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 cash flow reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
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. For the full cash flow conversion analysis, see cash flow conversion of Spar Nord Bank.
Annual Financial Flexibility Index for Spar Nord Bank (2002–2024)
Year-by-year free cash flow to debt coverage for Spar Nord Bank. Explore Spar Nord Bank 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 |
|---|---|---|---|---|---|
| 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 | — |