Sparebanken - Public Comps and Valuation Multiples

Sparebanken Overview

About Sparebanken

Sparebanken Øst is a savings bank in Norway. It offers banking products and services to retail and corporate customers in the areas of loans, payment services, insurance products, property management as well as advisory services. Its mission is to be a non-affiliated, independent and locally managed provider of financial services, to enable people in general, along with small and medium-sized enterprises, to exploit their financial resources in the best possible manner.

Founded

1843

HQ

Employees

199

Website

oest.no

Sectors

Commercial Banking

Financials

LTM Revenue $101M

Last FY EBITDA n/a

EV

$2.6B

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Sparebanken Financials

As of August 2025, Sparebanken reported last 12-month revenue of $101M.

In the same period, Sparebanken achieved $50.3M in LTM net income.

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Sparebanken P&L

In the most recent fiscal year, Sparebanken reported revenue of $104M.

Sparebanken expects next 12-month revenue of XXX and NTM EBITDA of XXX

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	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue	$101M	XXX	$104M	XXX	XXX	XXX
Gross Profit	n/a	XXX	n/a	XXX	XXX	XXX
Gross Margin	n/a	XXX	n/a	XXX	XXX	XXX
EBITDA	n/a	XXX	n/a	XXX	XXX	XXX
EBITDA Margin	n/a	XXX	n/a	XXX	XXX	XXX
EBIT	$63.7M	XXX	n/a	XXX	XXX	XXX
EBIT Margin	63%	XXX	n/a	XXX	XXX	XXX
Net Profit	$50.3M	XXX	$49.1M	XXX	XXX	XXX
Net Margin	50%	XXX	47%	XXX	XXX	XXX
Net Debt	XXX	XXX	$2.3B	XXX	XXX	XXX

Financial data powered by Morningstar, Inc.

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Financial performance metrics for Sparebanken including revenue, profitability, and margin analysis across different time periods. The company reported last twelve months revenue of $101M.
Financial Metric	Last Twelve Months (LTM)	Next Twelve Months (NTM)	Most Recent Fiscal Year	Current Fiscal Year (2025)	Next Fiscal Year (2026)	Two Years Forward (2027)
Total Revenue	$101M	Analyst estimates available to subscribers	$104M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit	n/a	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit Margin	n/a	Analyst estimates available to subscribers	NaN% gross profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA (Earnings Before Interest, Taxes, Depreciation, Amortization)	n/a	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA Margin	n/a	Analyst estimates available to subscribers	NaN% EBITDA margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT (Earnings Before Interest and Taxes)	$63.7M	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT Margin	62.9% EBIT margin	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Income (Net Profit)	$50.3M	Analyst estimates available to subscribers	$49.1M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Profit Margin	49.7% net profit margin	Analyst estimates available to subscribers	47.4% net profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Debt Position	Detailed debt information available to subscribers	Detailed debt information available to subscribers	$2.3B	Detailed debt information available to subscribers	Detailed debt information available to subscribers	Detailed debt information available to subscribers

Financial Performance Summary for Sparebanken

This financial data table provides comprehensive performance metrics for Sparebanken, a company based in Norway. The metrics include revenue, profitability measures, and operational efficiency indicators across multiple time periods.

Recent Performance Highlights

Sparebanken generated $101M in revenue over the last twelve months.
Net income over the last twelve months reached $50.3M.

Fiscal Year Performance

In the most recent fiscal year, Sparebanken reported $104M in total revenue.
The company maintained a gross profit margin of NaN% in the most recent fiscal year.
EBITDA margin for the fiscal year was NaN%.
Net profit margin reached 47.4% in the most recent fiscal year.

This financial data is sourced from Morningstar, Inc. and represents the most recent available information for Sparebanken. Forward-looking estimates and detailed financial projections are available through our premium subscription service.

Sparebanken Stock Performance

Sparebanken has current market cap of NOK 1.5B (or $152M), and EV of NOK 25.8B (or $2.6B).

Market Cap Evolution

Sparebanken Stock Data

As of September 30, 2025, Sparebanken's stock price is NOK 74 (or $7).

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EV	Market Cap	Price 1D	Price 1M	Price 3M	Price 12M	EPS
$2.6B	$152M	XXX	XXX	XXX	XXX	$0.68

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Sparebanken Valuation Multiples

Sparebanken's trades at 24.8x EV/Revenue multiple, and n/a EV/EBITDA.

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Sparebanken Financial Valuation Multiples

As of September 30, 2025, Sparebanken has market cap of $152M and EV of $2.6B.

Equity research analysts estimate Sparebanken's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX

Sparebanken has a P/E ratio of 3.0x.

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Market cap (current)	$152M	XXX	$152M	XXX	XXX	XXX
EV (current)	$2.6B	XXX	$2.6B	XXX	XXX	XXX
EV/Revenue	25.4x	XXX	24.8x	XXX	XXX	XXX
EV/EBITDA	n/a	XXX	n/a	XXX	XXX	XXX
EV/EBIT	40.3x	XXX	n/a	XXX	XXX	XXX
EV/Gross Profit	n/a	XXX	n/a	XXX	XXX	XXX
P/E	3.0x	XXX	3.1x	XXX	XXX	XXX
EV/FCF	n/a	XXX	49.5x	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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Sparebanken Margins & Growth Rates

Sparebanken's last 12 month revenue growth is -2%

Sparebanken's revenue per employee in the last FY averaged $0.5M, while opex per employee averaged $0.2M for the same period.

Sparebanken's rule of 40 is unknown (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).

Sparebanken's rule of X is unknown (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).

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Sparebanken Operational Valuation Multiples

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue Growth	-2%	XXX	-3%	XXX	XXX	XXX
EBITDA Margin	n/a	XXX	n/a	XXX	XXX	XXX
EBITDA Growth	n/a	XXX	n/a	XXX	XXX	XXX
Rule of 40	n/a	XXX	n/a	XXX	XXX	XXX
Bessemer Rule of X	XXX	XXX	n/a	XXX	XXX	XXX
Revenue per Employee	XXX	XXX	$0.5M	XXX	XXX	XXX
Opex per Employee	XXX	XXX	$0.2M	XXX	XXX	XXX
S&M Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
G&A Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
R&D Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
Opex to Revenue	XXX	XXX	35%	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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