SpareBank 1 Sør-Norge ASA (SB1NO) — Financial Flexibility Index

Latest as of March 2026: -0.01x

SpareBank 1 Sør-Norge ASA (SB1NO) has a Financial Flexibility Index of -0.01x as of March 2026. Free cash flow of Nkr-5.11 Billion (operating CF Nkr-5.15 Billion minus capex Nkr45.00 Million) represents 0% of total liabilities (Nkr463.05 Billion). Check SpareBank 1 Sør-Norge ASA investment reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.

Financial Flexibility Index

-0.01x
Free Cash Flow / Total Liabilities

Free Cash Flow

Nkr-5.11 Billion
Operating CF − Capex

Total Liabilities

Nkr463.05 Billion
NOK

Capital Expenditures

Nkr45.00 Million
NOK

SpareBank 1 Sør-Norge ASA Financial Flexibility Index (2008–2025)

Historical Financial Flexibility Index trend for SpareBank 1 Sør-Norge ASA across 18 annual periods. For the full cash flow conversion analysis, see SpareBank 1 Sør-Norge ASA (SB1NO) cash conversion ratio.

Annual Financial Flexibility Index for SpareBank 1 Sør-Norge ASA (2008–2025)

Year-by-year free cash flow to debt coverage for SpareBank 1 Sør-Norge ASA. Explore SpareBank 1 Sør-Norge ASA 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 0.02x Nkr10.24 Billion Nkr10.03 Billion Nkr457.55 Billion ▲ +226.8%
2024 -0.02x Nkr-7.53 Billion Nkr-7.72 Billion Nkr426.70 Billion ▼ -166.0%
2023 0.03x Nkr8.79 Billion Nkr8.66 Billion Nkr328.63 Billion ▲ +154.5%
2022 -0.05x Nkr-15.56 Billion Nkr-15.65 Billion Nkr317.04 Billion ▼ -87.4%
2021 -0.03x Nkr-7.26 Billion Nkr-7.43 Billion Nkr277.22 Billion ▼ -197.0%
2020 -0.01x Nkr-2.30 Billion Nkr-2.35 Billion Nkr260.66 Billion ▲ +79.7%
2019 -0.04x Nkr-10.05 Billion Nkr-10.43 Billion Nkr231.06 Billion ▲ +0.8%
2018 -0.04x Nkr-9.32 Billion Nkr-9.61 Billion Nkr212.48 Billion ▲ +3.5%
2017 -0.05x Nkr-8.94 Billion Nkr-9.09 Billion Nkr196.73 Billion ▼ -35.7%
2016 -0.03x Nkr-5.86 Billion Nkr-6.03 Billion Nkr175.12 Billion ▼ -14.3%
2015 -0.03x Nkr-5.13 Billion Nkr-5.33 Billion Nkr175.13 Billion ▼ -17.8%
2014 -0.02x Nkr-3.96 Billion Nkr-4.05 Billion Nkr159.52 Billion ▲ +46.4%
2013 -0.05x Nkr-6.63 Billion Nkr-6.71 Billion Nkr142.93 Billion ▼ -312.6%
2012 -0.01x Nkr-1.45 Billion Nkr-1.52 Billion Nkr128.91 Billion ▼ -129.2%
2011 0.04x Nkr4.68 Billion Nkr4.58 Billion Nkr121.39 Billion ▲ +285.1%
2010 0.01x Nkr1.26 Billion Nkr1.25 Billion Nkr125.38 Billion ▲ +13.3%
2009 0.01x Nkr1.03 Billion Nkr1.02 Billion Nkr116.84 Billion ▲ +165.5%
2008 0.00x Nkr399.00 Million Nkr283.00 Million Nkr119.89 Billion —
Financial Flexibility Index = (Operating CF − Capex) / Total Liabilities = Free Cash Flow / Total Liabilities