First BanCorp. Cash Flow Quality Index
First BanCorp. cash flow quality index. First BanCorp. (FBP) has a Cash Flow Quality Index of 0.97x as of June 2026. Operating cash flow of $93.41 Million is below net income of $96.15 Million, suggesting accrual-heavy earnings not yet converted to cash. See FBP free cash flow debt coverage 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 First BanCorp. (1991–2025)
Cash flow quality index of First BanCorp. from 1991 to 2025. Historical Cash Flow Quality Index for First BanCorp. across 31 annual periods. Values consistently above 1.0x indicate high-quality earnings. Explore FBP debt coverage from operations to assess how comfortably operating cash covers total debt obligations.
First BanCorp. Cash Flow Quality Index by Year (1991–2025)
First BanCorp. cash flow quality index by year from 1991 to 2025. Year-by-year earnings quality comparison for First BanCorp.. For the full cash flow conversion analysis, see First BanCorp. operating cash flow efficiency.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.29x | $445.07 Million | $344.87 Million | ▼ -4.6% |
| 2024 | 1.35x | $404.15 Million | $298.72 Million | ▲ +12.9% |
| 2023 | 1.20x | $362.96 Million | $302.86 Million | ▼ -17.0% |
| 2022 | 1.44x | $440.49 Million | $305.07 Million | ▲ +1.5% |
| 2021 | 1.42x | $399.72 Million | $281.02 Million | ▼ -51.1% |
| 2020 | 2.91x | $297.74 Million | $102.27 Million | ▲ +65.6% |
| 2019 | 1.76x | $294.28 Million | $167.38 Million | ▲ +22.9% |
| 2018 | 1.43x | $288.32 Million | $201.61 Million | ▼ -59.4% |
| 2017 | 3.52x | $235.96 Million | $66.96 Million | ▲ +64.7% |
| 2016 | 2.14x | $199.43 Million | $93.23 Million | ▼ -82.6% |
| 2015 | 12.30x | $261.89 Million | $21.30 Million | ▲ +1724.8% |
| 2014 | 0.67x | $264.35 Million | $392.29 Million | ▼ -91.2% |
| 2012 | 7.68x | $228.85 Million | $29.78 Million | ▲ +380.2% |
| 2008 | 1.60x | $175.91 Million | $109.94 Million | ▲ +80.8% |
| 2007 | 0.88x | $60.29 Million | $68.14 Million | ▼ -63.7% |
| 2006 | 2.44x | $279.41 Million | $114.60 Million | ▼ -23.9% |
| 2005 | 3.20x | $366.97 Million | $114.60 Million | ▲ +260.5% |
| 2004 | 0.89x | $158.89 Million | $178.88 Million | ▼ -41.6% |
| 2003 | 1.52x | $182.26 Million | $119.89 Million | ▼ -14.3% |
| 2002 | 1.77x | $191.39 Million | $107.96 Million | ▼ -3.1% |
| 2001 | 1.83x | $157.38 Million | $86.00 Million | ▲ +4.3% |
| 2000 | 1.76x | $118.07 Million | $67.28 Million | ▼ -5.4% |
| 1999 | 1.86x | $115.15 Million | $62.08 Million | ▲ +0.6% |
| 1998 | 1.84x | $95.50 Million | $51.80 Million | ▲ +2.4% |
| 1997 | 1.80x | $85.50 Million | $47.50 Million | ▲ +1.9% |
| 1996 | 1.77x | $66.40 Million | $37.60 Million | ▼ -59.2% |
| 1995 | 4.33x | $212.60 Million | $49.10 Million | ▲ +217.7% |
| 1994 | -3.68x | $-114.00 Million | $31.00 Million | ▼ -235.5% |
| 1993 | 2.71x | $59.70 Million | $22.00 Million | ▲ +249.9% |
| 1992 | -1.81x | $-27.70 Million | $15.30 Million | ▼ -170.1% |
| 1991 | 2.58x | $29.70 Million | $11.50 Million | — |