Høland og Setskog Sparebank (OSL:HSPG)
Norway flag Norway · Delayed Price · Currency is NOK
145.30
0.00 (0.00%)
Aug 3, 2026, 3:12 PM CET

OSL:HSPG Financials Overview

Millions NOK. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
145.7229.8931.622.8317.426.07
Revenue Growth
-1.61%-5.40%38.41%31.21%-33.26%-72.18%
Net Income
41.8147.4455.0250.846.852.98
Earnings Per Share
60.786.839.6010.009.8011.84
EPS Growth
562.85%-28.85%-4.00%2.04%-17.23%0.60%

Revenue by Segment

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Unallocated
-35.05-31.89-10.6372.2871.5841.72
Retail Market
130.98135.33133.4976.8994.1187.14
Corporate Market
64.759.4141.4712.1-18.219.74
Total
160.64162.85164.33161.27147.49148.6

Cash & Debt

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Equivalents
480.62627.05291.4551.55240.716.77
Total Debt
2,9803,0552,7472,3182,1482,160
Net Cash (Debt)
-2,980-3,055-2,747-2,318-2,148-2,160
Net Cash Growth
------
Net Cash Per Share
-4332.11-4441.60-3992.67-3369.73-3122.63-3139.85

Cash Flow & CapEx

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
333.58139.58-539.83266.98.09155.76
Capital Expenditures
--58.05-15.97-1.65-6.65-22.09
Free Cash Flow
333.5881.53-555.79265.251.44133.67
Free Cash Flow Growth
---18307.15%-98.92%-

Margins

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Pretax Margin
34.50%193.03%220.91%288.07%333.29%256.90%
Profit Margin
33.22%158.71%174.15%222.55%268.99%203.21%
FCF Margin
228.92%272.79%-1759.12%1161.94%8.28%512.74%

Dividends

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
5.0005.0009.0007.0007.0007.000
Dividend Per Share Growth
-44.44%-44.44%28.57%0%0%40.00%
Dividend Yield
3.44%5.90%4.83%5.38%4.40%4.83%

Valuation

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
27.3022.3315.1013.0016.2212.25
Forward PE
32.4016.8613.518.9110.289.82
P/FCF Ratio
0.361.29-0.3475.900.75
PS Ratio
0.623.513.163.926.293.83