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Sparebanken Norge, a financial services company (0G67) fair value: what the stock is really worth
As of Sep 18, 2026: fair value of Sparebanken Norge, a financial services company NOK 420, price NOK 210, upside +100.0%, quality 37 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? Yes
- Good quality? No
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Broad data
Sep 24, 2026
Sparebanken Norge, a financial services company
0G67 · LSECheap, value-trap riskThe stock looks deeply undervalued, but low quality raises value-trap risk.
✓Fair value kr 419.50 · Strongly undervalued (+100.0%)
!Quality 37/100
✓Healthy Growth (revenue 5y +38.9 %/yr)
✓Highly profitable · 55.4% net margin (TTM)
!High debt · generates free cash flow
✓5.7% dividend yield · Sustainable
✓Wide moat 77/100
What runs behind every stock
26
valuation models
8 families, DCF to NCAV
37
quality factors
margins, balance sheet, cashflow, debt
6
AI factors
moat, what no ratio measures
2,000+
data points
verified, per stock, median
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range kr 60.24 – kr 209.75 · fair‑value band kr 339.93 – kr 652.96 · the kr 209.75 price screens below the kr 419.50 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
Company profile
Sparebanken Norge, a financial services company, provides banking and financing services. The company is involved in investment banking; trading in securities for professional investors; leasing and selling mortgage loans; and real estate agency business.
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Sparebanken Norge, a financial services company, provides banking and financing services. The company is involved in investment banking; trading in securities for professional investors; leasing and selling mortgage loans; and real estate agency business. It serves retail and commercial markets, as well as the public sector in Southern, Western, and Eastern Norway. Sparebanken Norge was founded in 1823 and is headquartered in Bergen, Norway.
Stock analysis
Sparebanken Norge, a financial services company, (0G67) currently trades at kr 209.75, while our model-based Fair Value estimate is kr 419.50, implying the stock looks roughly 50.0% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of kr 1,169 per share, and 6 of the 6 models we run sit above the kr 209.75 price.
Bear case: the Dividend Discount group reads lowest at kr 503.03, and 0 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: kr 339.93 (bear) to kr 652.96 (bull), the price of kr 209.75 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 37/100 (below-average quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Sparebanken Norge, a financial services company, reported revenue of 30.4B NOK in FY2025 versus 5.5B NOK in FY2021, a compound +53.5%/yr. Reported net income was 6.5B NOK in FY2025, compounding +60.4%/yr from FY2021.
Key figures
Market cap 5.8B NOK (≈ $607M) · P/E ratio 0.2 · P/S ratio 0.04 · EPS (TTM) kr 9.88 · Dividend yield 5.7% · Net margin 21.3% · Return on equity 18.8% · Return on assets (EBIT) 1.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades at its 52-week high and 31% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at 100%, 0G67 screens cheaper than that median.
Fair Value models
Bear kr 339.93
Fair Value kr 419.50
Bull kr 652.96
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.
Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.
Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Residual Income
kr 749.84
kr 866.90
kr 1,159
76
Gordon GGM
kr 305.60
kr 550.68
kr 758.08
68
DDM Multi-Stage
kr 305.60
kr 503.03
kr 588.26
67
All 6 models by family
Dividend Discount
Gordon GGM
kr 305.60
kr 550.68
kr 758.08
68
DDM Multi-Stage
kr 305.60
kr 503.03
kr 588.26
67
Multiples
P/E Multiple
kr 1,072
kr 1,429
kr 1,787
63
P/B Multiple
kr 876.48
kr 1,169
kr 1,461
55
Asset-Based
NCAV (Graham)
kr 417.37
kr 559.28
kr 834.74
54
Economic Profit
Residual Income
kr 749.84
kr 866.90
kr 1,159
76
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Set up alert →Quality Score breakdown
Overall quality
37/100
Of which business quality 35 · Market factors (momentum, volatility) 78
Profitability
34
Margins and returns on capital today
Quality Growth
59
Are margins and returns improving?
Cashflow
78
Earnings quality: real cash, not paper profit
Fin. Strength
0
Balance sheet, leverage, solvency risk
Investment
33
Disciplined investing over empire-building
Low Volatility
95
Calm price path (market factor)
Momentum
60
Price trend over the last 3–12 months (market factor)
52W Momentum
88
Distance to the 52-week high (market factor)
Net Issuance
0
Share count: buybacks or dilution?
