AB Siauliu Bankas (ZH5) — Cash Flow Quality Index
AB Siauliu Bankas (ZH5) has a Cash Flow Quality Index of -2.96x as of March 2026. Operating cash flow of €-45.58 Million is below net income of €15.42 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore how well can AB Siauliu Bankas 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
AB Siauliu Bankas Cash Flow Quality Index (2020–2025)
Historical Cash Flow Quality Index for AB Siauliu Bankas across 6 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see cash flow conversion of AB Siauliu Bankas.
Annual Cash Flow Quality Index for AB Siauliu Bankas (2020–2025)
Year-by-year earnings quality comparison for AB Siauliu Bankas.
| Year | Quality Index | Operating CF (EUR) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 5.28x | €320.32 Million | €60.69 Million | ▲ +178.5% |
| 2024 | -6.72x | €-529.69 Million | €78.79 Million | ▼ -958.0% |
| 2023 | 0.78x | €59.08 Million | €75.40 Million | ▲ +113.8% |
| 2022 | -5.66x | €-360.29 Million | €63.61 Million | ▼ -163.6% |
| 2021 | 8.91x | €491.83 Million | €55.22 Million | ▲ +210.0% |
| 2020 | 2.87x | €429.63 Million | €149.53 Million | — |