Merchants Bancorp (MBIN) — Cash Flow Quality Index
Merchants Bancorp (MBIN) has a Cash Flow Quality Index of 0.54x as of September 2025. Operating cash flow of $29.77 Million is below net income of $54.70 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore MBIN operating cash flow to assess how effectively this company generates cash.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Merchants Bancorp Cash Flow Quality Index (2015–2024)
Historical Cash Flow Quality Index for Merchants Bancorp across 10 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check MBIN capex plus investments ratio to assess the company's total reinvestment commitment from operating cash flow.
Annual Cash Flow Quality Index for Merchants Bancorp (2015–2024)
Year-by-year earnings quality comparison for Merchants Bancorp. For live market cap and the full company financial profile, see Merchants Bancorp market capitalisation.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2024 | -2.61x | $-835.28 Million | $320.39 Million | ▼ -104.3% |
| 2023 | -1.28x | $-356.40 Million | $279.23 Million | ▼ -128.7% |
| 2022 | 4.44x | $975.77 Million | $219.72 Million | ▲ +2149.3% |
| 2021 | -0.22x | $-49.22 Million | $227.10 Million | ▲ +95.5% |
| 2020 | -4.85x | $-874.89 Million | $180.53 Million | ▲ +70.2% |
| 2019 | -16.26x | $-1.26 Billion | $77.33 Million | ▼ -600.2% |
| 2018 | 3.25x | $204.34 Million | $62.87 Million | ▲ +201.0% |
| 2017 | -3.22x | $-175.89 Million | $54.68 Million | ▲ +28.9% |
| 2016 | -4.52x | $-149.77 Million | $33.13 Million | ▼ -208.4% |
| 2015 | 4.17x | $118.33 Million | $28.38 Million | — |