Helgeland Sparebank (HELG) — Financial Flexibility Index
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 how aggressively does Helgeland Sparebank reinvest cash to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Helgeland Sparebank Financial Flexibility Index (2008–2025)
Historical Financial Flexibility Index trend for Helgeland Sparebank across 18 annual periods. For the full cash flow conversion analysis, see HELG cash flow metrics.
Annual Financial Flexibility Index for Helgeland Sparebank (2008–2025)
Year-by-year free cash flow to debt coverage for Helgeland Sparebank. Explore Helgeland Sparebank cash debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (NOK) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.01x | 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 | — |