Sparebanken Norge (OSL:SBNOR)
Norway · Delayed Price · Currency is NOK 202.25
-3.60 (-1.75%)
Nov 6, 2026, 4:25 PM CET
Sparebanken Norge Cash Flow Statement
Financials in millions NOK. Fiscal year is January - December.
Millions NOK. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Income | 7,057 | 6,491 | 4,653 | 3,545 | 2,817 | 2,513 |
Depreciation & Amortization | 363 | 272 | 100 | 99 | 95 | 91 |
Other Amortization | 81 | 81 | 78 | 87 | 119 | 117 |
Total Asset Writedown | - | - | - | 6 | 7 | - |
Other Operating Activities | 373 | 104 | -404 | 52 | -657 | -565 |
Operating Cash Flow | 7,874 | 6,948 | 4,427 | 3,789 | 2,381 | 2,156 |
Operating Cash Flow Growth | 14.28% | 56.95% | 16.84% | 59.14% | 10.44% | 23.98% |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Capital Expenditures | -145 | -88 | -72 | -107 | -123 | -93 |
Sale of Property, Plant and Equipment | 53 | 22 | - | 6 | - | 5 |
Cash Acquisitions | 889 | 1,400 | - | - | - | - |
Investment in Securities | 9,220 | 3,113 | -3,187 | -6,092 | -8,091 | 5,322 |
Divestitures | - | - | - | - | 168 | - |
Net Decrease (Increase) in Loans Originated / Sold - Investing | -46,813 | -36,887 | -25,673 | -32,828 | -19,052 | -21,462 |
Other Investing Activities | 197 | 190 | 129 | 141 | 184 | 219 |
Investing Cash Flow | -36,599 | -32,250 | -28,803 | -38,880 | -26,914 | -16,009 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Long-Term Debt Issued | - | 66,667 | 30,463 | 38,935 | 29,979 | 22,767 |
Long-Term Debt Repaid | - | -52,972 | -16,542 | -17,283 | -20,044 | -15,690 |
Net Debt Issued (Repaid) | 38,087 | 13,695 | 13,921 | 21,652 | 9,935 | 7,077 |
Common Dividends Paid | -4,912 | -2,322 | -2,673 | -1,932 | -1,028 | -908 |
Net Increase (Decrease) in Deposit Accounts | -4,698 | 13,531 | 13,224 | 15,615 | 15,437 | 7,800 |
Other Financing Activities | - | 1 | -1 | - | -2 | - |
Financing Cash Flow | 28,477 | 24,905 | 24,471 | 35,335 | 24,342 | 13,969 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Cash Flow | -248 | -397 | 96 | 244 | -191 | 117 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Free Cash Flow | 7,729 | 6,860 | 4,355 | 3,682 | 2,258 | 2,063 |
Free Cash Flow Growth | 13.41% | 57.52% | 18.28% | 63.07% | 9.45% | 29.42% |
Free Cash Flow Margin | 59.25% | 58.67% | 57.84% | 59.46% | 43.48% | 44.90% |
Free Cash Flow Per Share | 44.76 | 45.70 | 39.72 | 33.60 | 21.03 | 19.29 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash Interest Paid | 21,495 | 18,664 | 12,851 | 9,108 | 3,566 | 1,426 |
Cash Income Tax Paid | 993 | 900 | 1,037 | 725 | 694 | 380 |