Zions Bancorporation Cash Flow Quality Index
Zions Bancorporation cash flow quality index. Zions Bancorporation (ZION) has a Cash Flow Quality Index of 1.97x as of September 2025. Operating cash flow of $438.00 Million exceeds net income of $222.00 Million, indicating high earnings quality where cash backs reported profits. See financial flexibility index of Zions Bancorporation to measure the company's free cash flow as a share of total liabilities.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of Zions Bancorporation (1989–2024)
Cash flow quality index of Zions Bancorporation from 1989 to 2024. Historical Cash Flow Quality Index for Zions Bancorporation across 33 annual periods. Values consistently above 1.0x indicate high-quality earnings. Explore ZION cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
Zions Bancorporation Cash Flow Quality Index by Year (1989–2024)
Zions Bancorporation cash flow quality index by year from 1989 to 2024. Year-by-year earnings quality comparison for Zions Bancorporation. For the full cash flow conversion analysis, see ZION cash flow metrics.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2024 | 1.46x | $1.15 Billion | $784.00 Million | ▲ +12.5% |
| 2023 | 1.30x | $885.00 Million | $680.00 Million | ▼ -19.7% |
| 2022 | 1.62x | $1.47 Billion | $907.00 Million | ▲ +190.9% |
| 2021 | 0.56x | $629.00 Million | $1.13 Billion | ▼ -58.2% |
| 2020 | 1.33x | $719.00 Million | $539.00 Million | ▲ +56.2% |
| 2019 | 0.85x | $697.00 Million | $816.00 Million | ▼ -35.8% |
| 2018 | 1.33x | $1.18 Billion | $884.00 Million | ▼ -15.1% |
| 2017 | 1.57x | $928.00 Million | $592.00 Million | ▲ +23.4% |
| 2016 | 1.27x | $596.07 Million | $469.05 Million | ▼ -15.2% |
| 2015 | 1.50x | $464.00 Million | $309.47 Million | ▲ +57.1% |
| 2014 | 0.95x | $380.34 Million | $398.46 Million | ▼ -69.9% |
| 2013 | 3.17x | $835.11 Million | $263.45 Million | ▲ +49.9% |
| 2012 | 2.11x | $736.20 Million | $348.15 Million | ▼ -36.2% |
| 2011 | 3.31x | $1.07 Billion | $322.69 Million | ▲ +123.1% |
| 2007 | 1.48x | $732.90 Million | $493.75 Million | ▼ -17.3% |
| 2006 | 1.80x | $1.05 Billion | $583.12 Million | ▲ +14.3% |
| 2005 | 1.57x | $754.19 Million | $480.12 Million | ▼ -3.7% |
| 2004 | 1.63x | $662.37 Million | $405.99 Million | ▲ +25.2% |
| 2003 | 1.30x | $440.19 Million | $337.82 Million | ▲ +21.0% |
| 2002 | 1.08x | $276.06 Million | $256.28 Million | ▼ -63.9% |
| 2001 | 2.98x | $843.38 Million | $283.02 Million | ▲ +38.0% |
| 2000 | 2.16x | $349.19 Million | $161.71 Million | ▲ +29837.9% |
| 1999 | 0.01x | $1.40 Million | $194.10 Million | ▲ +108.9% |
| 1998 | -0.08x | $-11.60 Million | $143.40 Million | ▼ -135.3% |
| 1997 | 0.23x | $30.10 Million | $131.40 Million | ▼ -79.5% |
| 1996 | 1.12x | $134.80 Million | $120.40 Million | ▼ -56.1% |
| 1995 | 2.55x | $210.20 Million | $82.40 Million | ▲ +409.4% |
| 1994 | -0.82x | $-52.60 Million | $63.80 Million | ▼ -134.6% |
| 1993 | 2.38x | $122.50 Million | $51.40 Million | ▲ +570.2% |
| 1992 | -0.51x | $-22.00 Million | $43.40 Million | ▼ -131.9% |
| 1991 | 1.59x | $46.30 Million | $29.10 Million | ▼ -46.7% |
| 1990 | 2.98x | $79.40 Million | $26.60 Million | ▼ -22.6% |
| 1989 | 3.86x | $53.60 Million | $13.90 Million | — |