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Norway
In shortSparebank 1 Ringerike Hadeland 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. | – | n/a |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | 50.8% | 100/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | 13.6% | 68/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | 70.9% | n/a |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | 1.40× | n/a |
| Years with positive free cash flow (last 5) | 5 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 5 | 100/100 |
| Revenue growth volatility | 10.3% | 73/100 |
| Operating margin volatility | – | n/a |
Weight in the score: 20%
| Revenue growth, 3-year average | 15.0% | 100/100 |
|---|---|---|
| EPS growth, 3-year average | – | n/a |
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.
1 older year available with the 10-year history. Essential plan, from €8.25/month →
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 | 921 | 949 | 1,081 | 1,389 | 1,445 |
| Interest expense | 143 | 349 | 787 | 999 | 986 |
| Pre-tax income | 558 | 535 | 612 | 878 | 905 |
| Income tax | 112 | 114 | 150 | 173 | 171 |
| Net income | 446 | 421 | 461 | 704 | 734 |
1 older year available with the 10-year history. Essential plan, from €8.25/month →
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