Sparebank 1 Ringerike Hadeland (RING) — Financial Flexibility Index
Sparebank 1 Ringerike Hadeland (RING) has a Financial Flexibility Index of 0.04x as of December 2025. Free cash flow of Nkr1.09 Billion (operating CF Nkr1.05 Billion minus capex Nkr31.00 Million) represents 0% of total liabilities (Nkr27.21 Billion). Check cash flow reinvestment rate of Sparebank 1 Ringerike Hadeland to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Sparebank 1 Ringerike Hadeland Financial Flexibility Index (2007–2025)
Historical Financial Flexibility Index trend for Sparebank 1 Ringerike Hadeland across 19 annual periods. For the full cash flow conversion analysis, see cash efficiency ratio of Sparebank 1 Ringerike Hadeland.
Annual Financial Flexibility Index for Sparebank 1 Ringerike Hadeland (2007–2025)
Year-by-year free cash flow to debt coverage for Sparebank 1 Ringerike Hadeland. Explore how well can Sparebank 1 Ringerike Hadeland service its 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 | 0.04x | Nkr1.09 Billion | Nkr1.05 Billion | Nkr27.21 Billion | ▼ -29.2% |
| 2024 | 0.06x | Nkr1.48 Billion | Nkr1.48 Billion | Nkr26.25 Billion | ▲ +2151.2% |
| 2023 | 0.00x | Nkr64.00 Million | Nkr64.00 Million | Nkr25.54 Billion | ▼ -59.6% |
| 2022 | 0.01x | Nkr157.00 Million | Nkr157.00 Million | Nkr25.29 Billion | ▼ -73.2% |
| 2021 | 0.02x | Nkr552.00 Million | Nkr547.00 Million | Nkr23.80 Billion | ▲ +187.5% |
| 2020 | 0.01x | Nkr188.00 Million | Nkr127.00 Million | Nkr23.30 Billion | ▲ +404.7% |
| 2019 | 0.00x | Nkr34.00 Million | Nkr31.07 Million | Nkr21.27 Billion | ▲ +139.6% |
| 2018 | 0.00x | Nkr-81.64 Million | Nkr-81.94 Million | Nkr20.25 Billion | ▼ -122.2% |
| 2017 | 0.02x | Nkr341.27 Million | Nkr335.29 Million | Nkr18.79 Billion | ▲ +131.1% |
| 2016 | -0.06x | Nkr-1.09 Billion | Nkr-1.10 Billion | Nkr18.75 Billion | ▼ -249.7% |
| 2015 | 0.04x | Nkr664.32 Million | Nkr659.74 Million | Nkr17.03 Billion | ▲ +443.9% |
| 2014 | 0.01x | Nkr119.27 Million | Nkr98.78 Million | Nkr16.63 Billion | ▼ -61.7% |
| 2013 | 0.02x | Nkr291.45 Million | Nkr284.03 Million | Nkr15.58 Billion | ▲ +179.3% |
| 2012 | -0.02x | Nkr-346.42 Million | Nkr-365.45 Million | Nkr14.68 Billion | ▼ -880.0% |
| 2011 | 0.00x | Nkr41.40 Million | Nkr30.90 Million | Nkr13.68 Billion | ▲ +105.6% |
| 2010 | -0.05x | Nkr-720.65 Million | Nkr-1.02 Billion | Nkr13.36 Billion | ▼ -378.7% |
| 2009 | 0.02x | Nkr120.74 Million | Nkr119.22 Million | Nkr6.24 Billion | ▲ +152.2% |
| 2008 | -0.04x | Nkr-232.74 Million | Nkr-240.01 Million | Nkr6.27 Billion | ▲ +50.5% |
| 2007 | -0.07x | Nkr-425.56 Million | Nkr-429.11 Million | Nkr5.68 Billion | — |