Spar Nord Bank (SPNO) — Cash Flow-to-Debt Ratio
Spar Nord Bank (SPNO) has a Cash Flow-to-Debt Ratio of 0.01x as of March 2025, meaning its operating cash flow of Dkr1.12 Billion could theoretically repay 0% of its total liabilities (Dkr128.66 Billion) in one year. See SPNO financial flexibility score to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Spar Nord Bank Cash Flow-to-Debt Ratio (2002–2024)
Historical debt coverage capacity for Spar Nord Bank across 23 annual periods. For the full cash flow conversion analysis, see Spar Nord Bank (SPNO) cash flow conversion.
Annual Cash Flow-to-Debt Ratio for Spar Nord Bank (2002–2024)
Year-by-year debt coverage analysis for Spar Nord Bank. Check how high is Spar Nord Bank's earnings quality to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (DKK) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2024 | 0.01x | Dkr1.73 Billion | Dkr129.16 Billion | ▲ +125.2% |
| 2023 | -0.05x | Dkr-6.41 Billion | Dkr120.92 Billion | ▼ -1148.7% |
| 2022 | 0.00x | Dkr-473.00 Million | Dkr111.47 Billion | ▲ +32.5% |
| 2021 | -0.01x | Dkr-658.00 Million | Dkr104.61 Billion | ▼ -287.1% |
| 2020 | 0.00x | Dkr-149.00 Million | Dkr91.69 Billion | ▲ +92.1% |
| 2019 | -0.02x | Dkr-1.71 Billion | Dkr83.35 Billion | ▼ -1080.4% |
| 2018 | 0.00x | Dkr154.00 Million | Dkr73.55 Billion | ▼ -74.4% |
| 2017 | 0.01x | Dkr583.00 Million | Dkr71.39 Billion | ▲ +518.0% |
| 2016 | 0.00x | Dkr92.30 Million | Dkr69.85 Billion | ▲ +105.1% |
| 2015 | -0.03x | Dkr-1.79 Billion | Dkr68.47 Billion | ▼ -136.4% |
| 2014 | 0.07x | Dkr5.17 Billion | Dkr71.79 Billion | ▲ +245.7% |
| 2013 | -0.05x | Dkr-3.36 Billion | Dkr68.07 Billion | ▼ -207.9% |
| 2012 | 0.05x | Dkr3.35 Billion | Dkr73.17 Billion | ▲ +381.3% |
| 2011 | 0.01x | Dkr622.60 Million | Dkr65.45 Billion | ▲ +138.2% |
| 2010 | -0.02x | Dkr-1.57 Billion | Dkr63.06 Billion | ▲ +5.5% |
| 2009 | -0.03x | Dkr-1.59 Billion | Dkr60.39 Billion | ▼ -381.3% |
| 2008 | 0.01x | Dkr611.79 Million | Dkr65.24 Billion | ▲ +125.1% |
| 2007 | -0.04x | Dkr-2.21 Billion | Dkr59.26 Billion | ▼ -151.9% |
| 2006 | 0.07x | Dkr3.96 Billion | Dkr54.92 Billion | ▲ +3647.5% |
| 2005 | 0.00x | Dkr-87.16 Million | Dkr42.92 Billion | ▼ -105.5% |
| 2004 | 0.04x | Dkr1.28 Billion | Dkr34.44 Billion | ▲ +439582.1% |
| 2003 | 0.00x | Dkr256.85K | Dkr30.33 Billion | ▲ +2561.2% |
| 2002 | 0.00x | Dkr9.55K | Dkr30.02 Billion | — |