UNICREDIT S.P.A. ADR (CRIP) — Cash Flow Quality Index
UNICREDIT S.P.A. ADR (CRIP) has a Cash Flow Quality Index of 0.78x as of December 2025. Operating cash flow of €8.53 Billion is below net income of €10.91 Billion, suggesting accrual-heavy earnings not yet converted to cash. Explore UNICREDIT S.P.A. ADR (CRIP) debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
UNICREDIT S.P.A. ADR Cash Flow Quality Index (2021–2025)
Historical Cash Flow Quality Index for UNICREDIT S.P.A. ADR across 5 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see UNICREDIT S.P.A. ADR cash conversion from operations.
Annual Cash Flow Quality Index for UNICREDIT S.P.A. ADR (2021–2025)
Year-by-year earnings quality comparison for UNICREDIT S.P.A. ADR.
| Year | Quality Index | Operating CF (EUR) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 0.78x | €8.53 Billion | €10.91 Billion | ▲ +207.3% |
| 2024 | -0.73x | €-7.08 Billion | €9.72 Billion | ▲ +83.2% |
| 2023 | -4.33x | €-41.13 Billion | €9.51 Billion | ▼ -372.2% |
| 2022 | 1.59x | €10.26 Billion | €6.46 Billion | ▲ +144.3% |
| 2021 | -3.59x | €-7.52 Billion | €2.10 Billion | — |