Public Bank Bhd (1295) — Cash Flow Quality Index
Latest as of September 2025:
0.68x
Public Bank Bhd (1295) has a Cash Flow Quality Index of 0.68x as of September 2025. Operating cash flow of RM1.67 Billion is below net income of RM2.45 Billion, suggesting accrual-heavy earnings not yet converted to cash. Explore Public Bank Bhd cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
0.68x
Operating CF / Net Income
Operating Cash Flow
RM1.67 Billion
MYR
Net Income
RM2.45 Billion
MYR
Data as of
Sep 2025
Most recent filing
Public Bank Bhd Cash Flow Quality Index (2005–2024)
Historical Cash Flow Quality Index for Public Bank Bhd across 20 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see 1295 cash generation efficiency.
Annual Cash Flow Quality Index for Public Bank Bhd (2005–2024)
Year-by-year earnings quality comparison for Public Bank Bhd.
| Year | Quality Index | Operating CF (MYR) | Net Income | YoY Change |
|---|---|---|---|---|
| 2024 | 0.92x | RM8.25 Billion | RM8.93 Billion | ▲ +316.9% |
| 2023 | -0.43x | RM-2.83 Billion | RM6.65 Billion | ▼ -141.1% |
| 2022 | 1.04x | RM9.16 Billion | RM8.83 Billion | ▲ +14.7% |
| 2021 | 0.90x | RM6.66 Billion | RM7.37 Billion | ▼ -61.3% |
| 2020 | 2.33x | RM14.67 Billion | RM6.29 Billion | ▲ +1803.7% |
| 2019 | 0.12x | RM874.68 Million | RM7.13 Billion | ▼ -92.7% |
| 2018 | 1.67x | RM11.88 Billion | RM7.10 Billion | ▲ +42.5% |
| 2017 | 1.17x | RM8.35 Billion | RM7.12 Billion | ▲ +387.3% |
| 2016 | 0.24x | RM1.58 Billion | RM6.55 Billion | ▼ -81.4% |
| 2015 | 1.30x | RM8.42 Billion | RM6.49 Billion | ▼ -25.0% |
| 2014 | 1.73x | RM10.05 Billion | RM5.81 Billion | ▲ +44.7% |
| 2013 | 1.19x | RM6.34 Billion | RM5.31 Billion | ▲ +146.7% |
| 2012 | 0.48x | RM2.44 Billion | RM5.05 Billion | ▲ +115.1% |
| 2011 | -3.21x | RM-15.66 Billion | RM4.88 Billion | ▼ -133.6% |
| 2010 | -1.37x | RM-5.61 Billion | RM4.09 Billion | ▼ -138.6% |
| 2009 | 3.56x | RM11.81 Billion | RM3.32 Billion | ▲ +60.0% |
| 2008 | 2.22x | RM7.51 Billion | RM3.38 Billion | ▼ -52.6% |
| 2007 | 4.69x | RM14.09 Billion | RM3.00 Billion | ▲ +151.7% |
| 2006 | 1.86x | RM4.51 Billion | RM2.42 Billion | ▲ +251.4% |
| 2005 | -1.23x | RM-2.54 Billion | RM2.06 Billion | — |
Cash Flow Quality Index = Operating Cash Flow / Net Income. Ratios above 1.0x indicate cash-backed earnings.