Avanza Bank Holding AB (publ) (AZA) — Financial Flexibility Index
Avanza Bank Holding AB (publ) (AZA) has a Financial Flexibility Index of 0.02x as of December 2025. Free cash flow of Skr8.18 Billion (operating CF Skr8.16 Billion minus capex Skr20.00 Million) represents 0% of total liabilities (Skr409.12 Billion). Check Avanza Bank Holding AB (publ) investment reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Avanza Bank Holding AB (publ) Financial Flexibility Index (2002–2025)
Historical Financial Flexibility Index trend for Avanza Bank Holding AB (publ) across 24 annual periods. For the full cash flow conversion analysis, see AZA operating cash flow.
Annual Financial Flexibility Index for Avanza Bank Holding AB (publ) (2002–2025)
Year-by-year free cash flow to debt coverage for Avanza Bank Holding AB (publ). Explore AZA operating cash flow to total debt to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (SEK) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.08x | Skr31.79 Billion | Skr31.72 Billion | Skr409.12 Billion | ▲ +549.6% |
| 2024 | 0.01x | Skr4.04 Billion | Skr3.99 Billion | Skr337.29 Billion | ▼ -61.8% |
| 2023 | 0.03x | Skr8.67 Billion | Skr8.64 Billion | Skr276.62 Billion | ▼ -3.8% |
| 2022 | 0.03x | Skr7.69 Billion | Skr7.65 Billion | Skr236.14 Billion | ▲ +95.0% |
| 2021 | 0.02x | Skr4.58 Billion | Skr4.53 Billion | Skr274.38 Billion | ▼ -51.6% |
| 2020 | 0.03x | Skr6.95 Billion | Skr6.89 Billion | Skr201.60 Billion | ▲ +137.1% |
| 2019 | 0.01x | Skr2.24 Billion | Skr2.23 Billion | Skr154.00 Billion | ▼ -64.4% |
| 2018 | 0.04x | Skr4.92 Billion | Skr4.89 Billion | Skr120.49 Billion | ▲ +163.1% |
| 2017 | 0.02x | Skr1.78 Billion | Skr1.73 Billion | Skr114.69 Billion | ▲ +20.4% |
| 2016 | 0.01x | Skr1.28 Billion | Skr1.25 Billion | Skr99.31 Billion | ▼ -71.1% |
| 2015 | 0.04x | Skr3.91 Billion | Skr3.88 Billion | Skr87.50 Billion | ▲ +100.9% |
| 2014 | 0.02x | Skr1.48 Billion | Skr1.47 Billion | Skr66.48 Billion | ▼ -13.5% |
| 2013 | 0.03x | Skr1.44 Billion | Skr1.43 Billion | Skr55.84 Billion | ▲ +342.6% |
| 2012 | -0.01x | Skr-470.00 Million | Skr-473.00 Million | Skr44.38 Billion | ▼ -115.7% |
| 2011 | 0.07x | Skr2.61 Billion | Skr2.59 Billion | Skr38.71 Billion | ▲ +149.0% |
| 2010 | 0.03x | Skr1.07 Billion | Skr1.05 Billion | Skr39.43 Billion | ▲ +176.2% |
| 2009 | -0.04x | Skr-962.00 Million | Skr-966.00 Million | Skr27.10 Billion | ▼ -121.0% |
| 2008 | 0.17x | Skr2.53 Billion | Skr2.52 Billion | Skr14.97 Billion | ▲ +57.2% |
| 2007 | 0.11x | Skr1.49 Billion | Skr1.48 Billion | Skr13.88 Billion | ▼ -59.0% |
| 2006 | 0.26x | Skr2.16 Billion | Skr2.15 Billion | Skr8.23 Billion | ▲ +210.4% |
| 2005 | 0.08x | Skr350.89 Million | Skr345.95 Million | Skr4.15 Billion | ▲ +182.8% |
| 2004 | -0.10x | Skr-146.14 Million | Skr-151.81 Million | Skr1.43 Billion | ▼ -166.4% |
| 2003 | 0.15x | Skr176.47 Million | Skr169.83 Million | Skr1.15 Billion | ▼ -31.4% |
| 2002 | 0.22x | Skr159.51 Million | Skr158.21 Million | Skr712.22 Million | — |