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Sparebanken Norge SPIZF

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Price alert · SPIZF

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19.80 USD 0.00 0.00%

At close · Oct 30

17.44 Day range 17.44
17.44 52-week range 20.59
YTD
+13.53%
1 year
+13.53%
Open
17.44
Prev close
19.80
Mkt cap
3.42B
Vol
100
Avg vol
0
EPS
2.23
P/E
8.88
More statistics
Low
17.44
High
17.44
Earnings
Aug 11, 2026

5D chart

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Financial health

Altman Z-Score

0.13 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B3 / 5 overall

  • DCF 1
  • Return on Equity 4
  • Return on Assets 3
  • Debt / Equity 1
  • P/E 4
  • P/B 4

Valuation

P/E 10.5×
FY 2016: 7.8×FY 2017: 8.5×FY 2018: 1.8×FY 2019: 7.0×FY 2020: 6.9×FY 2021: 8.9×FY 2022: 8.8×FY 2023: 18.7×FY 2024: 6.3×FY 2025: 10.5×
FY 2016 5y median 8.9× FY 2025
P/S 0.1×
FY 2016: 0.9×FY 2017: 0.9×FY 2018: 0.9×FY 2019: 0.9×FY 2020: 1.5×FY 2021: 2.1×FY 2022: 2.0×FY 2023: 1.7×FY 2024: 1.6×FY 2025: 0.1×
FY 2016 5y median 1.7× FY 2025
P/B 0.1×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.4×FY 2022: 0.4×FY 2023: 0.4×FY 2024: 0.4×FY 2025: 0.1×
FY 2016 5y median 0.4× FY 2025
P/FCF 0.4×
FY 2016: 2.7×FY 2017: 2.4×FY 2018: 2.0×FY 2019: 8.8×FY 2020: 3.4×FY 2021: 4.2×FY 2022: 4.3×FY 2023: 2.8×FY 2024: 2.6×FY 2025: 0.4×
FY 2016 5y median 2.8× FY 2025
EV/EBITDA 34.0×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 34.0×
FY 2016 5y median 0.0× FY 2025
EV/Sales 9.6×
FY 2016: 26.1×FY 2017: 28.1×FY 2018: 28.2×FY 2019: 25.6×FY 2020: 22.5×FY 2021: 24.1×FY 2022: 22.8×FY 2023: 24.9×FY 2024: 24.1×FY 2025: 9.6×
FY 2016 5y median 24.1× FY 2025
FCF Yield 263.7%
FY 2016: 36.8%FY 2017: 41.6%FY 2018: 48.8%FY 2019: 11.3%FY 2020: 29.3%FY 2021: 23.7%FY 2022: 23.3%FY 2023: 35.8%FY 2024: 37.8%FY 2025: 263.7%
FY 2016 5y median 35.8% FY 2025

Profitability

Gross Margin 38.8%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 100.0%FY 2020: 100.0%FY 2021: 100.0%FY 2022: 100.0%FY 2023: 254.7%FY 2024: 99.9%FY 2025: 38.8%
FY 2016 5y median 100.0% FY 2025
Operating Margin 27.0%
FY 2016: 63.5%FY 2017: 58.8%FY 2018: 61.5%FY 2019: 67.0%FY 2020: 63.8%FY 2021: 74.0%FY 2022: 71.4%FY 2023: 76.2%FY 2024: 74.3%FY 2025: 27.0%
FY 2016 5y median 74.0% FY 2025
Net Margin 21.9%
FY 2016: 49.4%FY 2017: 45.2%FY 2018: 47.4%FY 2019: 51.7%FY 2020: 54.3%FY 2021: 60.9%FY 2022: 57.4%FY 2023: 58.4%FY 2024: 63.3%FY 2025: 21.9%
FY 2016 5y median 58.4% FY 2025
ROE 13.3%
FY 2016: 11.6%FY 2017: 10.1%FY 2018: 10.6%FY 2019: 11.8%FY 2020: 11.0%FY 2021: 12.7%FY 2022: 12.9%FY 2023: 15.1%FY 2024: 17.8%FY 2025: 13.3%
FY 2016 5y median 13.3% FY 2025
ROIC 1.9%
FY 2016: 6.0%FY 2017: 5.3%FY 2018: 5.7%FY 2019: 15.5%FY 2020: 10.7%FY 2021: 51.8%FY 2022: 15.2%FY 2023: 1.1%FY 2024: 1.3%FY 2025: 1.9%
FY 2016 5y median 1.9% FY 2025
ROA 1.1%
FY 2016: 0.9%FY 2017: 0.8%FY 2018: 0.9%FY 2019: 1.0%FY 2020: 0.9%FY 2021: 1.1%FY 2022: 1.1%FY 2023: 1.2%FY 2024: 1.4%FY 2025: 1.1%
FY 2016 5y median 1.1% FY 2025

