Español 
Deutsch 
Français 
MSCI World Index (MSC)
NASDAQ Composite (NASDAQ)
FTSE China A50 Index (FGI)
STOXX Europe 600 (SIX)
Nikkei 300 (OSA)
NIFTY 50 (NSE)
DAX Performance Index (XETRA)
FTSE 100 (FGI)
CAC 40 (EURONEXT)
SpareBank 1 Ringerike Hadeland (RING.OL)
Hønefoss, NO
SpareBank 1 Ringerike Hadeland operates within Norway, providing a wide array of financial products and services tailored for both individual consumers and corporate entities. Its comprehensive portfolio includes various account types, such as savings, checking, deposit, and foreign currency accounts. The bank also offers a broad spectrum of insurance coverage, encompassing policies for vehicles, homes, travel, and even animals, alongside personal protection like life, child, disability, critical illness, accident, and health insurance, as well as business and personal risk management solutions. Customers can conveniently manage their finances through mobile and online banking platforms, and they are provided with debit and credit card options. Regarding lending, the institution furnishes home mortgages, financing for cars, boats, and other vehicles, general consumer loans, and diverse additional credit facilities. For its business clientele, SpareBank 1 Ringerike Hadeland provides bank guarantees, specialized corporate and construction loans, government-backed liquidity loans, and agricultural operating credit. Furthermore, the bank offers other financial tools such as factoring, leasing, and overdraft services. Beyond these core offerings, the company assists clients with property buying and selling, delivers accounting support, and features a selection of pension and investment products. Founded in 1833, the bank's main base of operations is located in Hønefoss, Norway.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +1.02% | -0.01% | +0.34% | +1.95% | +14.18% | +6.36% | +17.67% | +34.08% | +61.48% | +151.05% | +169.31% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 2 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth+3.4% Q1'26: -2.5% (vs Q1'25)
-
EPS growth+7.3% Q1'26: +7.3% (vs Q1'25)
-
FCF margin— Q1'26: +18.8% (vs Q1'25)
-
EBIT margin— Q1'26: +36.1% (vs Q1'25)
-
ROIC— Q1'26: +6.3% (vs Q1'25)
-
Share dilution-5.4% Q1'26: -3.0% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 6.03× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2010 actual |
Dec 2011 actual |
Dec 2012 actual |
Dec 2013 actual |
Dec 2014 actual |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 2 Rev. Ana. 2 EPS Ana. |
Dec 2027 2 Rev. Ana. 2 EPS Ana. |
Dec 2028 2 Rev. Ana. 2 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
883.05M
est: 272.02M (+224.6%)
|
798.19M
est: 476.44M (+67.5%)
|
845.64M
est: 488.72M (+73.0%)
|
933.49M
est: 556.49M (+67.7%)
|
982.82M
est: 639.45M (+53.7%)
|
909.03M
est: 608.07M (+49.5%)
|
953.18M
est: 730.27M (+30.5%)
|
937.98M
est: 715.17M (+31.2%)
|
994.64M
est: 782.14M (+27.2%)
|
1.10B
est: 837.24M (+30.9%)
|
979.90M
est: 803.84M (+21.9%)
|
975.00M
est: 880.24M (+10.8%)
|
1.27B
est: 920.77M (+38.1%)
|
1.87B
est: 1.16B (+61.0%)
|
2.29B
est: 1.33B (+72.0%)
|
2.37B
est: 1.36B (+74.5%)
|
1.34B
1.27B – 1.41B
-1.1% YoY
|
1.38B
1.31B – 1.46B
+3.1% YoY
|
1.42B
1.42B – 1.42B
+2.5% YoY
|
| EBITDA |
431.80M
est: 120.45M (+258.5%)
|
209.55M
est: 210.97M (-0.7%)
|
237.09M
est: 216.40M (+9.6%)
|
311.48M
est: 246.41M (+26.4%)
|
377.72M
est: 283.15M (+33.4%)
|
304.65M
est: 269.25M (+13.1%)
|
425.71M
est: 323.36M (+31.7%)
|
424.72M
est: 674.29M (-37.0%)
|
434.12M
est: 715.31M (-39.3%)
|
529.00M
est: 751.43M (-29.6%)
|
468.00M
est: 756.28M (-38.1%)
|
571.00M
est: 797.04M (-28.4%)
|
546.00M
est: 818.28M (-33.3%)
|
623.00M
est: 486.20M (+28.1%)
|
890.00M
est: 557.60M (+59.6%)
|
843.00M
est: 568.15M (+48.4%)
|
561.95M
532.89M – 591.01M
-1.1% YoY
|
579.33M
547.79M – 610.88M
+3.1% YoY
|
593.76M
592.24M – 595.28M
+2.5% YoY
|
| EBIT |
422.77M
est: 117.93M (+258.5%)
|
194.05M
est: 206.55M (-6.1%)
|
221.60M
est: 199.10M (+11.3%)
|
294.72M
est: 252.33M (+16.8%)
|
360.30M
