Caisse Régionale de Crédit Agricole du Morbihan (CMO) — Cash Flow Quality Index
Caisse Régionale de Crédit Agricole du Morbihan (CMO) has a Cash Flow Quality Index of 0.29x as of December 2025. Operating cash flow of €8.35 Million is below net income of €28.75 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore Caisse Régionale de Crédit Agricole du M cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Caisse Régionale de Crédit Agricole du Morbihan Cash Flow Quality Index (2004–2025)
Historical Cash Flow Quality Index for Caisse Régionale de Crédit Agricole du Morbihan across 22 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see CMO cash generation efficiency.
Annual Cash Flow Quality Index for Caisse Régionale de Crédit Agricole du Morbihan (2004–2025)
Year-by-year earnings quality comparison for Caisse Régionale de Crédit Agricole du Morbihan.
| Year | Quality Index | Operating CF (EUR) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 0.75x | €59.03 Million | €78.70 Million | ▲ +186.6% |
| 2024 | -0.87x | €-67.37 Million | €77.78 Million | ▲ +88.8% |
| 2023 | -7.74x | €-440.39 Million | €56.88 Million | ▼ -215.2% |
| 2022 | 6.72x | €553.37 Million | €82.33 Million | ▲ +245.2% |
| 2021 | 1.95x | €134.14 Million | €68.89 Million | ▲ +4950.4% |
| 2020 | 0.04x | €2.01 Million | €52.21 Million | ▼ -98.7% |
| 2019 | 3.01x | €170.51 Million | €56.58 Million | ▲ +827.3% |
| 2018 | -0.41x | €-27.75 Million | €66.96 Million | ▲ +82.8% |
| 2017 | -2.41x | €-128.48 Million | €53.32 Million | ▼ -130.1% |
| 2016 | 8.01x | €342.36 Million | €42.74 Million | ▲ +266.4% |
| 2015 | 2.19x | €124.73 Million | €57.06 Million | ▲ +55.3% |
| 2014 | 1.41x | €62.86 Million | €44.66 Million | ▲ +188.3% |
| 2013 | -1.59x | €-103.58 Million | €64.97 Million | ▼ -113.2% |
| 2012 | 12.09x | €134.47 Million | €11.12 Million | ▲ +1726.0% |
| 2011 | -0.74x | €-60.58 Million | €81.45 Million | ▲ +63.7% |
| 2010 | -2.05x | €-197.51 Million | €96.48 Million | ▲ +27.3% |
| 2009 | -2.81x | €-160.12 Million | €56.89 Million | ▼ -1094.8% |
| 2008 | 0.28x | €13.97 Million | €49.37 Million | ▼ -77.4% |
| 2007 | 1.25x | €73.00 Million | €58.37 Million | ▼ -12.2% |
| 2006 | 1.42x | €88.99 Million | €62.47 Million | ▲ +252.3% |
| 2005 | 0.40x | €23.14 Million | €57.21 Million | ▼ -80.7% |
| 2004 | 2.09x | €89.52 Million | €42.79 Million | — |