Spar Nord Bank (SPNO) — Financial Flexibility Index
Spar Nord Bank (SPNO) has a Financial Flexibility Index of 0.01x as of March 2025. Free cash flow of Dkr1.12 Billion (operating CF Dkr1.12 Billion minus capex Dkr1.00 Million) represents 0% of total liabilities (Dkr128.66 Billion). Check Spar Nord Bank strategic capital allocation to assess the company's strategic physical and investment asset allocation.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Spar Nord Bank Financial Flexibility Index (2002–2024)
Historical Financial Flexibility Index trend for Spar Nord Bank across 23 annual periods. See SPNO working capital efficiency to evaluate short-term liquidity relative to the company's equity base.
Annual Financial Flexibility Index for Spar Nord Bank (2002–2024)
Year-by-year free cash flow to debt coverage for Spar Nord Bank. For the full company profile including market capitalisation, see Spar Nord Bank market cap and net worth.
| Year | Flexibility Index | Free Cash Flow (DKK) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2024 | 0.01x | Dkr1.80 Billion | Dkr1.73 Billion | Dkr129.16 Billion | ▲ +126.5% |
| 2023 | -0.05x | Dkr-6.36 Billion | Dkr-6.41 Billion | Dkr120.92 Billion | ▼ -1303.3% |
| 2022 | 0.00x | Dkr-418.00 Million | Dkr-473.00 Million | Dkr111.47 Billion | ▼ -30.8% |
| 2021 | 0.00x | Dkr-300.00 Million | Dkr-658.00 Million | Dkr104.61 Billion | ▼ -157.8% |
| 2020 | 0.00x | Dkr-102.00 Million | Dkr-149.00 Million | Dkr91.69 Billion | ▲ +94.4% |
| 2019 | -0.02x | Dkr-1.65 Billion | Dkr-1.71 Billion | Dkr83.35 Billion | ▼ -639.6% |
| 2018 | 0.00x | Dkr270.00 Million | Dkr154.00 Million | Dkr73.55 Billion | ▼ -61.3% |
| 2017 | 0.01x | Dkr678.00 Million | Dkr583.00 Million | Dkr71.39 Billion | ▲ +287.2% |
| 2016 | 0.00x | Dkr171.30 Million | Dkr92.30 Million | Dkr69.85 Billion | ▲ +109.7% |
| 2015 | -0.03x | Dkr-1.73 Billion | Dkr-1.79 Billion | Dkr68.47 Billion | ▼ -134.8% |
| 2014 | 0.07x | Dkr5.23 Billion | Dkr5.17 Billion | Dkr71.79 Billion | ▲ +248.5% |
| 2013 | -0.05x | Dkr-3.34 Billion | Dkr-3.36 Billion | Dkr68.07 Billion | ▼ -203.6% |
| 2012 | 0.05x | Dkr3.46 Billion | Dkr3.35 Billion | Dkr73.17 Billion | ▲ +313.9% |
| 2011 | 0.01x | Dkr748.50 Million | Dkr622.60 Million | Dkr65.45 Billion | ▲ +158.8% |
| 2010 | -0.02x | Dkr-1.23 Billion | Dkr-1.57 Billion | Dkr63.06 Billion | ▲ +15.9% |
| 2009 | -0.02x | Dkr-1.40 Billion | Dkr-1.59 Billion | Dkr60.39 Billion | ▼ -259.4% |
| 2008 | 0.01x | Dkr945.31 Million | Dkr611.79 Million | Dkr65.24 Billion | ▲ +141.7% |
| 2007 | -0.03x | Dkr-2.06 Billion | Dkr-2.21 Billion | Dkr59.26 Billion | ▼ -147.1% |
| 2006 | 0.07x | Dkr4.05 Billion | Dkr3.96 Billion | Dkr54.92 Billion | ▲ +5137.1% |
| 2005 | 0.00x | Dkr-62.81 Million | Dkr-87.16 Million | Dkr42.92 Billion | ▼ -103.7% |
| 2004 | 0.04x | Dkr1.37 Billion | Dkr1.28 Billion | Dkr34.44 Billion | ▲ +194619.4% |
| 2003 | 0.00x | Dkr620.26K | Dkr256.85K | Dkr30.33 Billion | ▲ +1761.1% |
| 2002 | 0.00x | Dkr32.99K | Dkr9.55K | Dkr30.02 Billion | — |