Revenue & earnings trend
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.
100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+50.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+51.4%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+38.9%
Start year 2020 (pandemic). Over 10 years: +26.8% a year
Revenue growth 23 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+15.3%
’14
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: EBIT basis.
≈ +22.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+16.9%
Dividend (yield on the price)5.7%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.42.1% vs 18.9%, picking up
Profit margin 2017 to 2022 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.35% → 37%
Start year 2020 (pandemic)
⚠ Rate on operating basis: 2025 sits 159% above its own trend.
Growth Forecast
A lot of optimism in the price
The price assumes less growth than the company has delivered so far and more than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+12.8%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
−10.8%
Yearly sales growth analysts expect, extended to five years.
After inflation (Norway: IMF forecast 2.4% a year to 2030, 3.3% from 2016 to 2025) that is about +10.1% a year for the price and −12.9% for the forecasts.
Forecast 2026 (sales)−55.5%
Forecast 2027 (sales)+7.1%
Projected 2028 (sales)+6.5%
Projected 2029 (sales)+5.8%
Projected 2030 (sales)+5.2%
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Context: sector, industry, market
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: UK Stocks
- Valuation of the UK market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
None of the checked exposures detected
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Frequently asked questions
Is Sparebanken Norge, a financial services company (0G67) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of kr 419.50 versus the last price from Sep 18, 2026 of kr 209.75, about +100% upside (undervalued).
What is the fair value of 0G67?
Our model-based fair value for Sparebanken Norge, a financial services company, is kr 419.50 (as of Sep 24, 2026), built from audited fundamentals. Last price (from Sep 18, 2026): kr 209.75.
What is the quality score of 0G67?
Sparebanken Norge, a financial services company, has a Quality Score of 37/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Sparebanken Norge, a financial services company (0G67)?
Our model-based price target is the fair value of kr 419.50 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario kr 339.93, optimistic scenario kr 652.96. It is a calculation from audited fundamentals, not an analyst target.
What is the Sparebanken Norge, a financial services company, stock forecast for 2026?
Our models put fair value at kr 419.50, about +100% upside versus the last price from Sep 18, 2026 of kr 209.75 (undervalued). Cautious scenario kr 339.93, optimistic scenario kr 652.96. The calculation is refreshed regularly with new filings.
What is the revenue of Sparebanken Norge, a financial services company (0G67)?
Sparebanken Norge, a financial services company, reported trailing-twelve-month revenue of about 12.9B NOK (latest available figure, as of Sep 24, 2026).
Does Sparebanken Norge, a financial services company, pay a dividend?
Sparebanken Norge, a financial services company, currently shows a dividend yield of about 5.72% relative to its recent price (as of Sep 24, 2026).
What growth is priced into Sparebanken Norge, a financial services company (0G67)?
For today's price to be fair in a discounted-cash-flow model, Sparebanken Norge, a financial services company, would have to grow free cash flow by +12.8 % per year for five years (discount rate 10.3 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +38.9 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of 0G67 use?
Our models discount Sparebanken Norge, a financial services company, at 10.3 %: a base by market capitalisation (small), damped by beta 0.40, country premium for United Kingdom. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Sparebanken Norge, a financial services company, that is +12.8 % per year a year over ten years, using the same discount rate (10.3 %) and the same formula as our fair value.
How much growth has Sparebanken Norge, a financial services company (0G67) delivered so far?
Over the past 5 years revenue at Sparebanken Norge, a financial services company, grew +38.9 % a year. The price currently implies +12.8 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Sparebanken Norge, a financial services company (0G67) growing?
The median revenue growth in the sector is +7.2 % a year. That is the yardstick for the growth priced into Sparebanken Norge, a financial services company, (+12.8 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Sparebanken Norge, a financial services company (0G67)?
The free-cash-flow yield on the price is 21.92 %: that much free cash flow Sparebanken Norge, a financial services company, produces per unit of market value. When it exceeds the discount rate of our models (10.3 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Sparebanken Norge, a financial services company (0G67)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Sparebanken Norge, a financial services company, it is kr 419.50 per share (as of Sep 24, 2026), against a price of kr 209.75. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Sparebanken Norge, a financial services company, stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 0G67 trades below its calculated fair value: price kr 209.75, fair value kr 419.50, a gap of about +100% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 0G67?
