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S

Sparebank 1 Ostfold Akershus SOAG.OL · NOK

Financials · Oslo Børs · 🇳🇴 Norway

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456.00

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 1.23bn

FY2016FY2025

Net income

NOK 657.0m

FY2016FY2025

Total assets

NOK 31.41bn

FY2016FY2025

Shareholders' equity

NOK 5.27bn

FY2016FY2025

Income statement

Fiscal years

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue, before interest expenseNOK 1.23bnNOK 1.19bnNOK 1.12bnNOK 946.0mNOK 813.0mNOK 751.0mNOK 722.2mNOK 701.9mNOK 640.6mNOK 666.6m
Operating income——————NOK 489.2mNOK 437.1mNOK 404.4mNOK 404.1m
Net incomeNOK 657.0mNOK 652.0mNOK 493.0mNOK 452.0mNOK 443.0mNOK 369.0mNOK 403.6mNOK 358.2mNOK 320.9mNOK 332.0m
Diluted earnings per share49.5349.1637.1734.0833.3827.7941.4236.7732.9434.08

Balance sheet

At each fiscal year end

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Total assetsNOK 31.41bnNOK 29.42bnNOK 28.02bnNOK 26.67bnNOK 26.35bnNOK 25.64bnNOK 24.00bnNOK 23.44bnNOK 20.95bnNOK 19.87bn
Cash and short-term investments————NOK 94.0mNOK 92.0mNOK 102.7mNOK 67.4mNOK 82.2mNOK 73.6m
Total liabilitiesNOK 26.14bnNOK 24.38bnNOK 23.51bnNOK 22.37bnNOK 22.28bnNOK 21.90bnNOK 20.47bnNOK 20.11bnNOK 17.85bnNOK 17.19bn
DebtNOK 4.79bnNOK 4.89bnNOK 4.37bnNOK 3.91bnNOK 4.26bnNOK 4.86bnNOK 5.30bnNOK 6.35bnNOK 5.14bnNOK 5.00bn
Shareholders' equityNOK 5.27bnNOK 5.04bnNOK 4.52bnNOK 4.30bnNOK 4.08bnNOK 3.74bnNOK 3.53bnNOK 3.33bnNOK 3.10bnNOK 2.67bn
Shares outstanding13m13m13m13m13m13m10m10m10m10m

Latest quarters

By quarter end

Jun 2026Mar 2026Dec 2025Sept 2025Jun 2025Mar 2025Dec 2024Sept 2024
Revenue, before interest expenseNOK 350.0mNOK 308.0mNOK 297.0mNOK 310.0mNOK 337.0mNOK 290.0mNOK 302.0mNOK 292.0m
Net incomeNOK 183.0mNOK 126.0mNOK 144.0mNOK 157.0mNOK 243.0mNOK 114.0mNOK 125.0mNOK 250.0m
Diluted earnings per share13.809.5010.8611.8418.328.599.4218.85
Total assetsNOK 33.28bnNOK 32.38bnNOK 31.41bnNOK 31.65bnNOK 31.92bnNOK 30.90bnNOK 29.42bnNOK 29.13bn
Debt——NOK 4.79bnNOK 4.80bnNOK 5.08bnNOK 5.48bnNOK 4.89bnNOK 5.15bn
Shareholders' equityNOK 5.25bnNOK 5.08bnNOK 5.27bnNOK 5.27bnNOK 5.12bnNOK 4.89bnNOK 5.04bnNOK 4.75bn

Financial ratios

Data as of 14 Oct 2026

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating margin————84.1%88.9%108.5%94.1%93.8%91.4%
Net margin53.2%55.0%44.1%47.8%54.5%49.1%————
Return on equity12.5%12.9%10.9%10.5%10.9%9.9%————
Return on assets2.1%2.2%1.8%1.7%1.7%1.4%————
Revenue growth4.0%6.2%18.1%16.4%8.3%4.0%————
Earnings growth0.8%32.3%9.1%2.0%20.1%-8.6%————
Current ratio————0.24x0.24x0.23x1.31x1.31x1.32x
Debt to equity0.90x0.96x0.96x0.91x1.05x1.30x————
Equity ratio16.8%17.1%16.1%16.1%15.5%14.6%————
Interest coverage————5.07x3.14x2.66x2.96x——
Buybacks as a share of market value———0.0%0.1%-36.3%0.0%0.0%0.0%—

Growth per year

Compound annual rate

3 years5 years10 years
Revenue9.3%10.4%8.0%
Net income13.3%12.2%11.5%

Average margins

Over each period

1 year3 years5 years10 years
Net margin54.1%50.3%50.7%50.3%

Valuation history

At each fiscal year end

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Price to earnings9.27.78.69.310.49.55.85.35.84.9
Price to sales4.94.33.84.45.74.73.22.72.92.4

Dividends and splits

Per share, in the currency the company pays

Paid for 20 years. Last went ex-dividend on 26 Mar 2026.

FY2026FY2025FY2024FY2023FY2022FY2021FY2020FY2019
Paid in the year24.5030.1021.5017.8016.207.0012.0014.60

Sources and methodology

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

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