SpareBank 1 Østfold Akershus (OSL:SOAG)

Norway · Delayed Price · Currency is NOK

447.10

-12.90 (-2.80%)

Nov 13, 2026, 4:18 PM CET

OSL:SOAG 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	Sep '26 Sep 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	1,357	1,371	1,314	1,115	980	927
Revenue Growth	1.65%	4.34%	17.85%	13.78%	5.72%	12.77%
Net Income	600	612	607	461	423	415
Earnings Per Share	45.26	49.36	49.01	37.27	34.14	33.46
EPS Growth	-3.55%	0.71%	31.50%	9.15%	2.04%	20.15%

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	204	252	94	77	130
Retail Market	595	554	576	553	498
Corporate Market	420	381	328	277	215
Realtor	104	85	78	82	84
Accounting Services	48	44	41	-	-
Total	1,371	1,316	1,117	989	927

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 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	135	4,545	4,086	4,472	4,106	4,379
Total Debt	5,791	4,865	4,994	4,483	4,031	4,316
Net Cash (Debt)	-5,656	-320	-908	-11	75	63
Net Cash Growth	-	-	-	-	19.05%	-
Net Cash Per Share	-426.62	-25.81	-73.31	-0.89	6.05	5.09

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 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	-385	722	-491	334	315	744
Capital Expenditures	-6	-6	-13	-	-15	-15
Free Cash Flow	-391	716	-504	334	300	729
Free Cash Flow Growth	-	-	-	11.33%	-58.85%	-9.33%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 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	44.21%	44.64%	46.20%	41.34%	43.16%	44.77%
FCF Margin	-28.81%	52.23%	-38.36%	29.95%	30.61%	78.64%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 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	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	5.48%	5.41%	5.29%	6.72%	5.63%	4.66%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 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	9.88	9.18	7.75	8.60	9.25	10.39
Forward PE	9.73	10.11	8.46	8.12	8.75	12.18
P/FCF Ratio	-	7.84	-	11.87	13.05	5.91
PS Ratio	4.08	4.10	3.58	3.56	3.99	4.65