Spar Nord Bank (SPNO) — Cash Flow Quality Index
Spar Nord Bank (SPNO) has a Cash Flow Quality Index of 2.28x as of March 2025. Operating cash flow of Dkr1.12 Billion exceeds net income of Dkr491.00 Million, indicating high earnings quality where cash backs reported profits. Explore how well can Spar Nord Bank service its debt to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Spar Nord Bank Cash Flow Quality Index (2002–2024)
Historical Cash Flow Quality Index for Spar Nord Bank across 23 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see Spar Nord Bank (SPNO) cash flow conversion.
Annual Cash Flow Quality Index for Spar Nord Bank (2002–2024)
Year-by-year earnings quality comparison for Spar Nord Bank.
| Year | Quality Index | Operating CF (DKK) | Net Income | YoY Change |
|---|---|---|---|---|
| 2024 | 0.78x | Dkr1.73 Billion | Dkr2.22 Billion | ▲ +128.8% |
| 2023 | -2.70x | Dkr-6.41 Billion | Dkr2.37 Billion | ▼ -887.1% |
| 2022 | -0.27x | Dkr-473.00 Million | Dkr1.73 Billion | ▲ +29.3% |
| 2021 | -0.39x | Dkr-658.00 Million | Dkr1.70 Billion | ▼ -138.3% |
| 2020 | -0.16x | Dkr-149.00 Million | Dkr918.00 Million | ▲ +87.6% |
| 2019 | -1.31x | Dkr-1.71 Billion | Dkr1.30 Billion | ▼ -1033.5% |
| 2018 | 0.14x | Dkr154.00 Million | Dkr1.09 Billion | ▼ -69.8% |
| 2017 | 0.47x | Dkr583.00 Million | Dkr1.25 Billion | ▲ +419.1% |
| 2016 | 0.09x | Dkr92.30 Million | Dkr1.03 Billion | ▲ +105.4% |
| 2015 | -1.67x | Dkr-1.79 Billion | Dkr1.07 Billion | ▼ -122.8% |
| 2014 | 7.33x | Dkr5.17 Billion | Dkr705.00 Million | ▲ +245.9% |
| 2013 | -5.02x | Dkr-3.36 Billion | Dkr669.50 Million | ▼ -143.5% |
| 2012 | 11.55x | Dkr3.35 Billion | Dkr290.10 Million | ▲ +539.6% |
| 2011 | 1.81x | Dkr622.60 Million | Dkr344.90 Million | ▲ +115.3% |
| 2010 | -11.82x | Dkr-1.57 Billion | Dkr133.00 Million | ▼ -7.4% |
| 2009 | -11.01x | Dkr-1.59 Billion | Dkr144.70 Million | ▼ -322.6% |
| 2008 | 4.94x | Dkr611.79 Million | Dkr123.72 Million | ▲ +286.0% |
| 2007 | -2.66x | Dkr-2.21 Billion | Dkr833.05 Million | ▼ -169.4% |
| 2006 | 3.83x | Dkr3.96 Billion | Dkr1.03 Billion | ▲ +2794.9% |
| 2005 | -0.14x | Dkr-87.16 Million | Dkr613.45 Million | ▼ -103.5% |
| 2004 | 4.08x | Dkr1.28 Billion | Dkr314.58 Million | ▲ +375894.7% |
| 2003 | 0.00x | Dkr256.85K | Dkr236.95 Million | ▲ +1219.3% |
| 2002 | 0.00x | Dkr9.55K | Dkr116.27 Million | — |