Holand og Setskog Sparebank (HSPG) — Financial Flexibility Index

Latest as of June 2025: 0.04x

Holand og Setskog Sparebank (HSPG) has a Financial Flexibility Index of 0.04x as of June 2025. Free cash flow of Nkr296.16 Million (operating CF Nkr253.21 Million minus capex Nkr42.96 Million) represents 0% of total liabilities (Nkr8.13 Billion). Check Holand og Setskog Sparebank (HSPG) reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.

Financial Flexibility Index

0.04x
Free Cash Flow / Total Liabilities

Free Cash Flow

Nkr296.16 Million
Operating CF − Capex

Total Liabilities

Nkr8.13 Billion
NOK

Capital Expenditures

Nkr42.96 Million
NOK

Holand og Setskog Sparebank Financial Flexibility Index (2010–2024)

Historical Financial Flexibility Index trend for Holand og Setskog Sparebank across 15 annual periods. For the full cash flow conversion analysis, see Holand og Setskog Sparebank operating cash flow efficiency.

Annual Financial Flexibility Index for Holand og Setskog Sparebank (2010–2024)

Year-by-year free cash flow to debt coverage for Holand og Setskog Sparebank. Explore debt repayment capacity of Holand og Setskog Sparebank to assess how comfortably operating cash covers total debt obligations.

Year Flexibility Index Free Cash Flow (NOK) Operating CF Total Liabilities YoY Change
2024 -0.07x Nkr-523.86 Million Nkr-539.83 Million Nkr7.62 Billion ▼ -284.1%
2023 0.04x Nkr268.54 Million Nkr266.90 Million Nkr7.19 Billion ▲ +1653.3%
2022 0.00x Nkr14.74 Million Nkr8.09 Million Nkr6.92 Billion ▼ -91.8%
2021 0.03x Nkr177.85 Million Nkr155.76 Million Nkr6.84 Billion ▲ +174.6%
2020 -0.03x Nkr-228.19 Million Nkr-234.90 Million Nkr6.55 Billion ▼ -86.5%
2019 -0.02x Nkr-106.09 Million Nkr-107.24 Million Nkr5.68 Billion ▲ +70.2%
2018 -0.06x Nkr-324.72 Million Nkr-325.34 Million Nkr5.18 Billion ▼ -576.3%
2017 0.01x Nkr62.30 Million Nkr61.89 Million Nkr4.73 Billion ▲ +21.7%
2016 0.01x Nkr48.86 Million Nkr48.29 Million Nkr4.52 Billion ▼ -9.1%
2015 0.01x Nkr56.17 Million Nkr53.71 Million Nkr4.72 Billion ▲ +12.7%
2014 0.01x Nkr51.85 Million Nkr49.40 Million Nkr4.91 Billion ▼ -34.3%
2013 0.02x Nkr69.28 Million Nkr66.83 Million Nkr4.31 Billion ▲ +98.8%
2012 0.01x Nkr33.08 Million Nkr30.67 Million Nkr4.09 Billion ▼ -74.6%
2011 0.03x Nkr131.48 Million Nkr131.31 Million Nkr4.14 Billion ▲ +194.1%
2010 -0.03x Nkr-123.69 Million Nkr-143.43 Million Nkr3.66 Billion —
Financial Flexibility Index = (Operating CF − Capex) / Total Liabilities = Free Cash Flow / Total Liabilities