Bank of America Corp (BAC) — Cash Flow Quality Index
Bank of America Corp (BAC) has a Cash Flow Quality Index of -3.05x as of December 2025. Operating cash flow of $-22.95 Billion is below net income of $7.53 Billion, suggesting accrual-heavy earnings not yet converted to cash. Explore BAC long-term investments to assets to see how much of total assets are deployed in long-term investments.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Bank of America Corp Cash Flow Quality Index (1992–2025)
Historical Cash Flow Quality Index for Bank of America Corp across 33 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check tangible net worth ratio of Bank of America Corp to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for Bank of America Corp (1992–2025)
Year-by-year earnings quality comparison for Bank of America Corp. For live market cap and the full company financial profile, see Bank of America Corp market cap and net worth.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 0.41x | $12.61 Billion | $30.51 Billion | ▲ +227.4% |
| 2024 | -0.32x | $-8.80 Billion | $27.13 Billion | ▼ -119.1% |
| 2023 | 1.70x | $44.98 Billion | $26.52 Billion | ▲ +838.1% |
| 2022 | -0.23x | $-6.33 Billion | $27.53 Billion | ▼ -2.2% |
| 2021 | -0.22x | $-7.19 Billion | $31.98 Billion | ▼ -110.6% |
| 2020 | 2.12x | $37.99 Billion | $17.89 Billion | ▼ -5.7% |
| 2019 | 2.25x | $61.78 Billion | $27.43 Billion | ▲ +60.4% |
| 2018 | 1.40x | $39.52 Billion | $28.15 Billion | ▲ +159.5% |
| 2017 | 0.54x | $9.86 Billion | $18.23 Billion | ▼ -43.9% |
| 2016 | 0.96x | $17.28 Billion | $17.91 Billion | ▼ -46.0% |
| 2015 | 1.79x | $28.40 Billion | $15.89 Billion | ▼ -68.0% |
| 2014 | 5.58x | $30.80 Billion | $5.52 Billion | ▼ -31.3% |
| 2013 | 8.12x | $92.82 Billion | $11.43 Billion | ▲ +311.8% |
| 2012 | -3.83x | $-16.06 Billion | $4.19 Billion | ▼ -108.6% |
| 2011 | 44.60x | $64.49 Billion | $1.45 Billion | ▲ +115.8% |
| 2009 | 20.67x | $129.73 Billion | $6.28 Billion | ▲ +1953.8% |
| 2008 | 1.01x | $4.03 Billion | $4.01 Billion | ▲ +36.6% |
| 2007 | 0.74x | $11.04 Billion | $14.98 Billion | ▲ +7.3% |
| 2006 | 0.69x | $14.51 Billion | $21.13 Billion | ▲ +192.5% |
| 2005 | -0.74x | $-12.22 Billion | $16.46 Billion | ▼ -194.0% |
| 2004 | -0.25x | $-3.52 Billion | $13.95 Billion | ▼ -111.2% |
| 2003 | 2.25x | $24.31 Billion | $10.81 Billion | ▲ +273.2% |
| 2002 | -1.30x | $-12.01 Billion | $9.25 Billion | ▲ +31.3% |
| 2001 | -1.89x | $-12.83 Billion | $6.79 Billion | ▼ -369.6% |
| 2000 | 0.70x | $5.26 Billion | $7.52 Billion | ▼ -54.2% |
| 1999 | 1.53x | $12.06 Billion | $7.88 Billion | ▼ -41.5% |
| 1998 | 2.62x | $13.52 Billion | $5.17 Billion | ▲ +1101.4% |
| 1997 | 0.22x | $1.43 Billion | $6.54 Billion | ▼ -67.4% |
| 1996 | 0.67x | $3.88 Billion | $5.81 Billion | ▲ +126.4% |
| 1995 | -2.53x | $-4.93 Billion | $1.95 Billion | ▼ -146.9% |
| 1994 | 5.40x | $9.12 Billion | $1.69 Billion | ▲ +228.5% |
| 1993 | 1.64x | $2.14 Billion | $1.30 Billion | ▼ -75.9% |
| 1992 | 6.81x | $7.80 Billion | $1.15 Billion | — |