Banca Transilvania S.A. (TLV) — Cash Flow Quality Index
Banca Transilvania S.A. (TLV) has a Cash Flow Quality Index of 0.52x as of September 2025. Operating cash flow of RON651.75 Million is below net income of RON1.24 Billion, suggesting accrual-heavy earnings not yet converted to cash. Explore cash flow to debt ratio of Banca Transilvania S.A. to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Banca Transilvania S.A. Cash Flow Quality Index (2019–2024)
Historical Cash Flow Quality Index for Banca Transilvania S.A. across 6 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see TLV cash flow conversion.
Annual Cash Flow Quality Index for Banca Transilvania S.A. (2019–2024)
Year-by-year earnings quality comparison for Banca Transilvania S.A..
| Year | Quality Index | Operating CF (RON) | Net Income | YoY Change |
|---|---|---|---|---|
| 2024 | -0.84x | RON-3.96 Billion | RON4.73 Billion | ▼ -142.5% |
| 2023 | 1.97x | RON5.88 Billion | RON2.98 Billion | ▲ +248.4% |
| 2022 | -1.33x | RON-3.30 Billion | RON2.49 Billion | ▼ -120.5% |
| 2021 | 6.48x | RON13.25 Billion | RON2.05 Billion | ▼ -28.9% |
| 2020 | 9.12x | RON13.46 Billion | RON1.48 Billion | ▲ +104.0% |
| 2019 | 4.47x | RON7.96 Billion | RON1.78 Billion | — |