Høland og Setskog Sparebank (OSL:HSPG)

OSL:HSPG Ratios and Metrics

Market cap in millions NOK. Fiscal year is January - December.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	109	105	100	89	109	100
Market Cap Growth	-1.25%	5.17%	11.54%	-18.24%	9.65%	14.17%
Last Close Price	158.00	147.73	132.21	112.15	130.93	114.46
PE Ratio	23.13	22.25	15.11	13.00	16.22	12.25
PS Ratio	0.67	0.64	0.61	0.56	0.74	0.67
PB Ratio	0.09	0.09	0.10	0.10	0.13	0.13
P/FCF Ratio	1.33	1.29	-	0.34	75.90	0.75
P/OCF Ratio	0.78	0.75	-	0.34	13.52	0.64
Debt / Equity Ratio	2.65	2.65	2.78	2.57	2.56	2.84
Debt / FCF Ratio	37.47	37.47	-	8.74	1493.66	16.32
Net Debt / Equity Ratio	1.38	1.38	1.37	0.78	1.05	1.00
Net Debt / FCF Ratio	19.48	19.48	-2.44	2.66	612.13	5.77
Return on Equity (ROE)	4.43%	4.43%	5.82%	5.83%	5.82%	7.14%
Return on Assets (ROA)	0.53%	0.53%	0.66%	0.64%	0.61%	0.71%
Earnings Yield	4.34%	45.22%	55.16%	56.81%	42.79%	53.11%
FCF Yield	75.02%	77.72%	-557.21%	296.61%	1.32%	134.01%
Dividend Yield	3.16%	3.38%	6.81%	6.24%	5.35%	6.12%
Payout Ratio	13.05%	13.05%	8.75%	9.48%	10.29%	15.59%
Buyback Yield / Dilution	-0.38%	-0.38%	0.01%	0.04%	-0.03%	-0.02%
Total Shareholder Return	2.79%	3.01%	6.82%	6.28%	5.32%	6.09%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.