946.00M1.12B1.19B1.23B
Growth (%)-+18.77%+3.69%-1.29%-19.57%+8.24%+21.73%+44.26%-51.44%+18.14%+16.03%-1.43%+30.25%+7.34%+8.27%-4.32%+16.86%-3.90%+9.56%+2.89%+3.99%+8.26%+16.36%+18.08%+6.18%+4.05%
Cost of Revenue-------------000000-------
Gross Profit-------------532.64M619.01M596.34M721.52M708.88M775.19M844.46M------
Gross Margin-------------96.73%103.83%104.54%108.24%110.65%110.44%116.93%------
Operating Expense--------------118.86M-74.18M314.59M317.38M304.50M338.09M355.29M------
Operating Income247.89M297.75M288.31M277.71M197.46M223.30M289.46M466.69M675.86M511.26M522.79M498.59M667.53M651.50M693.20M281.75M404.15M404.39M437.10M489.17M------
Operating Margin76.74%77.61%72.48%70.72%62.52%65.32%69.56%77.74%231.86%148.47%130.84%126.59%130.13%118.32%116.28%49.39%60.63%63.12%62.28%67.74%------
EBITDA--------684.17M520.10M540.60M561.82M686.15M690.61M714.87M583.19M621.92M612.89M671.94M805.38M688.00M704.00M----
EBITDA Margin--------234.72%151.04%135.30%142.65%133.76%125.42%119.91%102.24%93.30%95.67%95.73%111.52%91.61%86.59%----
Net Income-36.98M-56.32M61.94M71.92M79.24M72.83M37.91M62.13M104.68M108.15M136.87M171.58M219.85M220.99M332.04M320.85M358.22M403.55M369.00M443.00M452.00M493.00M652.00M657.00M
Net Income Margin-9.64%-14.34%19.61%21.04%19.04%12.13%13.01%18.04%26.20%27.46%26.68%31.16%36.88%38.74%49.81%50.08%51.04%55.88%49.13%54.49%47.78%44.14%54.97%53.24%
Interest Expense000000000000000000223.31M294.60M213.00M135.00M236.00M615.00M880.00M939.00M
Interest Expense % of Total Revenue0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%31.82%40.79%28.36%16.61%24.95%55.06%74.20%76.09%

Balance Sheet

Currency: NOK2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets3.99B4.52B5.02B5.75B6.71B7.82B9.02B10.72B12.94B13.83B13.83B17.68B17.17B18.16B17.99B18.79B19.87B20.95B23.44B24.00B25.64B26.35B26.67B28.02B29.42B31.41B
Total Liabilities3.67B4.16B4.65B5.32B6.21B7.08B8.21B9.86B12.06B12.90B12.81B16.28B15.65B16.48B16.15B16.55B17.19B17.85B20.11B20.47B21.90B22.28B22.37B23.51B24.38B26.14B
Total Equity322.33M358.56M375.87M431.20M492.16M734.74M810.91M856.25M878.33M930.93M1.02B1.40B1.52B1.68B1.84B2.25B2.67B3.10B3.33B3.53B3.74B4.08B4.30B4.52B5.04B5.27B
Cash93.81M114.45M183.55M156.98M258.39M276.31M114.63M293.74M407.35M860.75M305.40M345.82M72.58M251.32M132.55M105.08M73.56M82.19M67.37M102.66M92.00M94.00M93.00M101.00M100.00M98.00M
Total Debt--------5.06B5.22B4.80B5.15B4.75B4.80B4.03B4.34B5.00B5.14B6.35B5.30B4.86B4.26B----
Net Debt--------4.66B4.36B4.50B4.81B4.68B4.54B3.90B4.23B4.36B4.45B5.46B4.73B4.76B4.17B3.77B4.17B4.70B4.65B

Cash Flow

Currency: NOK2001-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-------445.74M131.28M356.38M764.03M607.41M157.82M794.81M-476.82M186.71M-347.70M-323.13M738.87M804.00M744.00M315.00M-637.00M-491.00M724.00M
Investing Cash Flow------------105.02M66.87M-123.90M11.85M55.07M88.91M-157.00M-1.00M-114.00M75.00M-19.00M-245.00M72.00M
Financing Cash Flow------835.45M368.25M-543.15M-860.81M-760.06M528.62M-729.78M465.70M194.05M121.66M598.88M-910.40M-33.00M-900.00M-597.00M-56.00M92.00M-844.00M
Capital Expenditure00000047.76M26.75M4.69M21.78M4.83M15.21M1.57M5.45M10.42M4.73M197.00M202.49M6.00M21.00M15.00M013.00M6.00M
Free Cash Flow-------493.50M104.54M351.69M742.25M602.58M142.61M793.24M-482.27M176.30M-352.43M-323.13M536.38M798.00M723.00M300.00M-647.00M-504.00M716.00M
Dividends Paid-------6.39M-58.37M20.16M41.38M33.28M44.38M47.25M89.66M122.98M193.22M159.00M93.00M214.00M236.00M287.00M0
FCF to OCF------110.71%79.63%98.68%97.15%99.20%90.36%99.80%101.14%94.42%101.36%100.00%72.59%99.25%97.18%95.24%101.57%102.65%98.90%
Dividend Paid to FCF-------6.11%-7.86%3.34%29.01%4.20%-9.20%26.80%-25.44%-38.06%36.02%19.92%12.86%71.33%-36.48%-56.94%0.00%

