SPAREBANK 1 RINGERIKE HADELA (RING.OL) Stock Fundamental Analysis

OSL:RING • NO0006390400

455 NOK
+21 (+4.84%)
Last: Feb 13, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

4

Taking everything into account, RING scores 4 out of 10 in our fundamental rating. RING was compared to 109 industry peers in the Banks industry. Both the profitability and the financial health of RING get a neutral evaluation. Nothing too spectacular is happening here. RING has a decent growth rate and is not valued too expensively. Finally RING also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • RING had positive earnings in the past year.
  • RING had a positive operating cash flow in the past year.
  • In the past 5 years RING has always been profitable.
  • RING had a positive operating cash flow in each of the past 5 years.
RING.OL Yearly Net Income VS EBIT VS OCF VS FCFRING.OL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B -1B

1.2 Ratios

  • The Return On Assets of RING (2.16%) is better than 97.25% of its industry peers.
  • The Return On Equity of RING (13.08%) is better than 64.22% of its industry peers.
Industry RankSector Rank
ROA 2.16%
ROE 13.08%
ROIC N/A
ROA(3y)1.68%
ROA(5y)1.58%
ROE(3y)10.62%
ROE(5y)10.26%
ROIC(3y)N/A
ROIC(5y)N/A
RING.OL Yearly ROA, ROE, ROICRING.OL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • RING's Profit Margin of 49.04% is amongst the best of the industry. RING outperforms 97.25% of its industry peers.
  • In the last couple of years the Profit Margin of RING has remained more or less at the same level.
  • The Operating Margin and Gross Margin are not available for RING so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 49.04%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.62%
PM growth 5Y1.24%
GM growth 3YN/A
GM growth 5YN/A
RING.OL Yearly Profit, Operating, Gross MarginsRING.OL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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4

2. Health

2.1 Basic Checks

  • Compared to 1 year ago, RING has about the same amount of shares outstanding.
  • RING has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for RING has been reduced compared to a year ago.
RING.OL Yearly Shares OutstandingRING.OL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
RING.OL Yearly Total Debt VS Total AssetsRING.OL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

2.2 Solvency

  • The Debt to FCF ratio of RING is 3.15, which is a good value as it means it would take RING, 3.15 years of fcf income to pay off all of its debts.
  • RING has a better Debt to FCF ratio (3.15) than 94.50% of its industry peers.
  • RING has a Debt/Equity ratio of 0.81. This is a neutral value indicating RING is somewhat dependend on debt financing.
  • RING has a Debt to Equity ratio of 0.81. This is in the better half of the industry: RING outperforms 75.23% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.81
Debt/FCF 3.15
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
RING.OL Yearly LT Debt VS Equity VS FCFRING.OL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
RING.OL Yearly Current Assets VS Current LiabilitesRING.OL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • RING shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 14.49%, which is quite good.
  • RING shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.59% yearly.
  • Looking at the last year, RING shows a small growth in Revenue. The Revenue has grown by 5.46% in the last year.
  • RING shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.25% yearly.
EPS 1Y (TTM)14.49%
EPS 3Y16.43%
EPS 5Y10.59%
EPS Q2Q%-33.38%
Revenue 1Y (TTM)5.46%
Revenue growth 3Y14.59%
Revenue growth 5Y9.25%
Sales Q2Q%-24.15%

3.2 Future

  • The Earnings Per Share is expected to decrease by -4.72% on average over the next years.
  • The Revenue is expected to grow by 1.25% on average over the next years.
EPS Next Y-4.22%
EPS Next 2Y-8.02%
EPS Next 3Y-4.72%
EPS Next 5YN/A
Revenue Next Year7.21%
Revenue Next 2Y0.67%
Revenue Next 3Y1.25%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
RING.OL Yearly Revenue VS EstimatesRING.OL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B
RING.OL Yearly EPS VS EstimatesRING.OL Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 10 20 30 40

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5

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 10.09 indicates a reasonable valuation of RING.
  • Based on the Price/Earnings ratio, RING is valued a bit cheaper than 67.89% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.68, RING is valued rather cheaply.
  • RING is valuated correctly with a Price/Forward Earnings ratio of 12.29.
  • 68.81% of the companies in the same industry are cheaper than RING, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 28.06. RING is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.09
Fwd PE 12.29
RING.OL Price Earnings VS Forward Price EarningsRING.OL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, RING is valued cheaper than 82.57% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.15
EV/EBITDA N/A
RING.OL Per share dataRING.OL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 100 200 300

4.3 Compensation for Growth

  • RING's earnings are expected to decrease with -4.72% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.95
EPS Next 2Y-8.02%
EPS Next 3Y-4.72%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 6.91%, RING is a good candidate for dividend investing.
  • RING's Dividend Yield is rather good when compared to the industry average which is at 4.35. RING pays more dividend than 88.07% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.84, RING pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.91%

