Intrinsiqq

Haugesund Sparebank (HGSB.XOSL) Quality Score

HGSB.XOSL
Quality70

Valuation remains strong (avg 95/100), but growth is pulling the composite down (avg 50/100).

Broad-market heuristics · Not a buy/sell signal

Valuation and growth

Earnings Multiple
90/100
11.8x

Under 20x, reasonable relative to earnings

Price / Book
100/100
0.29x

0.3x book, trading near or below equity

Revenue Growth
100/100
13.7%

Above 10% CAGR, strong compounder

Book Value Growth
0/100
-12.8%

Below 2%, book value not compounding

Business Quality & Capital Allocation

Share Dilution
0/100
133.5%

Heavy dilution above 5%

Return on Equity
60/100
7.5%

5–10%, adequate but not exceptional

Capital Adequacy
100/100
13.5%

13.5% equity/assets, well-capitalized

Margin Trend
100/100
+3.2pp

Net margin expanded 3+pp, strong improvement

Haugesund Sparebank (HGSB.XOSL) quality: score, margins and returns

Haugesund Sparebank (HGSB.XOSL) scores 70/100 on Intrinsiqq's quality score (a solid business), a weighted blend of 8 metrics each scored 0 to 100. Every metric is computed from company filings; this is analysis, not investment advice.

Frequently asked

Is Haugesund Sparebank (HGSB.XOSL) a high-quality business?+

Haugesund Sparebank scores 70 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which rates it a solid business on these measures. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.

What does Haugesund Sparebank's quality score measure?+

Intrinsiqq's quality score weighs profitability, returns on capital, revenue growth, and balance-sheet strength, using measures suited to banks, insurers and other financial companies (where free-cash-flow and operating-margin metrics do not apply), each computed from HGSB.XOSL's company filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where Haugesund Sparebank scores well and where it falls behind.

How profitable is Haugesund Sparebank?+

Haugesund Sparebank runs a net margin of about 39.5%. Revenue has grown at roughly 13.1% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from company filings, not investment advice.

More on HGSB.XOSL: Overview · DCF valuation · Dividend safety · Financials
How the market compares: US profitability statistics

Related stocks: Banks - Regional

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Data sourced from company filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.

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Intrinsiqq is a Netherlands-based company operating in Rotterdam, KvK 73238007.