Growth (YoY)

Revenue 309.5%
FY 2016: 9.7%FY 2017: 1.6%FY 2018: 11.7%FY 2019: 10.7%FY 2020: -3.3%FY 2021: 10.3%FY 2022: 18.9%FY 2023: 23.6%FY 2024: 21.0%FY 2025: 309.5%
FY 2016 FY 2025
Operating Income 48.7%
FY 2016: 40.1%FY 2017: -5.8%FY 2018: 16.8%FY 2019: 20.6%FY 2020: -7.9%FY 2021: 27.8%FY 2022: 14.7%FY 2023: 32.0%FY 2024: 17.9%FY 2025: 48.7%
FY 2016 FY 2025
EPS (diluted) 0.7%
FY 2016: -1.3%FY 2017: -13.1%FY 2018: 408.9%FY 2019: -73.0%FY 2020: -1.5%FY 2021: 24.6%FY 2022: 12.2%FY 2023: 24.0%FY 2024: 30.7%FY 2025: 0.7%
FY 2016 FY 2025
Free Cash Flow 58.4%
FY 2016: -29.1%FY 2017: 7.4%FY 2018: 32.3%FY 2019: -73.4%FY 2020: 300.5%FY 2021: 29.4%FY 2022: 9.5%FY 2023: 63.1%FY 2024: 18.3%FY 2025: 58.4%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025
Quick Ratio 0.0×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025
Debt / Equity 5.8×
FY 2016: 6.0×FY 2017: 6.1×FY 2018: 6.2×FY 2019: 5.7×FY 2020: 4.3×FY 2021: 4.6×FY 2022: 4.7×FY 2023: 6.0×FY 2024: 6.4×FY 2025: 5.8×
FY 2016 5y median 5.8× FY 2025
Net Debt / EBITDA 33.7×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 33.7×
FY 2016 5y median 0.0× FY 2025
Interest Coverage 0.4×
FY 2016: 1.1×FY 2017: 1.0×FY 2018: 1.1×FY 2019: 1.0×FY 2020: 1.2×FY 2021: 2.7×FY 2022: 1.0×FY 2023: 0.5×FY 2024: 0.4×FY 2025: 0.4×
FY 2016 5y median 0.5× FY 2025

Dividends

Dividend Yield 88.8%
FY 2016: 4.2%FY 2017: 13.3%FY 2018: 12.2%FY 2019: 10.0%FY 2020: 16.4%FY 2021: 10.4%FY 2022: 10.6%FY 2023: 18.8%FY 2024: 23.2%FY 2025: 88.8%
FY 2016 5y median 18.8% FY 2025
Payout Ratio 35.3%
FY 2016: 7.8%FY 2017: 25.4%FY 2018: 22.5%FY 2019: 17.6%FY 2020: 43.8%FY 2021: 36.1%FY 2022: 36.5%FY 2023: 54.5%FY 2024: 57.5%FY 2025: 35.3%
FY 2016 5y median 36.5% FY 2025

Annual · latest fiscal year ends 2025-12-31