Bien Sparebank ASA (BIEN) — Financial Flexibility Index
Bien Sparebank ASA (BIEN) has a Financial Flexibility Index of 0.03x as of March 2026. Free cash flow of Nkr161.65 Million (operating CF Nkr161.65 Million minus capex Nkr0.00) represents 0% of total liabilities (Nkr5.56 Billion). Check Bien Sparebank ASA 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
Bien Sparebank ASA Financial Flexibility Index (2020–2025)
Historical Financial Flexibility Index trend for Bien Sparebank ASA across 6 annual periods. For the full cash flow conversion analysis, see Bien Sparebank ASA cash conversion from operations.
Annual Financial Flexibility Index for Bien Sparebank ASA (2020–2025)
Year-by-year free cash flow to debt coverage for Bien Sparebank ASA. Explore how well can Bien Sparebank ASA service its debt to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (NOK) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | -0.03x | Nkr-154.99 Million | Nkr-154.99 Million | Nkr5.36 Billion | ▼ -624.3% |
| 2024 | 0.01x | Nkr26.11 Million | Nkr26.11 Million | Nkr4.74 Billion | ▲ +114.3% |
| 2023 | -0.04x | Nkr-170.29 Million | Nkr-170.29 Million | Nkr4.41 Billion | ▼ -296.0% |
| 2022 | 0.02x | Nkr84.80 Million | Nkr84.80 Million | Nkr4.31 Billion | ▲ +254.2% |
| 2021 | 0.01x | Nkr24.80 Million | Nkr24.80 Million | Nkr4.46 Billion | ▼ -4.0% |
| 2020 | 0.01x | Nkr26.23 Million | Nkr26.23 Million | Nkr4.53 Billion | — |