5.2 History

  • On average, the dividend of RING grows each year by 14.08%, which is quite nice.
Dividend Growth(5Y)14.08%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • RING pays out 68.77% of its income as dividend. This is not a sustainable payout ratio.
  • The Dividend Rate of RING has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP68.77%
EPS Next 2Y-8.02%
EPS Next 3Y-4.72%
RING.OL Yearly Income VS Free CF VS DividendRING.OL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B -1B
RING.OL Dividend Payout.RING.OL Dividend Payout, showing the Payout Ratio.RING.OL Dividend Payout.PayoutRetained Earnings

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SPAREBANK 1 RINGERIKE HADELA

OSL:RING (2/13/2026, 7:00:00 PM)

455

+21 (+4.84%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-13
Earnings (Next)05-06
Inst Owners9.02%
Inst Owner ChangeN/A
Ins Owners2.32%
Ins Owner ChangeN/A
Market Cap7.12B
Revenue(TTM)1.43B
Net Income(TTM)700.85M
Analysts45.45
Price Target413.1 (-9.21%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 6.91%
Yearly Dividend20.57
Dividend Growth(5Y)14.08%
DP68.77%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)26.48%
Min EPS beat(2)14.23%
Max EPS beat(2)38.72%
EPS beat(4)3
Avg EPS beat(4)18.08%
Min EPS beat(4)-6.4%
Max EPS beat(4)38.72%
EPS beat(8)5
Avg EPS beat(8)8.2%
EPS beat(12)7
Avg EPS beat(12)6.3%
EPS beat(16)8
Avg EPS beat(16)3.23%
Revenue beat(2)2
Avg Revenue beat(2)13.72%
Min Revenue beat(2)3.34%
Max Revenue beat(2)24.1%
Revenue beat(4)3
Avg Revenue beat(4)5.23%
Min Revenue beat(4)-7.19%
Max Revenue beat(4)24.1%
Revenue beat(8)4
Avg Revenue beat(8)2.05%
Revenue beat(12)6
Avg Revenue beat(12)2.38%
Revenue beat(16)8
Avg Revenue beat(16)1.58%
PT rev (1m)2.14%
PT rev (3m)4.79%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.62%
EPS NY rev (1m)0%
EPS NY rev (3m)8.13%
Revenue NQ rev (1m)-0.16%
Revenue NQ rev (3m)-0.3%
Revenue NY rev (1m)0%
Revenue NY rev (3m)6.65%
Valuation
Industry RankSector Rank
PE 10.09
Fwd PE 12.29
P/S 4.98
P/FCF 5.15
P/OCF 5.06
P/B 1.33
P/tB 1.35
EV/EBITDA N/A
EPS(TTM)45.11
EY9.91%
EPS(NY)37.02
Fwd EY8.14%
FCF(TTM)88.43
FCFY19.44%
OCF(TTM)89.84
OCFY19.75%
SpS91.31
BVpS342.36
TBVpS338.08
PEG (NY)N/A
PEG (5Y)0.95
Graham Number589.48
Profitability
Industry RankSector Rank
ROA 2.16%
ROE 13.08%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 49.04%
GM N/A
FCFM 96.85%
ROA(3y)1.68%
ROA(5y)1.58%
ROE(3y)10.62%
ROE(5y)10.26%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.62%
PM growth 5Y1.24%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.81
Debt/FCF 3.15
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 197.48%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)107.91%
Profit Quality(5y)93.45%
High Growth Momentum
Growth
EPS 1Y (TTM)14.49%
EPS 3Y16.43%
EPS 5Y10.59%
EPS Q2Q%-33.38%
EPS Next Y-4.22%
EPS Next 2Y-8.02%
EPS Next 3Y-4.72%
EPS Next 5YN/A
Revenue 1Y (TTM)5.46%
Revenue growth 3Y14.59%
Revenue growth 5Y9.25%
Sales Q2Q%-24.15%
Revenue Next Year7.21%
Revenue Next 2Y0.67%
Revenue Next 3Y1.25%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y2168.85%
FCF growth 3Y39.82%
FCF growth 5Y120.83%
OCF growth 1Y2131.75%
OCF growth 3Y39.39%
OCF growth 5Y116.55%

SPAREBANK 1 RINGERIKE HADELA / RING.OL FAQ

What is the fundamental rating for RING stock?

ChartMill assigns a fundamental rating of 4 / 10 to RING.OL.


What is the valuation status of SPAREBANK 1 RINGERIKE HADELA (RING.OL) stock?

ChartMill assigns a valuation rating of 5 / 10 to SPAREBANK 1 RINGERIKE HADELA (RING.OL). This can be considered as Fairly Valued.


What is the profitability of RING stock?

SPAREBANK 1 RINGERIKE HADELA (RING.OL) has a profitability rating of 4 / 10.


What is the valuation of SPAREBANK 1 RINGERIKE HADELA based on its PE and PB ratios?

The Price/Earnings (PE) ratio for SPAREBANK 1 RINGERIKE HADELA (RING.OL) is 10.09 and the Price/Book (PB) ratio is 1.33.


What is the financial health of SPAREBANK 1 RINGERIKE HADELA (RING.OL) stock?

The financial health rating of SPAREBANK 1 RINGERIKE HADELA (RING.OL) is 4 / 10.