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XOSLRING
Market cap438mUSD
Dec 20, Last price  
325.00NOK
1D
0.31%
1Q
7.99%
Jan 2017
83.37%
Name

Sparebank 1 Ringerike Hadeland

Chart & Performance

D1W1MN
XOSL:RING chart
P/E
11.04
P/S
2.70
EPS
29.43
Div Yield, %
4.15%
Shrs. gr., 5y
-0.54%
Rev. gr., 5y
20.44%
Revenues
1.07b
+15.73%
167,246,000202,961,000649,031,000462,177,000468,321,000537,170,000577,559,000575,115,000698,618,000691,378,000742,895,000778,937,000751,300,000831,000,000922,000,0001,067,000,000
Net income
462m
+9.75%
49,672,00074,421,000390,599,000157,436,000172,589,000232,661,000287,140,000223,812,000322,975,000329,802,000339,277,000425,256,000366,500,000445,500,000420,600,000461,600,000
CFO
684m
+335.67%
-429,106,000-240,011,000119,217,000-1,021,327,00030,901,000-365,447,000284,026,00098,778,000659,739,000-1,095,181,000335,285,000-81,940,00031,069,000127,000,000547,000,000157,000,000684,000,000
Dividend
Mar 21, 202420 NOK/sh
Earnings
Feb 12, 2025

Profile

SpareBank 1 Ringerike Hadeland provides various banking products and services to private and corporate customers in Norway. The company offers saving, current, deposit, and currency accounts; vehicle, house and travel, and animal insurance products, as well as life, child, disability, critical illness, accident, health, and business and personal insurance products; mobile and online banking services; and debit and credit cards. It also provides mortgages; car, boat, and other vehicles; consumer and other loans; and bank guarantees, corporate and construction loans, liquidity loans with a government guarantee, and operating credit for agriculture, as well as factoring, leasing, and overdraft services. In addition, the company offers services for buying and selling property; accounting services; pension products; and savings and investment products. The company was founded in 1833 and is based in Hønefoss, Norway.
URL
https://www.sparebank1.no/nb/ringerike-hadeland/privat.html
IPO date
Jun 13, 1996
Employees
242
Domiciled in
NO
Incorporated in
NO

Valuation

Title
NOK in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFYFY
2023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑122014‑12
Income
Revenues
1,067,000
15.73%
922,000
10.95%
831,000
10.61%
Cost of revenue
(535,000)
29,000
21,000
Unusual Expense (Income)
NOPBT
1,602,000
893,000
810,000
NOPBT Margin
150.14%
96.85%
97.47%
Operating Taxes
151,000
114,000
112,000
Tax Rate
9.43%
12.77%
13.83%
NOPAT
1,451,000
779,000
698,000
Net income
461,600
9.75%
420,600
-5.59%
445,500
21.56%
Dividends
(211,000)
(260,000)
(183,000)
Dividend yield
4.43%
5.13%
3.54%
Proceeds from repurchase of equity
BB yield
Debt
Debt current
804,000
Long-term debt
5,882,000
5,827,000
5,533,000
Deferred revenue
Other long-term liabilities
18,873,000
(5,795,000)
(5,503,000)
Net debt
2,157,000
2,172,000
2,818,000
Cash flow
Cash from operating activities
684,000
157,000
547,000
CAPEX
(11,000)
(5,000)
Cash from investing activities
(812,000)
(121,000)
50,000
Cash from financing activities
(307,000)
(36,000)
(601,000)
FCF
1,331,000
1,554,000
803,000
Balance
Cash
103,000
90,000
91,000
Long term investments
3,622,000
3,565,000
3,428,000
Excess cash
3,671,650
3,608,900
3,477,450
Stockholders' equity
4,264,000
3,833,000
3,690,000
Invested Capital
26,421,350
26,001,100
25,307,550
ROIC
5.54%
3.04%
2.79%
ROCE
5.32%
3.02%
2.81%
EV
Common stock shares outstanding
15,682
15,650
15,650
Price
304.00
-6.17%
324.00
-1.82%
330.00
38.66%
Market cap
4,767,297
-5.98%
5,070,731
-1.82%
5,164,634
38.66%
EV
6,925,297
7,243,731
7,983,634
EBITDA
1,613,000
904,000
823,000
EV/EBITDA
4.29
8.01
9.70
Interest
787,000
349,000
143,000
Interest/NOPBT
49.13%
39.08%
17.65%