Banco Hipotecario SA (BHIP) — Cash Flow Quality Index
Banco Hipotecario SA (BHIP) has a Cash Flow Quality Index of -7.03x as of December 2025. Operating cash flow of AR$-146.73 Billion is below net income of AR$20.86 Billion, suggesting accrual-heavy earnings not yet converted to cash. Explore how well can Banco Hipotecario SA service its debt to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Banco Hipotecario SA Cash Flow Quality Index (2015–2025)
Historical Cash Flow Quality Index for Banco Hipotecario SA across 10 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see Banco Hipotecario SA operating cash flow efficiency.
Annual Cash Flow Quality Index for Banco Hipotecario SA (2015–2025)
Year-by-year earnings quality comparison for Banco Hipotecario SA.
| Year | Quality Index | Operating CF (ARS) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 6.61x | AR$166.48 Billion | AR$25.18 Billion | ▲ +116.0% |
| 2024 | 3.06x | AR$246.37 Billion | AR$80.49 Billion | ▲ +152.9% |
| 2023 | 1.21x | AR$149.11 Billion | AR$123.18 Billion | ▼ -94.1% |
| 2022 | 20.59x | AR$124.68 Billion | AR$6.05 Billion | ▲ +143.7% |
| 2020 | -47.17x | AR$-43.23 Billion | AR$916.51 Million | ▼ -471.5% |
| 2019 | 12.70x | AR$22.62 Billion | AR$1.78 Billion | ▲ +309.9% |
| 2018 | 3.10x | AR$6.35 Billion | AR$2.05 Billion | ▲ +135.5% |
| 2017 | -8.73x | AR$-9.87 Billion | AR$1.13 Billion | ▲ +48.3% |
| 2016 | -16.90x | AR$-10.40 Billion | AR$615.33 Million | ▼ -309.1% |
| 2015 | -4.13x | AR$-4.48 Billion | AR$1.09 Billion | — |