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S

Sparebank 1 Ringerike Hadeland RING.OL · NOK

Financials · Oslo Børs · 🇳🇴 Norway

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446.00

0.00%

Close of 9 Nov 2026, in NOK

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At a glance

Figures in NOK, from our data supplier.

FY2025

Revenue, before interest expense

NOK 1.37bn

FY2016FY2025

Net income

NOK 734.0m

FY2016FY2025

Total assets

NOK 32.74bn

FY2016FY2025

Shareholders' equity

NOK 5.53bn

FY2016FY2025

Income statement

Fiscal years

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue, before interest expenseNOK 1.37bnNOK 1.29bnNOK 1.08bnNOK 922.0mNOK 831.0mNOK 751.3mNOK 778.9mNOK 742.9mNOK 691.4mNOK 698.6m
Operating income——————NOK 517.4mNOK 425.6mNOK 397.1mNOK 411.6m
Net incomeNOK 734.0mNOK 704.6mNOK 461.6mNOK 420.6mNOK 445.5mNOK 366.5mNOK 425.3mNOK 339.3mNOK 329.8mNOK 323.0m
Diluted earnings per share45.8844.0428.8526.2927.7522.8126.4621.1120.5220.10

Balance sheet

At each fiscal year end

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Total assetsNOK 32.74bnNOK 31.53bnNOK 30.29bnNOK 29.61bnNOK 27.98bnNOK 27.24bnNOK 25.06bnNOK 23.79bnNOK 22.16bnNOK 21.65bn
Cash and short-term investments————NOK 91.0mNOK 95.0mNOK 94.4mNOK 98.1mNOK 94.8mNOK 99.2m
Total liabilitiesNOK 27.21bnNOK 26.25bnNOK 25.54bnNOK 25.29bnNOK 23.80bnNOK 23.30bnNOK 21.27bnNOK 20.25bnNOK 18.79bnNOK 18.75bn
DebtNOK 4.11bnNOK 4.86bnNOK 5.73bnNOK 5.80bnNOK 5.50bnNOK 5.89bnNOK 6.03bnNOK 5.71bnNOK 6.39bnNOK 11.39bn
Shareholders' equityNOK 5.53bnNOK 5.28bnNOK 4.75bnNOK 4.32bnNOK 4.18bnNOK 3.94bnNOK 3.78bnNOK 3.54bnNOK 3.36bnNOK 2.90bn
Shares outstanding16m16m16m16m16m16m16m16m16m16m

Latest quarters

By quarter end

Jun 2026Mar 2026Dec 2025Sept 2025Jun 2025Mar 2025Dec 2024Sept 2024
Revenue, before interest expenseNOK 353.0mNOK 316.0mNOK 331.0m—NOK 410.0mNOK 313.0mNOK 282.0mNOK 367.0m
Net incomeNOK 197.0mNOK 165.0mNOK 182.6mNOK 159.8mNOK 242.4mNOK 147.9mNOK 168.6mNOK 248.9m
Diluted earnings per share12.3110.3111.419.9915.159.2410.5415.56
Total assetsNOK 33.11bnNOK 33.25bnNOK 32.74bnNOK 32.39bnNOK 32.39bnNOK 31.73bnNOK 31.53bnNOK 31.47bn
Debt——NOK 4.11bnNOK 4.36bnNOK 4.49bnNOK 4.47bnNOK 4.86bnNOK 5.03bn
Shareholders' equityNOK 5.19bnNOK 5.00bnNOK 5.53bnNOK 5.36bnNOK 5.19bnNOK 4.95bnNOK 5.28bnNOK 4.96bn

Financial ratios

Data as of 11 Oct 2026

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating margin————84.3%91.0%106.9%90.9%95.2%94.8%
Net margin53.7%54.4%42.5%45.6%53.6%48.8%————
Return on equity13.3%13.3%9.7%9.7%10.7%9.3%————
Return on assets2.2%2.2%1.5%1.4%1.6%1.3%————
Revenue growth5.6%19.3%17.7%11.0%10.6%-3.5%————
Earnings growth4.2%52.6%9.7%-5.6%21.6%-13.8%————
Current ratio———0.17x1.29x1.30x1.40x1.44x1.45x—
Debt to equity0.74x0.92x1.20x1.34x1.24x1.50x————
Equity ratio16.9%16.7%15.7%14.6%14.9%14.4%————
Interest coverage————4.90x2.98x2.64x2.68x——
Buybacks as a share of market value———0.3%0.1%0.0%0.0%0.0%0.0%—

Growth per year

Compound annual rate

3 years5 years10 years
Revenue14.0%12.7%9.0%
Net income20.4%14.9%12.6%

Average margins

Over each period

1 year3 years5 years10 years
Net margin54.1%49.7%50.1%49.0%

Valuation history

At each fiscal year end

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Price to earnings9.07.510.512.311.910.48.79.19.38.8
Price to sales4.94.14.55.66.45.14.74.24.44.1

Dividends and splits

Per share, in the currency the company pays

Paid for 29 years. Last went ex-dividend on 27 Mar 2026.

FY2026FY2025FY2024FY2023FY2022FY2021FY2020FY2019
Paid in the year26.3530.0020.0013.1013.9011.4013.3010.60

Sources and methodology

Data on this tab
Our data supplier
Chart on the Overview
TradingView

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