Laan & Spar Bank AS (LASP) — 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). Check Laan & Spar Bank AS total reinvestment intensity to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Laan & Spar Bank AS Financial Flexibility Index (2003–2025)
Historical Financial Flexibility Index trend for Laan & Spar Bank AS across 23 annual periods. For the full cash flow conversion analysis, see Laan & Spar Bank AS operating cash flow efficiency.
Annual Financial Flexibility Index for Laan & Spar Bank AS (2003–2025)
Year-by-year free cash flow to debt coverage for Laan & Spar Bank AS. Explore Laan & Spar Bank AS cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
| 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 | — |