SpareBank 1 Helgeland (OSL:HELG)

Norway · Delayed Price · Currency is NOK

173.00

+17.02 (10.91%)

Aug 27, 2026, 12:29 PM CET

SpareBank 1 Helgeland Financials Overview

Financials in millions NOK. Fiscal year is January - December.

Millions NOK. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	1,037	1,125	1,185	1,083	959	664
Revenue Growth	-13.29%	-5.06%	9.42%	12.93%	44.43%	-23.85%
Net Income	437	379	439	375	345	149
Earnings Per Share	16.21	14.00	16.20	13.90	12.80	5.50
EPS Growth	8.87%	-13.58%	16.55%	8.59%	132.73%	-54.17%

Revenue by Segment

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Unallocated	375	434	262	188	44
Retail	425	446	503	412	347
Corporate Market	293	291	299	343	257
Total	1,093	1,171	1,064	943	648

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	1,468	1,361	1,374	989	1,544	969
Total Debt	8,679	9,063	8,445	6,883	8,346	11,059
Net Cash (Debt)	-7,211	-7,702	-7,071	-5,894	-6,802	-10,090
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-267.43	-284.51	-260.93	-218.47	-252.36	-372.45

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	-	-776	-548	2,314	2,363	-5,318
Capital Expenditures	-	-19	-37	-64	-99	-162
Free Cash Flow	-	-795	-585	2,250	2,264	-5,480
Free Cash Flow Growth	-	-	-	-0.62%	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Profit Margin	42.14%	33.69%	37.05%	34.63%	35.98%	22.44%
FCF Margin	-	-70.67%	-49.37%	207.76%	236.08%	-825.30%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 27, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	7.670	7.670	8.430	10.770	10.300	3.200
Dividend Per Share Growth	-9.02%	-9.01%	-21.73%	4.56%	221.88%	3.23%
Dividend Yield	4.86%	4.39%	6.44%	9.90%	11.12%	3.24%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 27, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	9.62	13.01	8.86	9.35	9.39	18.35
Forward PE	10.74	11.93	9.41	8.07	8.90	11.92
P/FCF Ratio	-	-	-	1.56	1.43	-
PS Ratio	4.06	4.38	3.28	3.24	3.38	4.12