Jaeren Sparebank Financial Flexibility Index
Jaeren Sparebank 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). See Jaeren Sparebank free cash flow efficiency to measure how efficiently the company converts operating cash flow to free cash.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of Jaeren Sparebank (2016–2025)
Financial flexibility index of Jaeren Sparebank from 2016 to 2025. Historical Financial Flexibility Index trend for Jaeren Sparebank across 10 annual periods. Check how high is Jaeren Sparebank's earnings quality to evaluate the quality of earnings relative to operating cash generation.
Jaeren Sparebank Financial Flexibility Index by Year (2016–2025)
Jaeren Sparebank financial flexibility index by year from 2016 to 2025. Year-by-year free cash flow to debt coverage for Jaeren Sparebank. For the full cash flow conversion analysis, see JAREN cash flow metrics.
| 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 | — |