est: 338.63M (+6.4%)
|
287.77M
est: 350.04M (-17.8%)
|
411.59M
est: 345.76M (+19.0%)
|
413.51M
est: 419.01M (-1.3%)
|
425.65M
est: 449.31M (-5.3%)
|
517.00M
est: 473.78M (+9.1%)
|
455.00M
est: 469.83M (-3.2%)
|
558.00M
est: 495.16M (+12.7%)
|
535.00M
est: 508.35M (+5.2%)
|
612.00M
est: 477.03M (+28.3%)
|
878.00M
est: 537.70M (+63.3%)
|
828.00M
est: 557.44M (+48.5%)
|
551.36M
522.84M – 579.87M
-1.1% YoY
|
568.41M
537.46M – 599.37M
+3.1% YoY
|
582.57M
581.08M – 584.06M
+2.5% YoY
|
| Net Income |
390.60M
est: 377.99M (+3.3%)
|
153.70M
est: 682.91M (-77.5%)
|
172.59M
est: 157.66M (+9.5%)
|
232.66M
est: 196.53M (+18.4%)
|
287.14M
est: 267.39M (+7.4%)
|
223.81M
est: 278.97M (-19.8%)
|
322.98M
est: 268.92M (+20.1%)
|
329.80M
est: 328.79M (+0.3%)
|
339.28M
est: 358.36M (-5.3%)
|
425.50M
est: 377.65M (+12.7%)
|
366.50M
est: 386.18M (-5.1%)
|
445.50M
est: 407.00M (+9.5%)
|
420.60M
est: 437.83M (-3.9%)
|
460.60M
est: 508.60M (-9.4%)
|
703.60M
est: 592.90M (+18.7%)
|
734.00M
est: 619.12M (+18.6%)
|
571.64M
527.56M – 615.72M
-7.7% YoY
|
594.38M
552.95M – 635.82M
+4.0% YoY
|
614.50M
571.94M – 657.07M
+3.4% YoY
|
| SGA |
44.88M
est: 5.81M (+672.1%)
|
74.96M
est: 410.02M (-81.7%)
|
75.51M
est: 283.73M (-73.4%)
|
82.01M
est: 321.79M (-74.5%)
|
22.11M
est: 340.82M (-93.5%)
|
28.43M
est: 282.35M (-89.9%)
|
25.95M
est: 407.76M (-93.6%)
|
27.94M
est: 360.88M (-92.3%)
|
27.09M
est: 384.60M (-93.0%)
|
26.00M
est: 427.15M (-93.9%)
|
22.00M
est: 349.46M (-93.7%)
|
21.00M
est: 368.29M (-94.3%)
|
29.00M
est: 378.11M (-92.3%)
|
39.00M
est: 23.93M (+63.0%)
|
44.00M
est: 27.44M (+60.3%)
|
44.00M
est: 27.96M (+57.4%)
|
27.65M
26.22M – 29.08M
-1.1% YoY
|
28.51M
26.96M – 30.06M
+3.1% YoY
|
29.22M
29.15M – 29.30M
+2.5% YoY
|
| EPS |
27.05
est: 23.47 (+15.3%)
|
10.66
est: 9.27 (+15.0%)
|
11.98
est: 12.50 (-4.2%)
|
16.14
est: 15.24 (+5.9%)
|
19.92
est: 18.51 (+7.6%)
|
15.60
est: 16.46 (-5.2%)
|
22.51
est: 21.69 (+3.8%)
|
20.51
est: 18.92 (+8.4%)
|
21.68
est: 20.76 (+4.4%)
|
26.45
est: 23.43 (+12.9%)
|
22.80
est: 19.68 (+15.9%)
|
28.47
est: 26.90 (+5.9%)
|
26.16
est: 25.27 (+3.5%)
|
28.73
est: 32.43 (-11.4%)
|
43.71
est: 38.92 (+12.3%)
|
46.90
est: 40.64 (+15.4%)
|
37.52
34.63 – 40.42
-7.7% YoY
|
39.02
36.30 – 41.74
+4.0% YoY
|
40.34
37.54 – 43.13
+3.4% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-08 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-07 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-06 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-05 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-05-04 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-30 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-29 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-28 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-27 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 4/5 | 3/5 |
| 2026-04-24 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-23 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-22 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-21 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-20 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-17 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-16 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
This company is not held by any ETF in our universe.
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Bjorn Rune Rindal | Chief Executive Officer | 3M | male |
| Joergen Ruud | Bank Manager of Economics & Finance | 2M | male |
| Lars Erik Refsahl | Bank Manager of Corporate Market | 2M | male |
| Torbjoern Kjerstadmo | Bank Manager of Personal Market | 1M | male |
| Marthe Westlie | Bank Manager of Organization & Development | 1M | female |
| Bjoern Harald Blaker | Bank Manager of Marketing & Communications | 1M | male |
| Ida Hagelsteen Vik | Bank Manager of Risk Management & Compliance | 1M | female |
| Inger Marie Holm | Secretary | — | female |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for RING.OL
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
