Clientele (CLI) — Cash Flow Quality Index
Latest as of June 2025:
-1.94x
Clientele (CLI) has a Cash Flow Quality Index of -1.94x as of June 2025. Operating cash flow of ZAC-346.52 Million is below net income of ZAC179.00 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore Clientele debt service capacity to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
-1.94x
Operating CF / Net Income
Operating Cash Flow
ZAC-346.52 Million
ZAC
Net Income
ZAC179.00 Million
ZAC
Data as of
Jun 2025
Most recent filing
Clientele Cash Flow Quality Index (2002–2025)
Historical Cash Flow Quality Index for Clientele across 24 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see Clientele (CLI) cash flow conversion.
Annual Cash Flow Quality Index for Clientele (2002–2025)
Year-by-year earnings quality comparison for Clientele.
| Year | Quality Index | Operating CF (ZAC) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 0.32x | ZAC413.39 Million | ZAC1.30 Billion | ▼ -61.6% |
| 2024 | 0.83x | ZAC456.00 Million | ZAC550.03 Million | ▲ +323.1% |
| 2023 | -0.37x | ZAC-212.28 Million | ZAC571.35 Million | ▼ -303.6% |
| 2022 | 0.18x | ZAC120.59 Million | ZAC660.94 Million | ▲ +175.2% |
| 2021 | 0.07x | ZAC38.35 Million | ZAC578.41 Million | ▼ -90.3% |
| 2020 | 0.68x | ZAC310.55 Million | ZAC455.41 Million | ▲ +387.8% |
| 2019 | -0.24x | ZAC-89.06 Million | ZAC375.91 Million | ▼ -180.3% |
| 2018 | 0.30x | ZAC200.48 Million | ZAC679.42 Million | ▲ +356.6% |
| 2017 | 0.06x | ZAC41.50 Million | ZAC642.16 Million | ▼ -50.1% |
| 2016 | 0.13x | ZAC73.06 Million | ZAC564.30 Million | ▼ -49.5% |
| 2015 | 0.26x | ZAC128.72 Million | ZAC501.89 Million | ▲ +120.0% |
| 2014 | 0.12x | ZAC49.24 Million | ZAC422.39 Million | ▲ +64.2% |
| 2013 | 0.07x | ZAC28.23 Million | ZAC397.61 Million | ▼ -63.2% |
| 2012 | 0.19x | ZAC72.97 Million | ZAC378.50 Million | ▼ -59.5% |
| 2011 | 0.48x | ZAC90.50 Million | ZAC190.23 Million | ▲ +1639.6% |
| 2010 | 0.03x | ZAC4.06 Million | ZAC148.46 Million | ▲ +103.8% |
| 2009 | -0.72x | ZAC-98.85 Million | ZAC137.96 Million | ▼ -152.7% |
| 2008 | 1.36x | ZAC182.52 Million | ZAC134.21 Million | ▲ +166.9% |
| 2007 | 0.51x | ZAC53.42 Million | ZAC104.84 Million | ▲ +22.1% |
| 2006 | 0.42x | ZAC37.89 Million | ZAC90.78 Million | ▼ -91.4% |
| 2005 | 4.83x | ZAC402.83 Million | ZAC83.36 Million | ▲ +157.0% |
| 2004 | 1.88x | ZAC115.67 Million | ZAC61.52 Million | ▲ +775.5% |
| 2003 | 0.21x | ZAC10.59 Million | ZAC49.30 Million | ▼ -84.0% |
| 2002 | 1.34x | ZAC59.65 Million | ZAC44.51 Million | — |
Cash Flow Quality Index = Operating Cash Flow / Net Income. Ratios above 1.0x indicate cash-backed earnings.