SpareBank 1 Østfold Akershus (SOAG.OL) is currently considered not halal (non-compliant), per In-house ratio engine (last assessed 2026-08-28). See the full ratio breakdown and business-activity screen below for the reasoning.
⚠️ Financial ratios are only half the screen, and this verdict does not rest on them. Our business-activity screen classifies SpareBank 1 Østfold Akershus under conventional finance, which is an excluded sector — so the verdict is non-compliant even though some ratios below pass. Business activity is a hard gate that ratio math never captures.
Computed from Yahoo Finance fundamentals (Tier-4 provider, no filing available), balance sheet as of 2025-12-31. SOAG.OL files no SEC reports, so these ratios come from the issuer's own published statements rather than XBRL.
Business activity: conventional_finance
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 81.92% | 30.00% | Fail |
| Interest-bearing investments | 114.47% | 30.00% | Fail |
Research only, not investment advice. Thresholds are each standard-setter's published limits; a ratio marked “at least” is a floor, not a ceiling.
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Classic floor-trader pivots from the last completed daily bar. Highlighted pills are the levels bracketing the current price.
The range is measured volatility (ATR over the horizon), not a target — a wider band means a more volatile asset, not a stronger view. The direction is the indicator tally above. Every forecast is recorded when made and scored against the real price when it comes due, including the wrong ones. Not a recommendation, and not a fatwa.
| Indicator | Value | Signal |
|---|---|---|
| RSI (14) | 50.30 | NEUTRAL |
| Stochastic %K (14) | 40.45 | NEUTRAL |
| CCI (20) | 59.70 | NEUTRAL |
| Williams %R (14) | -59.55 | NEUTRAL |
| MACD (12,26,9) | 0.42 | BUY |
| ROC (10) | 1.11 | BUY |
| Momentum (10) | 4.85 | BUY |
| EMA (10) | 446.48 | SELL |
| SMA (10) | 445.80 | SELL |
| EMA (20) | 443.86 | SELL |
| SMA (20) | 444.40 | SELL |
| EMA (30) | 442.13 | BUY |
| SMA (30) | 440.46 | BUY |
| EMA (50) | 440.66 | BUY |
| SMA (50) | 436.75 | BUY |
| EMA (100) | 439.05 | BUY |
| SMA (100) | 443.52 | SELL |
| EMA (200) | 431.82 | BUY |
| SMA (200) | 435.54 | BUY |
Standard indicator thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20, MACD histogram sign, price vs. average) computed on daily bars. A summary of what common indicators say — not a recommendation, and not this site's own trading verdict.
Financial Services · Banks - Regional
SpareBank 1 Østfold Akershus operates as a savings bank that provides various banking products and services in Norway. It offers savings in funds; savings accounts; savings for children and retirement; and stocks and investment products. The company also provides mortgage, car, moving, consumer, vehicle, green, and transferring loans, as well as refinancing of mortgage and consumer debt; financing services, including overdrafts, leasing, business loans, bank guarantees, construction loans, growth guarantee schemes, operating credit for agriculture, factoring, and invoice sales. In addition, it offers pension products; car, home, personal, pet, vehicle, travel, machinery, building, employee and personal, and farm and agricultural insurances; and property services. Further, the company provides mobile and online banking; bank card and credit card; and pay and transfer services. SpareBank 1 Østfold Akershus was founded in 1835 and is based in Moss, Norway.
sparebank1.no/nb/ostfold-akershus/privat.html ↗
Background via Yahoo Finance — informational, not part of the verdict.
Research only, not the primary verdict above — SEC EDGAR (the source for the main in-house research card, if shown) has no data for this symbol, so this is computed from a real, country-specific filing instead. Business-activity screening isn't part of this check.
Based on the filing period ending 2024-12-31, figures in NOK.
Peer movement computing — it will appear here on its own.
NO DATA 0 buys · 0 sells
NEUTRAL report date 2026-09-01 · Asset managers net 934180 (-19048)
Plain-language summary of the evidence already on this page — the Sharia screen, structure, momentum, and order flow above. It explains the read; it doesn't make the call. Generated on demand (a live AI call), never run automatically.