Earnings

Report DateJun 3, 2009Aug 12, 2009Oct 28, 2009Mar 3, 2010Jun 2, 2010Aug 11, 2010Oct 27, 2010Feb 5, 2011Apr 28, 2011Aug 10, 2011Oct 26, 2011Feb 15, 2012May 24, 2012Aug 14, 2012Nov 13, 2012Feb 8, 2013Apr 25, 2013Aug 14, 2013Oct 30, 2013Feb 26, 2014May 1, 2014Aug 13, 2014Oct 31, 2014Feb 6, 2015May 6, 2015Aug 14, 2015Oct 30, 2015Feb 5, 2016Apr 29, 2016Aug 12, 2016Nov 14, 2016Feb 7, 2017Jun 1, 2017Aug 11, 2017Oct 31, 2017Feb 5, 2018Apr 27, 2018Aug 14, 2018Oct 31, 2018Feb 15, 2019Apr 29, 2019Aug 15, 2019Oct 22, 2019Feb 6, 2020May 14, 2020Aug 13, 2020Oct 27, 2020Feb 15, 2021Apr 29, 2021Aug 12, 2021Oct 26, 2021Feb 10, 2022May 4, 2022Aug 12, 2022Oct 26, 2022Feb 10, 2023May 4, 2023Aug 8, 2023Nov 1, 2023Feb 8, 2024May 12, 2024Aug 15, 2024Oct 30, 2024Feb 6, 2025May 15, 2025Aug 14, 2025Oct 31, 2025Feb 9, 2026May 7, 2026Aug 13, 2026
EPS Estimate-------3.04--3.281.821.762.903.052.17------5.614.09-3.803.70-3.60-6.50-5.556.766.584.874.915.315.955.466.166.076.126.075.246.665.796.016.117.467.026.407.807.927.808.8710.419.6610.409.129.2710.729.349.3410.1512.0010.359.749.4612.28
EPS Actual17.971.47-0.1720.8713.5423.1118.113.755.9214.471.955.123.184.783.681.952.344.335.635.313.475.897.304.276.955.763.103.285.018.517.975.935.545.548.096.707.865.886.525.6110.337.766.116.294.918.087.537.397.3910.248.447.397.697.197.0712.219.2610.618.698.7011.019.8718.889.418.5418.2411.7810.779.0413.30
Surprise-------23.36%---40.55%181.32%80.68%64.83%20.66%-10.14%------30.12%4.40%-51.58%-16.22%-39.17%-22.62%--0.18%-18.05%22.95%37.58%60.08%10.73%9.58%2.75%67.69%27.84%-0.16%3.62%-6.30%21.32%30.05%22.96%20.95%37.27%20.23%15.47%-1.41%-9.22%-9.36%37.66%-11.05%9.83%-16.44%-4.61%18.77%-7.93%102.14%0.75%-15.86%52.00%13.82%10.57%-4.44%8.31%
Timing-------After-hours--Pre-marketPre-marketAfter-hoursPre-marketPre-marketPre-market-----After-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketPre-marketAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap5.45B
Enterprise Value5.34B
Trailing P/E9.81
Forward P/E9.68
PEG Ratio0.00
Price / Sales4.05
Price / Book1.06
EPS44.89
Book Value399.35
Revenue (TTM)1.35B
Gross Profit (TTM)1.35B
Profit Margin45.24%
Operating Margin56.88%
Return on Equity13.42%
Return on Assets2.11%
Shares Outstanding12.39M
Shares Float4.09M
Beta0.09
Dividend Yield5.53%
Dividend Rate24.50
Payout Ratio76.85%

Dividends

20261×
24.50Mar 26, 2026
20252×
10.00Dec 3, 202520.10Mar 27, 2025
20241×
21.50Mar 22, 2024
20231×
17.80Mar 31, 2023
20221×
16.20Mar 30, 2022
20212×
3.50Oct 29, 20213.50Mar 31, 2021
20201×
12.00Apr 3, 2020
20191×
14.60Apr 10, 2019
20181×
9.30Apr 10, 2018
20171×
7.40Mar 21, 2017
20161×
3.90Mar 17, 2016
20151×
4.18Mar 18, 2015
20141×
3.14Mar 21, 2014
20131×
3.90Mar 22, 2013
20121×
1.90Mar 30, 2012
20111×
6.97Mar 11, 2011
20101×
2.24Mar 12, 2010
20091×
1.52Mar 12, 2009
20081×
9.99Mar 7, 2008
20071×
11.41Mar 9, 2007
20061×
10.46Mar 8, 2006

Stock Splits

  • May 21, 2015143:136