National Australia Bank Ltd (NAB) — Cash Flow Quality Index
National Australia Bank Ltd (NAB) has a Cash Flow Quality Index of 3.13x as of September 2025. Operating cash flow of AU$10.51 Billion exceeds net income of AU$3.36 Billion, indicating high earnings quality where cash backs reported profits. Explore NAB long-term investment intensity to see how much of total assets are deployed in long-term investments.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
National Australia Bank Ltd Cash Flow Quality Index (1989–2025)
Historical Cash Flow Quality Index for National Australia Bank Ltd across 37 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check National Australia Bank Ltd tangible book value ratio to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for National Australia Bank Ltd (1989–2025)
Year-by-year earnings quality comparison for National Australia Bank Ltd. For live market cap and the full company financial profile, see NAB company net worth.
| Year | Quality Index | Operating CF (AUD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.25x | AU$8.51 Billion | AU$6.79 Billion | ▲ +124.4% |
| 2024 | -5.14x | AU$-35.78 Billion | AU$6.96 Billion | ▼ -42.8% |
| 2023 | -3.60x | AU$-26.70 Billion | AU$7.41 Billion | ▼ -187.9% |
| 2022 | 4.10x | AU$28.22 Billion | AU$6.89 Billion | ▲ +3333.8% |
| 2021 | 0.12x | AU$759.00 Million | AU$6.36 Billion | ▼ -99.1% |
| 2020 | 13.24x | AU$33.89 Billion | AU$2.56 Billion | ▲ +1183.5% |
| 2019 | -1.22x | AU$-5.87 Billion | AU$4.80 Billion | ▲ +7.7% |
| 2018 | -1.32x | AU$-7.35 Billion | AU$5.55 Billion | ▲ +76.8% |
| 2017 | -5.72x | AU$-30.21 Billion | AU$5.29 Billion | ▲ +91.4% |
| 2016 | -66.65x | AU$-23.46 Billion | AU$352.00 Million | ▼ -3825.4% |
| 2015 | -1.70x | AU$-10.76 Billion | AU$6.34 Billion | ▲ +70.3% |
| 2014 | -5.72x | AU$-30.26 Billion | AU$5.29 Billion | ▼ -2729.4% |
| 2013 | 0.22x | AU$1.16 Billion | AU$5.36 Billion | ▲ +103.7% |
| 2012 | -5.82x | AU$-23.74 Billion | AU$4.08 Billion | ▼ -431.2% |
| 2011 | 1.76x | AU$9.16 Billion | AU$5.22 Billion | ▲ +26.5% |
| 2010 | 1.39x | AU$5.87 Billion | AU$4.22 Billion | ▼ -71.7% |
| 2009 | 4.91x | AU$12.70 Billion | AU$2.59 Billion | ▲ +141.8% |
| 2008 | 2.03x | AU$9.20 Billion | AU$4.54 Billion | ▲ +165.5% |
| 2007 | -3.10x | AU$-14.18 Billion | AU$4.58 Billion | ▼ -32.8% |
| 2006 | -2.33x | AU$-10.24 Billion | AU$4.39 Billion | ▼ -169.1% |
| 2005 | 3.38x | AU$13.95 Billion | AU$4.13 Billion | ▲ +69.8% |
| 2004 | 1.99x | AU$6.32 Billion | AU$3.18 Billion | ▲ +1734.9% |
| 2003 | -0.12x | AU$-481.00 Million | AU$3.96 Billion | ▼ -105.7% |
| 2002 | 2.15x | AU$7.24 Billion | AU$3.37 Billion | ▲ +67.2% |
| 2001 | 1.28x | AU$2.67 Billion | AU$2.08 Billion | ▲ +82.6% |
| 2000 | 0.70x | AU$2.28 Billion | AU$3.24 Billion | ▼ -44.0% |
| 1999 | 1.26x | AU$3.54 Billion | AU$2.82 Billion | ▲ +387.2% |
| 1998 | 0.26x | AU$519.00 Million | AU$2.01 Billion | ▼ -73.8% |
| 1997 | 0.99x | AU$2.19 Billion | AU$2.22 Billion | ▼ -19.8% |
| 1996 | 1.23x | AU$2.58 Billion | AU$2.10 Billion | ▲ +61.6% |
| 1995 | 0.76x | AU$1.50 Billion | AU$1.97 Billion | ▼ -63.3% |
| 1994 | 2.07x | AU$3.54 Billion | AU$1.71 Billion | ▼ -28.0% |
| 1993 | 2.88x | AU$3.25 Billion | AU$1.13 Billion | ▼ -17.9% |
| 1992 | 3.50x | AU$2.37 Billion | AU$675.10 Million | ▲ +41.9% |
| 1991 | 2.47x | AU$1.78 Billion | AU$720.40 Million | ▲ +101.3% |
| 1990 | 1.23x | AU$940.80 Million | AU$767.00 Million | ▲ +8.5% |
| 1989 | 1.13x | AU$885.00 Million | AU$782.70 Million | — |