No. The price is what the market pays today (kr 209.75); the fair value is what the company's own numbers justify (kr 419.50). For Sparebanken Norge, a financial services company, the two are kr 209.75 per share apart. That gap is exactly why we show both numbers side by side.
How much is Sparebanken Norge, a financial services company, worth?
The market values Sparebanken Norge, a financial services company, at about 5.8B NOK (market capitalisation, as of Sep 24, 2026). Per share that is kr 209.75; our models calculate a fair value of kr 419.50 per share.
What do the bullish and bearish scenarios say about 0G67?
Our models span a range for Sparebanken Norge, a financial services company,: cautious scenario kr 339.93, base kr 419.50, optimistic kr 652.96 per share (as of Sep 24, 2026, price kr 209.75). The range comes from different growth and margin assumptions, not from analyst opinions.
How far is 0G67 from its 52-week high?
Sparebanken Norge, a financial services company, trades at kr 209.75, at its 52-week high of kr 209.75 and 31% above the low of kr 160.21 (as of Sep 18, 2026). Distance from the high says nothing about value: that is what the fair value of kr 419.50 is for.
Which stocks are comparable to Sparebanken Norge, a financial services company,?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Sparebanken Norge, a financial services company, stock attractive at the current price?
The data as of Sep 24, 2026: price kr 209.75, calculated fair value kr 419.50 (+100%), Quality Score 37/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 0G67 calculated?
We run Sparebanken Norge, a financial services company, through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of kr 419.50, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Sparebanken Norge, a financial services company, currently trades 50 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Sparebanken Norge, a financial services company (0G67)?
The latest price we hold is from Sep 18, 2026 and stands at kr 209.75. Our model-based fair value is kr 419.50, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Sparebanken Norge, a financial services company, right now?
The large discount to fair value meets weak quality (37/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (kr 339.93). The market is more pessimistic than our downside scenario. A fairly wide model range (kr 339.93 to kr 652.96) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Sparebanken Norge, a financial services company (0G67) come from?
Earnings per share at Sparebanken Norge, a financial services company, grew +8.5 % a year from 2014 to 2025. Broken into its drivers: revenue per share +6.9 %, EBIT margin −3.0 %, tax rate +2.0 %, residual (interest, one-offs) +2.5 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Sparebanken Norge, a financial services company,
How large is the market capitalisation of Sparebanken Norge, a financial services company (0G67)?
The market capitalisation of Sparebanken Norge, a financial services company, is 5.8B NOK (≈ $607M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/E ratio of Sparebanken Norge, a financial services company (0G67)?
The price-to-earnings ratio of Sparebanken Norge, a financial services company, is 0.2 (as of Jul 24, 2026). Price to earnings: how many years of current profit you pay for the stock. A P/E of 10 means ten years of profit.
What is the P/S ratio of Sparebanken Norge, a financial services company (0G67)?
The price-to-sales ratio of Sparebanken Norge, a financial services company, is 0.04 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Sparebanken Norge, a financial services company (0G67)?
Earnings per share at Sparebanken Norge, a financial services company, are kr 9.88 (price ÷ EPS = P/E 0.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Sparebanken Norge, a financial services company (0G67)?
The dividend yield of Sparebanken Norge, a financial services company, is 5.7% (payout 121%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Sparebanken Norge, a financial services company (0G67)?
The net margin of Sparebanken Norge, a financial services company, is 21.3% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Sparebanken Norge, a financial services company (0G67)?
The return on equity (ROE) of Sparebanken Norge, a financial services company, is 18.8% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Sparebanken Norge, a financial services company (0G67)?
On an EBIT basis the return on assets of Sparebanken Norge, a financial services company, is 1.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Sparebanken Norge, a financial services company (0G67)?
The operating margin of Sparebanken Norge, a financial services company, is 67.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Sparebanken Norge, a financial services company (0G67)?
Revenue at Sparebanken Norge, a financial services company, is growing +60.4% versus a year earlier (3y avg +51.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Sparebanken Norge, a financial services company (0G67)?
Earnings per share at Sparebanken Norge, a financial services company, are growing −6.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Sparebanken Norge, a financial services company (0G67) carry?
The net debt of Sparebanken Norge, a financial services company, is 269B NOK (fiscal year 2025, ≈ 39.0 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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