Unicaja Banco SA (UNI) — Cash Flow Quality Index

Latest as of September 2023: 0.35x

Unicaja Banco SA (UNI) has a Cash Flow Quality Index of 0.35x as of September 2023. Operating cash flow of €48.00 Million is below net income of €137.00 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore debt repayment capacity of Unicaja Banco SA to assess how comfortably operating cash covers total debt obligations.

Cash Flow Quality Index

0.35x
Operating CF / Net Income

Operating Cash Flow

€48.00 Million
EUR

Net Income

€137.00 Million
EUR

Data as of

Sep 2023
Most recent filing

Unicaja Banco SA Cash Flow Quality Index (2010–2025)

Historical Cash Flow Quality Index for Unicaja Banco SA across 15 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see UNI cash flow conversion.

Annual Cash Flow Quality Index for Unicaja Banco SA (2010–2025)

Year-by-year earnings quality comparison for Unicaja Banco SA.

Year Quality Index Operating CF (EUR) Net Income YoY Change
2025 0.35x €224.20 Million €632.36 Million ▲ +156.5%
2024 -0.63x €-355.53 Million €566.48 Million ▼ -105.9%
2023 10.63x €2.83 Billion €266.70 Million ▲ +115.9%
2022 -66.80x €-17.35 Billion €259.67 Million ▼ -632.7%
2021 12.54x €13.96 Billion €1.11 Billion ▼ -51.9%
2020 26.06x €2.03 Billion €77.83 Million ▲ +2115.2%
2019 -1.29x €-222.76 Million €172.28 Million ▼ -142.4%
2018 3.05x €464.78 Million €152.54 Million ▼ -62.3%
2017 8.08x €1.12 Billion €138.44 Million ▼ -74.9%
2016 32.18x €4.35 Billion €135.06 Million ▲ +218.6%
2015 -27.13x €-4.99 Billion €183.81 Million ▼ -349.6%
2014 -6.03x €-2.70 Billion €447.51 Million ▲ +32.3%
2013 -8.92x €-639.68 Million €71.72 Million ▼ -127.5%
2011 32.48x €3.43 Billion €105.51 Million ▲ +1439.4%
2010 -2.43x €-362.33 Million €149.39 Million —
Cash Flow Quality Index = Operating Cash Flow / Net Income. Ratios above 1.0x indicate cash-backed earnings.