SpareBank 1 SMN (0IVM) Ratios
SpareBank 1 SMN Ratios
GB:0IVM's free cash flow for Q3 2026 was $2.59B. For the 2026 fiscal year, GB:0IVM's free cash flow was decreased by $-11.00M and operating cash flow was $2.60B. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Quick Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Cash Ratio | 0.01 | 0.00 | 0.01 | 0.01 | 0.01 |
| Solvency Ratio | 0.02 | 0.02 | 0.02 | 0.01 | 0.02 |
| Operating Cash Flow Ratio | 0.02 | 0.01 | 0.08 | -0.06 | -0.01 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | $ -208.77B | $ -216.09B | $ -202.95B | $ -196.77B | $ -173.87B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.20 | 0.22 | 0.21 | 0.22 | 0.22 |
| Debt-to-Equity Ratio | 1.54 | 1.80 | 1.74 | 2.11 | 1.93 |
| Debt-to-Capital Ratio | 0.61 | 0.64 | 0.63 | 0.68 | 0.66 |
| Long-Term Debt-to-Capital Ratio | 0.61 | 0.64 | 0.63 | 0.68 | 0.66 |
| Financial Leverage Ratio | 7.79 | 8.34 | 8.33 | 9.37 | 8.94 |
| Debt Service Coverage Ratio | 0.55 | 0.58 | 0.56 | 0.91 | 2.61 |
| Interest Coverage Ratio | 0.66 | 0.69 | 0.68 | 1.12 | 2.95 |
| Debt to Market Cap | 1.62 | 2.16 | 2.47 | 3.04 | 2.23 |
| Interest Debt Per Share | 391.31 | 426.91 | 399.00 | 410.78 | 341.32 |
| Net Debt to EBITDA | 8.14 | 9.04 | 10.20 | 14.23 | 12.11 |
| Profitability Margins | |||||
| Gross Profit Margin | 49.31% | 49.01% | 52.12% | 64.13% | 82.11% |
| EBIT Margin | 33.37% | 35.17% | 32.38% | 40.06% | 52.78% |
| EBITDA Margin | 34.52% | 36.31% | 33.48% | 41.47% | 55.79% |
| Operating Profit Margin | 33.37% | 35.17% | 32.38% | 40.06% | 52.78% |
| Pretax Profit Margin | 33.37% | 35.17% | 32.38% | 40.06% | 52.78% |
| Net Profit Margin | 26.21% | 27.93% | 26.09% | 32.00% | 44.31% |
| Continuous Operations Profit Margin | 26.81% | 28.61% | 25.85% | 31.41% | 43.68% |
| Net Income Per EBT | 78.53% | 79.42% | 80.60% | 79.87% | 83.96% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.76% | 1.81% | 1.55% | 1.19% | 1.38% |
| Return on Equity (ROE) | 13.73% | 15.10% | 12.94% | 11.15% | 12.32% |
| Return on Capital Employed (ROCE) | 6.34% | 6.09% | 3.14% | 3.85% | 4.51% |
| Return on Invested Capital (ROIC) | 5.09% | 4.95% | 2.51% | 3.02% | 3.74% |
| Return on Tangible Assets | 1.77% | 1.82% | 1.56% | 1.19% | 1.38% |
| Earnings Yield | 14.40% | 18.16% | 18.45% | 16.12% | 14.23% |
| Efficiency Ratios | |||||
| Receivables Turnover | 0.00 | 37.17 | 0.00 | 22.67 | 12.73 |
| Payables Turnover | 61.76 | 54.95 | 34.72 | 25.66 | 7.38 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 22.93 | 21.79 | 20.80 | 14.92 | 9.19 |
| Asset Turnover | 0.07 | 0.06 | 0.06 | 0.04 | 0.03 |
| Working Capital Turnover Ratio | -0.11 | -0.13 | -0.12 | -0.06 | -0.05 |
| Cash Conversion Cycle | -5.91 | 3.18 | -10.51 | 1.87 | -20.79 |
| Days of Sales Outstanding | 0.00 | 9.82 | 0.00 | 16.10 | 28.67 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 5.91 | 6.64 | 10.51 | 14.23 | 49.46 |
| Operating Cycle | 0.00 | 9.82 | 0.00 | 16.10 | 28.67 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 23.60 | 6.08 | 49.29 | -66.95 | -14.11 |
| Free Cash Flow Per Share | 22.57 | 6.08 | 37.16 | -67.64 | -15.23 |
| Dividend Paid and CapEx Coverage Ratio | 1.74 | 0.44 | 7.28 | -8.18 | -2.56 |
| Capital Expenditure Coverage Ratio | 22.99 | 3.64 | 71.65 | -97.28 | -12.59 |
| Operating Cash Flow Coverage Ratio | 0.07 | 0.02 | 0.14 | -0.17 | -0.04 |
| Operating Cash Flow to Sales Ratio | 0.21 | 0.05 | 0.49 | -1.04 | -0.29 |
| Free Cash Flow Yield | 10.96% | 3.55% | 26.21% | -53.09% | -10.22% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 10.80 | 8.52 | 5.42 | 6.21 | 7.03 |
| Price-to-Sales (P/S) Ratio | 1.82 | 1.54 | 1.41 | 1.99 | 3.11 |
| Price-to-Book (P/B) Ratio | 0.95 | 0.83 | 0.70 | 0.69 | 0.87 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 9.13 | 28.17 | 3.82 | -1.88 | -9.78 |
| Price-to-Operating Cash Flow Ratio | 8.73 | 28.17 | 2.88 | -1.90 | -10.56 |
| Price-to-Earnings Growth (PEG) Ratio | -2.13 | 0.45 | 0.11 | -2.21 | 0.21 |
| Enterprise Value Multiple | 13.41 | 13.28 | 14.42 | 19.02 | 17.69 |
| Enterprise Value | 75.58B | 77.42B | 66.89B | 65.45B | 61.06B |
| EV to EBITDA | 13.41 | 13.28 | 14.42 | 19.02 | 17.69 |
| EV to Sales | 4.63 | 4.82 | 4.83 | 7.89 | 9.87 |
| EV to Free Cash Flow | 23.22 | 88.28 | 13.03 | -7.48 | -30.99 |
| EV to Operating Cash Flow | 22.21 | 88.28 | 9.83 | -7.56 | -33.46 |
| Tangible Book Value Per Share | 212.32 | 203.17 | 198.16 | 186.71 | 173.09 |
| Shareholders’ Equity Per Share | 216.14 | 206.00 | 202.23 | 184.12 | 172.04 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.20 | 0.19 | 0.20 | 0.22 | 0.17 |
| Revenue Per Share | 113.23 | 111.35 | 100.29 | 64.16 | 47.84 |
| Net Income Per Share | 29.68 | 31.11 | 26.17 | 20.53 | 21.20 |
| Tax Burden | 0.79 | 0.79 | 0.81 | 0.80 | 0.84 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | 0.80 | 0.30 | 1.88 | -3.11 | -0.63 |
Currency in NOK