SpareBank 1 Sør-Norge ASA (OSL:SB1NO)
Norway · Delayed Price · Currency is NOK 211.50
+2.50 (1.20%)
Jul 30, 2026, 4:25 PM CET
SpareBank 1 Sør-Norge ASA Financials Overview
Financials in millions NOK. Fiscal year is January - December.
Millions NOK. Fiscal year is Jan - Dec.
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Mar '26 Mar 31, 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 Revenue Growth | 13,505 | 13,689 | 10,352 | 8,975 | 7,037 | 6,552 |
Revenue Growth | 17.46% | 32.23% | 15.34% | 27.54% | 7.40% | 55.74% |
Net Income Net Income Growth | 6,238 | 6,365 | 4,911 | 4,300 | 3,293 | 3,089 |
Earnings Per Share EPS Growth | 16.67 | 16.98 | 13.08 | 16.27 | 12.88 | 12.08 |
EPS Growth | -3.31% | 29.82% | -19.61% | 26.32% | 6.62% | 94.21% |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Mar '26 Mar 31, 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 |
Other Activities Other Activities Growth | 4,588 | 4,704 | 3,235 | 2,225 | 1,897 | 2,045 |
Eliminations Eliminations Growth | -115 | -108 | -92 | -85 | -87 | -63 |
Retail Market Retail Market Growth | 4,673 | 4,696 | 3,296 | 2,764 | 2,427 | 2,357 |
Corporate Market Corporate Market Growth | 2,591 | 2,626 | 2,645 | 3,006 | 2,072 | 1,629 |
SME & Agriculture SME & Agriculture Growth | - | 1,771 | 1,269 | 1,067 | 727 | 582 |
Total Total Growth | 13,508 | 13,689 | 10,353 | 8,977 | 7,036 | 6,550 |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Mar '26 Mar 31, 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 & Equivalents Cash Growth | 121 | 121 | 119 | 88 | 76 | 78 |
Total Debt Total Debt Growth | 207,283 | 211,294 | 209,165 | 158,154 | 146,815 | 131,871 |
Net Cash (Debt) Net Cash Growth | -207,283 | -211,294 | -209,165 | -158,154 | -146,815 | -131,871 |
Net Cash Growth | - | - | - | - | - | - |
Net Cash Per Share Net Cash Per Share Growth | -553.93 | -563.67 | -557.09 | -598.41 | -574.24 | -515.70 |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Mar '26 Mar 31, 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 Operating Cash Flow Growth | -5,153 | 10,032 | -7,717 | 8,663 | -15,653 | -7,435 |
Capital Expenditures CapEx Growth | -199 | -208 | -184 | -124 | -97 | -177 |
Free Cash Flow Free Cash Flow Growth | -5,352 | 9,824 | -7,901 | 8,539 | -15,750 | -7,612 |
Free Cash Flow Growth | - | - | - | - | - | - |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Mar '26 Mar 31, 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 |
Pretax Margin | 60.48% | 60.99% | 61.97% | 63.25% | 59.84% | 58.58% |
Profit Margin | 48.55% | 48.90% | 50.16% | 49.86% | 48.00% | 48.17% |
FCF Margin | -39.63% | 71.77% | -76.32% | 95.14% | -223.82% | -116.18% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jul '26 Jul 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 |
Dividend Per Share Dividend Per Share Growth | 12.000 | 12.000 | 8.500 | 7.500 | 7.000 | 6.000 |
Dividend Per Share Growth | 41.18% | 41.18% | 13.33% | 7.14% | 16.67% | 93.55% |
Dividend Yield | 5.74% | 4.29% | 3.60% | 5.25% | 4.97% | 6.46% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jul '26 Jul 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 |
PE Ratio | 12.67 | 11.68 | 11.21 | 7.92 | 9.37 | 11.03 |
Forward PE | 12.41 | 12.49 | 9.46 | 8.04 | 9.18 | 12.43 |
P/FCF Ratio | 8.04 | 7.57 | - | 3.99 | - | - |
PS Ratio | 5.88 | 5.43 | 5.32 | 3.79 | 4.39 | 5.20 |