Jaeren Sparebank (JAREN) — Financial Flexibility Index
Jaeren Sparebank (JAREN) has a Financial Flexibility Index of -0.02x as of December 2025. Free cash flow of Nkr-286.77 Million (operating CF Nkr-294.64 Million minus capex Nkr7.87 Million) represents 0% of total liabilities (Nkr18.13 Billion). Check Jaeren Sparebank 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
Jaeren Sparebank Financial Flexibility Index (2016–2025)
Historical Financial Flexibility Index trend for Jaeren Sparebank across 10 annual periods. For the full cash flow conversion analysis, see JAREN operating cash flow.
Annual Financial Flexibility Index for Jaeren Sparebank (2016–2025)
Year-by-year free cash flow to debt coverage for Jaeren Sparebank. Explore Jaeren Sparebank (JAREN) cash flow to 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 | -0.02x | Nkr-286.77 Million | Nkr-294.64 Million | Nkr18.13 Billion | ▼ -114.7% |
| 2024 | -0.01x | Nkr-119.66 Million | Nkr-127.14 Million | Nkr16.24 Billion | ▼ -344.6% |
| 2023 | 0.00x | Nkr44.82 Million | Nkr35.31 Million | Nkr14.88 Billion | ▼ -64.2% |
| 2022 | 0.01x | Nkr121.08 Million | Nkr119.15 Million | Nkr14.40 Billion | ▼ -30.9% |
| 2021 | 0.01x | Nkr167.61 Million | Nkr157.51 Million | Nkr13.78 Billion | ▲ +14.6% |
| 2020 | 0.01x | Nkr139.60 Million | Nkr137.74 Million | Nkr13.15 Billion | ▼ -24.3% |
| 2019 | 0.01x | Nkr177.03 Million | Nkr176.71 Million | Nkr12.63 Billion | ▲ +33.9% |
| 2018 | 0.01x | Nkr128.43 Million | Nkr127.92 Million | Nkr12.27 Billion | ▼ -1.7% |
| 2017 | 0.01x | Nkr129.41 Million | Nkr126.83 Million | Nkr12.15 Billion | ▲ +4.8% |
| 2016 | 0.01x | Nkr117.66 Million | Nkr117.19 Million | Nkr11.58 Billion | — |