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Norway
In shortSparebank 1 Østlandet is profitable.
Financial health
Strong
Built from five areas over the last five annual reports. Tap an area to see the figures behind it. Bank or insurer: tests that do not apply to them are left out.
| Operating marginShare of each sale left after running the business, before interest and tax. | 46.4% | 100/100 |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | 44.1% | 100/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | 12.5% | 62/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | 85.2% | n/a |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | 1.93× | n/a |
| Years with positive free cash flow (last 5) | 3 of 5 | n/a |
Weight in the score: 20%
| Profitable years (last 5) | 5 of 5 | 100/100 |
|---|---|---|
| Years of revenue decline (last 5) | 0 of 4 | 100/100 |
| Revenue growth volatility | 12.7% | 64/100 |
| Operating margin volatility | 2.6% | 86/100 |
Weight in the score: 20%
| Revenue growth, 3-year average | 19.9% | 100/100 |
|---|---|---|
| EPS growth, 3-year average | 17.0% | 100/100 |
Weight in the score: 10%
Fiscal year 2025 · change vs prior year
European data comes from annual reports in ESEF format (since 2020). Industry and ticker are not provided by this source.
Annual figures as reported. Hover a bar or point for the exact value.
The last 5 fiscal years from the company's annual reports.
NOK millions; negative values in parentheses.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | 4,423 | 4,443 | 5,343 | 6,946 | 7,654 |
| Operating income | 2,022 | 1,948 | 2,222 | 3,356 | 3,549 |
| Interest expense | 879 | 2,176 | 5,045 | 6,824 | 7,272 |
| Pre-tax income | 2,438 | 2,379 | 2,845 | 4,052 | 4,279 |
| Income tax | 416 | 431 | 623 | 696 | 730 |
| Net income | 1,985 | 1,880 | 2,149 | 3,206 | 3,377 |
| Diluted EPS | kr11.96 | kr11.37 | kr12.99 | kr19.07 | kr18.19 |
Not computed: the model does not apply to banks and insurers.
Not computed: it needs two consecutive complete years.
All figures: filings.xbrl.org (ESEF). Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Dec 31, 2025 · Data updated Mar 5, 2026