Fairvalue-Calculator Fairvalue-Calculator
EN DE

Høland og Setskog Sparebank (HSPG) Fair Value & Analysis

Financial Services · NO · Market cap 104M NOK

Pricekr 157.00
Fair Valuekr 314.00
Upside+100.0%
Quality95/100
Evidence: High Range kr 235.50 – kr 392.50

Fair value as of: Jun 26, 2026

✦ Find undervalued quality stocks — 34,000+ analysed Find stocks →

Analysis

Høland og Setskog Sparebank (HSPG) currently trades at kr 157.00, while our model-based Fair Value estimate is kr 314.00 — implying the stock looks roughly 100.0% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

Høland og Setskog Sparebank provides banking services for the retail and corporate markets in Norway. The company offers current, deposit, and savings accounts; business, investment, agricultural, and client accounts; bank and credit cards; eInvoice; mobile payments; and mobile and online banking. It also provides insurance products for cars, electric scooters, boats, motorcycles, mopeds, jet skis, caravans, motorhomes, ATVs, tractors, snowmobiles, trailers, and veteran cars; houses, household items, travel, cottages, valuable items, and drones; health, child, disability, critical illness, life, and accident; dogs, cats, and horses; and company, employees, and agriculture applications. In addition, the company offers bank, BSU, mutual fund, micro, and retirement savings; pension products; car loans, mortgages, senior loans for apartments, green mortgages, energy-saving loans, framework loans, consumer loans, cottage loans, fixed-rate loans, and refinancing of mortgages, as well as l…

Open the full interactive analysis →

Similar stocks

HDFC Bank Limited (HDFCBANK) +77% PT Bank Central Asia Tbk (BBCA) +15% KB Financial Group (105560) +12% PT Bank Rakyat Indonesia (Persero) Tbk (BBRI) +68% Banco Bradesco S.A (BBD) +100% Shinhan Financial Group (055550) +21%

Frequently asked questions

Is Høland og Setskog Sparebank (HSPG) undervalued?
As of Jun 26, 2026, our model estimates a fair value of kr 314.00 versus a price of kr 157.00 — about +100% (undervalued). Model-based estimate, not financial advice.
What is the fair value of HSPG?
Our 21-model fair value for Høland og Setskog Sparebank is kr 314.00 (as of Jun 26, 2026), built from audited fundamentals. The current price is kr 157.00.
What is the quality score of HSPG?
Høland og Setskog Sparebank has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.