Helgeland Sparebank (HELG) — Financial Flexibility Index

Latest as of December 2025: 0.01x

Helgeland Sparebank (HELG) has a Financial Flexibility Index of 0.01x as of December 2025. Free cash flow of Nkr521.00 Million (operating CF Nkr502.00 Million minus capex Nkr19.00 Million) represents 0% of total liabilities (Nkr35.65 Billion). Check Helgeland Sparebank strategic asset allocation index to assess the company's strategic physical and investment asset allocation.

Financial Flexibility Index

0.01x
Free Cash Flow / Total Liabilities

Free Cash Flow

Nkr521.00 Million
Operating CF − Capex

Total Liabilities

Nkr35.65 Billion
NOK

Capital Expenditures

Nkr19.00 Million
NOK

Helgeland Sparebank Financial Flexibility Index (2008–2025)

Historical Financial Flexibility Index trend for Helgeland Sparebank across 18 annual periods. See Helgeland Sparebank short-term liquidity ratio to evaluate short-term liquidity relative to the company's equity base.

Annual Financial Flexibility Index for Helgeland Sparebank (2008–2025)

Year-by-year free cash flow to debt coverage for Helgeland Sparebank. For the full company profile including market capitalisation, see Helgeland Sparebank stock valuation.

Year Flexibility Index Free Cash Flow (NOK) Operating CF Total Liabilities YoY Change
2025 0.01x Nkr521.00 Million Nkr502.00 Million Nkr35.65 Billion ▲ +491.4%
2024 0.00x Nkr-126.00 Million Nkr-163.00 Million Nkr33.75 Billion ▼ -116.3%
2023 0.02x Nkr727.00 Million Nkr663.00 Million Nkr31.81 Billion ▼ -80.9%
2022 0.12x Nkr4.04 Billion Nkr3.94 Billion Nkr33.69 Billion ▲ +1477.2%
2021 -0.01x Nkr-303.00 Million Nkr-465.00 Million Nkr34.81 Billion ▼ -170.5%
2020 0.01x Nkr363.00 Million Nkr342.00 Million Nkr29.39 Billion ▼ -80.6%
2019 0.06x Nkr1.94 Billion Nkr1.85 Billion Nkr30.50 Billion ▲ +432.4%
2018 -0.02x Nkr-567.00 Million Nkr-576.00 Million Nkr29.65 Billion ▲ +50.1%
2017 -0.04x Nkr-1.09 Billion Nkr-1.13 Billion Nkr28.56 Billion ▼ -676.2%
2016 0.01x Nkr174.00 Million Nkr144.00 Million Nkr26.18 Billion ▲ +121.6%
2015 -0.03x Nkr-756.00 Million Nkr-776.00 Million Nkr24.58 Billion ▼ -347.7%
2014 0.01x Nkr294.00 Million Nkr279.00 Million Nkr23.68 Billion ▼ -70.0%
2013 0.04x Nkr991.00 Million Nkr982.00 Million Nkr23.95 Billion ▲ +186.1%
2012 -0.05x Nkr-1.09 Billion Nkr-1.14 Billion Nkr22.80 Billion ▼ -49.9%
2011 -0.03x Nkr-677.00 Million Nkr-775.00 Million Nkr21.12 Billion ▲ +3.9%
2010 -0.03x Nkr-617.00 Million Nkr-670.00 Million Nkr18.50 Billion ▼ -212.2%
2009 0.03x Nkr500.00 Million Nkr473.00 Million Nkr16.82 Billion ▲ +294.5%
2008 -0.02x Nkr-231.00 Million Nkr-240.00 Million Nkr15.11 Billion —
Financial Flexibility Index = (Operating CF − Capex) / Total Liabilities = Free Cash Flow / Total Liabilities