Nationwide Building Society (NBS) — Cash Flow Quality Index
Nationwide Building Society (NBS) has a Cash Flow Quality Index of 12.23x as of September 2025. Operating cash flow of £4.16 Billion exceeds net income of £340.00 Million, indicating high earnings quality where cash backs reported profits. Explore Nationwide Building Society debt service capacity to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Nationwide Building Society Cash Flow Quality Index (2003–2025)
Historical Cash Flow Quality Index for Nationwide Building Society across 25 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see Nationwide Building Society cash flow conversion.
Annual Cash Flow Quality Index for Nationwide Building Society (2003–2025)
Year-by-year earnings quality comparison for Nationwide Building Society.
| Year | Quality Index | Operating CF (GBP) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | -3.44x | £-7.91 Billion | £2.30 Billion | ▼ -162.4% |
| 2024 | 5.51x | £7.17 Billion | £1.30 Billion | ▲ +2800.4% |
| 2023 | -0.20x | £-455.00 Million | £2.23 Billion | ▼ -102.4% |
| 2022 | 8.62x | £13.77 Billion | £1.60 Billion | ▼ -35.8% |
| 2021 | 13.44x | £11.06 Billion | £823.00 Million | ▲ +83.6% |
| 2020 | 7.32x | £3.41 Billion | £466.00 Million | ▲ +383.9% |
| 2019 | 1.51x | £962.00 Million | £636.00 Million | ▼ -83.8% |
| 2018 | 9.35x | £9.13 Billion | £977.00 Million | ▲ +325.1% |
| 2018 | 2.20x | £1.64 Billion | £745.00 Million | ▲ +276.3% |
| 2017 | -1.25x | £-944.00 Million | £757.00 Million | ▼ -3132.4% |
| 2016 | -0.04x | £-38.00 Million | £985.00 Million | ▲ +96.2% |
| 2015 | -1.02x | £-855.00 Million | £839.00 Million | ▲ +42.6% |
| 2014 | -1.77x | £-974.00 Million | £549.00 Million | ▲ +0.0% |
| 2014 | -1.77x | £-974.00 Million | £549.00 Million | ▲ +96.9% |
| 2013 | -56.61x | £-11.89 Billion | £210.00 Million | ▼ -682.2% |
| 2012 | 9.72x | £1.97 Billion | £203.00 Million | ▼ -8.4% |
| 2011 | 10.62x | £3.37 Billion | £317.00 Million | ▲ +169.6% |
| 2010 | -15.26x | £-5.20 Billion | £341.00 Million | ▼ -120.3% |
| 2009 | -6.92x | £-1.47 Billion | £212.00 Million | ▼ -145.6% |
| 2008 | 15.18x | £10.42 Billion | £686.10 Million | ▲ +267.5% |
| 2007 | 4.13x | £2.69 Billion | £652.00 Million | ▲ +301.0% |
| 2006 | -2.05x | £-1.15 Billion | £559.20 Million | ▲ +47.4% |
| 2005 | -3.91x | £-2.02 Billion | £517.10 Million | ▼ -403.5% |
| 2004 | -0.78x | £-331.30 Million | £426.80 Million | ▲ +77.6% |
| 2003 | -3.47x | £-1.23 Billion | £353.30 Million | — |