Sparebanken Norge SBNOR
Oslo Børs · Financial Services · Banks - Regional
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Annual accounts for Sparebanken Norge
| NOK million | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Income statement | ||||
| Revenue | 5,078 | 6,200 | 7,450 | 11,679 |
| EBITDA | – | – | – | – |
| Net income | 2,759 | 3,442 | 4,494 | 6,213 |
| Balance sheet | ||||
| Equity | 21,893 | 23,424 | 26,117 | 53,558 |
| Total debt | 102,598 | 128,072 | 117,189 | 198,065 |
| Cash | 143 | 387 | 483 | 86 |
| Net debt | 102,455 | 127,685 | 116,706 | 197,979 |
| Ratios and per share | ||||
| EBITDA margin | – | – | – | – |
| Profit margin | 54.3% | 55.5% | 60.3% | 53.2% |
| Return on equity | 12.6% | 14.7% | 17.2% | 11.6% |
| Earnings/share (NOK) | 25.17 | 31.38 | 40.98 | 35.86 |
| Book value/share (NOK) | 199.73 | 213.56 | 238.15 | 309.17 |
| Shares outstanding (M) | 110 | 110 | 110 | 173 |
From the annual statements (Yahoo Finance), in the currency the company reports in. Per-share figures use the shares at the year end. Charts and annual figures →
Quarterly figures from the reports
BetaFrom the company's own reports: 12 reports read by AI, every figure checked against the report's page and arithmetic.
Source: the Q2 2026 report, page 28, published 2026-08-11.
| Quarter | Total income | Profit before losses | Profit | EPS | Adj. EPS | Source |
|---|---|---|---|---|---|---|
| Q2 2026 | 0 | 0 | 0 | 3.87 | … | Q2 2026, p. 28 |
| Q1 2026 | 0 | 0 | 0 | 4.48 | … | Q1 2026, p. 26 |
| Q4 2025 | 0 | 0 | 0 | 3.90 | … | Q4 2025, p. 26 |
| Q3 2025 | 3,366 | 2,376 | 1,796 | – | … | Q3 2025, p. 25 |
| Q2 2025 | −1,972 | 0 | −1,332 | 4.33 | … | Q2 2026, p. 28 |
| Q1 2025 | 1,972 | 5,374 | 1,332 | 4.78 | … | Q1 2025, p. 14 |
| Q4 2024 | 1,957 | 1,404 | 1,084 | 3.87 | … | Q4 2024, p. 13 |
| Q3 2024 | 2,032 | 4,418 | 1,243 | – | … | Q3 2025, p. 25 |
| Q2 2024 | −1,742 | 4 | −1,187 | – | … | Q2 2025, p. 23 |
| Q1 2024 | 1,742 | 1,098 | 1,224 | 4.40 | … | Q1 2025, p. 14 |
| Q4 2023 | 1,739 | 1,287 | 1,001 | 3.60 | … | Q4 2024, p. 13 |
| Q3 2023 | 1,328 | 2,543 | – | – | … | Q3 2023, p. 19 |
Amounts in NOK million, EPS in NOK. Each quarter as first reported, as a backtest would have seen it. Adjusted EPS (without one-off items) is shown once the one-off items have been checked against the companies' own adjusted figures.
One-off items in the reports
- 2026-06-30 merger costs: +26.0 NOK million (Q2 2026, p. 5)
- 2026-06-30 Depreciation related to amortization of excess values arising from the previously mentioned mergers: +44.0 NOK million (Q2 2026, p. 8)
- 2026-03-31 merger costs: +23.0 NOK million (Q1 2026, p. 5)
- 2026-03-31 amortization of excess values arising from the previously mentioned mergers: +44.0 NOK million (Q1 2026, p. 8)
- 2026-03-31 Tax effect of amortisation of intangible assets related to the merger in 2025: −11.0 NOK million (Q1 2026, p. 60)
- 2025-12-31 depreciation of excess values arising from the mergers: +43.0 NOK million (Q4 2025, p. 8)
- 2025-09-30 merger costs: +19.0 NOK million (Q3 2025, p. 4)
- 2025-09-30 amortization of excess values related to the merger of Sparebanken Sør and Sp arebanken Vest: +43.0 NOK million (Q3 2025, p. 7)
Found by AI and still being validated: hover for the report's own words.
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Extracted by an AI model from the reports and can be wrong. Not investment advice.
Key figures
| P/E | 5.6 |
| P/B | 0.7 |
| EV / EBITDA | – |
| Net debt / EBITDA | – |
| Return on equity | 11.6% |
| Profit margin | 53.2% |
| Beta 1Y | 0.38 |
| Revenue growth 1Y | +56.8% |
| Revenue CAGR 3Y | +32.0% |
| Earnings/share CAGR 3Y | +12.5% |
| ROE avg. 3Y | 14.5% |
Ratios use the latest annual report that was public 90 days after the year end.
Dividends per share (NOK)
| 2026 | 12.00 |
| 2025 | 8.50 |
| 2024 | 7.50 |
| 2023 | 8.50 |
| 2022 | 4.50 |
Not investment advice. Figures may contain errors from the data source.