SpareBank 1 Østfold Akershus (OSL:SOAG)
Norway · Delayed Price · Currency is NOK 442.00
-0.90 (-0.20%)
Sep 14, 2026, 9:00 AM CET
OSL:SOAG 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 | 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 Revenue Growth | 1,346 | 1,371 | 1,314 | 1,115 | 980 | 927 |
Revenue Growth | -4.74% | 4.34% | 17.85% | 13.78% | 5.72% | 12.77% |
Net Income Net Income Growth | 567 | 612 | 607 | 461 | 423 | 415 |
Earnings Per Share EPS Growth | 45.82 | 49.36 | 49.01 | 37.27 | 34.14 | 33.46 |
EPS Growth | -15.21% | 0.71% | 31.50% | 9.15% | 2.04% | 20.15% |
| 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 Unallocated Growth | 204 | 252 | 94 | 77 | 130 |
Retail Market Retail Market Growth | 595 | 554 | 576 | 553 | 498 |
Corporate Market Corporate Market Growth | 420 | 381 | 328 | 277 | 215 |
Realtor Realtor Growth | 104 | 85 | 78 | 82 | 84 |
Accounting Services Accounting Services Growth | 48 | 44 | 41 | - | - |
Total Total Growth | 1,371 | 1,316 | 1,117 | 989 | 927 |
| 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 Cash & Investments Growth | 5,312 | 4,545 | 4,086 | 4,472 | 4,106 | 4,379 |
Total Debt Total Debt Growth | 5,196 | 4,865 | 4,994 | 4,483 | 4,031 | 4,316 |
Net Cash (Debt) Net Cash Growth | 116 | -320 | -908 | -11 | 75 | 63 |
Net Cash Growth | - | - | - | - | 19.05% | - |
Net Cash Per Share Net Cash Per Share Growth | 9.37 | -25.81 | -73.31 | -0.89 | 6.05 | 5.09 |
| 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 Operating Cash Flow Growth | 501 | 722 | -491 | 334 | 315 | 744 |
Capital Expenditures CapEx Growth | -10 | -6 | -13 | - | -15 | -15 |
Free Cash Flow Free Cash Flow Growth | 491 | 716 | -504 | 334 | 300 | 729 |
Free Cash Flow Growth | 3991.67% | - | - | 11.33% | -58.85% | -9.33% |
| 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 | 42.13% | 44.64% | 46.20% | 41.34% | 43.16% | 44.77% |
FCF Margin | 36.48% | 52.23% | -38.36% | 29.95% | 30.61% | 78.64% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 15, 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 | 24.500 | 24.500 | 20.100 | 21.500 | 17.800 | 16.200 |
Dividend Per Share Growth | 71.64% | 21.89% | -6.51% | 20.79% | 9.88% | 362.86% |
Dividend Yield | 5.63% | 5.71% | 5.98% | 8.12% | 7.19% | 6.21% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 15, 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 | 9.65 | 9.18 | 7.75 | 8.60 | 9.25 | 10.39 |
Forward PE | 9.91 | 10.11 | 8.46 | 8.12 | 8.75 | 12.18 |
P/FCF Ratio | 11.15 | 7.84 | - | 11.87 | 13.05 | 5.91 |
PS Ratio | 4.07 | 4.10 | 3.58 | 3.56 | 3.99 | 4.65 |