Jaeren Sparebank (JAREN) — Cash Flow Quality Index
Jaeren Sparebank (JAREN) has a Cash Flow Quality Index of -4.44x as of December 2025. Operating cash flow of Nkr-294.64 Million is below net income of Nkr66.41 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore cash flow to debt ratio of Jaeren Sparebank to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Jaeren Sparebank Cash Flow Quality Index (2017–2025)
Historical Cash Flow Quality Index for Jaeren Sparebank across 9 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see Jaeren Sparebank cash flow conversion.
Annual Cash Flow Quality Index for Jaeren Sparebank (2017–2025)
Year-by-year earnings quality comparison for Jaeren Sparebank.
| Year | Quality Index | Operating CF (NOK) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | -0.96x | Nkr-294.64 Million | Nkr307.21 Million | ▼ -107.5% |
| 2024 | -0.46x | Nkr-127.14 Million | Nkr275.06 Million | ▼ -413.0% |
| 2023 | 0.15x | Nkr35.31 Million | Nkr239.14 Million | ▼ -76.9% |
| 2022 | 0.64x | Nkr119.15 Million | Nkr186.60 Million | ▼ -38.7% |
| 2021 | 1.04x | Nkr157.51 Million | Nkr151.24 Million | ▼ -15.6% |
| 2020 | 1.23x | Nkr137.74 Million | Nkr111.67 Million | ▲ +7.3% |
| 2019 | 1.15x | Nkr176.71 Million | Nkr153.79 Million | ▲ +8.6% |
| 2018 | 1.06x | Nkr127.92 Million | Nkr120.88 Million | ▼ -0.3% |
| 2017 | 1.06x | Nkr126.83 Million | Nkr119.53 Million | — |