Banco Patagonia (BPAT) — Cash Flow Quality Index
Latest as of December 2025:
-0.40x
Banco Patagonia (BPAT) has a Cash Flow Quality Index of -0.40x as of December 2025. Operating cash flow of AR$-9.91 Billion is below net income of AR$24.94 Billion, suggesting accrual-heavy earnings not yet converted to cash. Explore Banco Patagonia (BPAT) debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
-0.40x
Operating CF / Net Income
Operating Cash Flow
AR$-9.91 Billion
ARS
Net Income
AR$24.94 Billion
ARS
Data as of
Dec 2025
Most recent filing
Banco Patagonia Cash Flow Quality Index (2015–2025)
Historical Cash Flow Quality Index for Banco Patagonia across 11 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see BPAT cash flow conversion.
Annual Cash Flow Quality Index for Banco Patagonia (2015–2025)
Year-by-year earnings quality comparison for Banco Patagonia.
| Year | Quality Index | Operating CF (ARS) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 5.16x | AR$562.70 Billion | AR$109.11 Billion | ▲ +127.5% |
| 2024 | 2.27x | AR$616.06 Billion | AR$271.78 Billion | ▲ +200.6% |
| 2023 | 0.75x | AR$138.45 Billion | AR$183.61 Billion | ▼ -84.1% |
| 2022 | 4.75x | AR$87.85 Billion | AR$18.50 Billion | ▼ -62.1% |
| 2021 | 12.53x | AR$87.85 Billion | AR$7.01 Billion | ▲ +321.6% |
| 2020 | -5.65x | AR$-59.26 Billion | AR$10.48 Billion | ▼ -263.8% |
| 2019 | 3.45x | AR$60.86 Billion | AR$17.63 Billion | ▲ +137.7% |
| 2018 | -9.16x | AR$-48.99 Billion | AR$5.35 Billion | ▼ -182.3% |
| 2017 | -3.24x | AR$-10.11 Billion | AR$3.12 Billion | ▼ -519.8% |
| 2016 | 0.77x | AR$2.47 Billion | AR$3.20 Billion | ▼ -18.5% |
| 2015 | 0.95x | AR$2.28 Billion | AR$2.41 Billion | — |
Cash Flow Quality Index = Operating Cash Flow / Net Income. Ratios above 1.0x indicate cash-backed earnings.