Laan & Spar Bank AS Financial Flexibility Index
Laan & Spar Bank AS financial flexibility index. Laan & Spar Bank AS (LASP) has a Financial Flexibility Index of -0.04x as of December 2025. Free cash flow of Dkr-1.50 Billion (operating CF Dkr-1.51 Billion minus capex Dkr12.59 Million) represents 0% of total liabilities (Dkr37.37 Billion). See LASP free cash flow generation to measure how efficiently the company converts operating cash flow to free cash.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of Laan & Spar Bank AS (2003–2025)
Financial flexibility index of Laan & Spar Bank AS from 2003 to 2025. Historical Financial Flexibility Index trend for Laan & Spar Bank AS across 23 annual periods. Check Laan & Spar Bank AS earnings quality ratio to evaluate the quality of earnings relative to operating cash generation.
Laan & Spar Bank AS Financial Flexibility Index by Year (2003–2025)
Laan & Spar Bank AS financial flexibility index by year from 2003 to 2025. Year-by-year free cash flow to debt coverage for Laan & Spar Bank AS. For the full cash flow conversion analysis, see Laan & Spar Bank AS cash conversion from operations.
| Year | Flexibility Index | Free Cash Flow (DKK) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | -0.01x | Dkr-509.42 Million | Dkr-561.27 Million | Dkr37.37 Billion | ▼ -117.6% |
| 2024 | 0.08x | Dkr2.57 Billion | Dkr2.50 Billion | Dkr33.13 Billion | ▲ +629.9% |
| 2023 | -0.01x | Dkr-443.99 Million | Dkr-498.75 Million | Dkr30.39 Billion | ▼ -115.9% |
| 2022 | 0.09x | Dkr2.54 Billion | Dkr2.49 Billion | Dkr27.60 Billion | ▼ -26.4% |
| 2021 | 0.13x | Dkr3.19 Billion | Dkr3.13 Billion | Dkr25.50 Billion | ▲ +1407.2% |
| 2020 | -0.01x | Dkr-242.97 Million | Dkr-320.22 Million | Dkr25.36 Billion | ▼ -108.4% |
| 2019 | 0.11x | Dkr2.60 Billion | Dkr2.54 Billion | Dkr22.77 Billion | ▲ +37.8% |
| 2018 | 0.08x | Dkr1.65 Billion | Dkr1.61 Billion | Dkr19.95 Billion | ▲ +140.6% |
| 2017 | 0.03x | Dkr614.81 Million | Dkr593.74 Million | Dkr17.87 Billion | ▲ +228.0% |
| 2016 | 0.01x | Dkr165.26 Million | Dkr120.71 Million | Dkr15.75 Billion | ▼ -92.1% |
| 2015 | 0.13x | Dkr1.91 Billion | Dkr1.87 Billion | Dkr14.43 Billion | ▲ +1708.0% |
| 2014 | -0.01x | Dkr-104.57 Million | Dkr-125.85 Million | Dkr12.70 Billion | ▼ -112.9% |
| 2013 | 0.06x | Dkr739.13 Million | Dkr715.66 Million | Dkr11.62 Billion | ▼ -26.0% |
| 2012 | 0.09x | Dkr872.33 Million | Dkr863.50 Million | Dkr10.15 Billion | ▲ +426.7% |
| 2011 | -0.03x | Dkr-238.40 Million | Dkr-256.90 Million | Dkr9.07 Billion | ▼ -293.6% |
| 2010 | 0.01x | Dkr120.66 Million | Dkr92.64 Million | Dkr8.88 Billion | ▲ +425.9% |
| 2009 | 0.00x | Dkr-37.43 Million | Dkr-55.68 Million | Dkr8.98 Billion | ▼ -104.8% |
| 2008 | 0.09x | Dkr691.99 Million | Dkr685.36 Million | Dkr8.04 Billion | ▲ +176.3% |
| 2007 | -0.11x | Dkr-868.74 Million | Dkr-889.16 Million | Dkr7.70 Billion | ▲ +47.4% |
| 2006 | -0.21x | Dkr-1.65 Billion | Dkr-1.67 Billion | Dkr7.67 Billion | ▼ -753.9% |
| 2005 | 0.03x | Dkr238.24 Million | Dkr230.14 Million | Dkr7.26 Billion | ▲ +61.5% |
| 2004 | 0.02x | Dkr141.36 Million | Dkr129.90 Million | Dkr6.96 Billion | ▲ +70.8% |
| 2003 | 0.01x | Dkr81.21 Million | Dkr57.25 Million | Dkr6.83 Billion | — |