Bien Sparebank ASA (BIEN) — Cash Flow Quality Index
Bien Sparebank ASA (BIEN) has a Cash Flow Quality Index of 13.76x as of March 2026. Operating cash flow of Nkr161.65 Million exceeds net income of Nkr11.75 Million, indicating high earnings quality where cash backs reported profits. Explore Bien Sparebank ASA debt service capacity to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Bien Sparebank ASA Cash Flow Quality Index (2020–2025)
Historical Cash Flow Quality Index for Bien Sparebank ASA across 6 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see Bien Sparebank ASA (BIEN) cash conversion ratio.
Annual Cash Flow Quality Index for Bien Sparebank ASA (2020–2025)
Year-by-year earnings quality comparison for Bien Sparebank ASA.
| Year | Quality Index | Operating CF (NOK) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | -2.38x | Nkr-154.99 Million | Nkr65.20 Million | ▼ -653.3% |
| 2024 | 0.43x | Nkr26.11 Million | Nkr60.77 Million | ▲ +114.1% |
| 2023 | -3.05x | Nkr-170.29 Million | Nkr55.85 Million | ▼ -251.3% |
| 2022 | 2.01x | Nkr84.80 Million | Nkr42.09 Million | ▲ +139.4% |
| 2021 | 0.84x | Nkr24.80 Million | Nkr29.46 Million | ▼ -17.2% |
| 2020 | 1.02x | Nkr26.23 Million | Nkr25.80 Million | — |