Bank Hapoalim (POLI) — Cash Flow Quality Index
Latest as of March 2026:
5.07x
Bank Hapoalim (POLI) has a Cash Flow Quality Index of 5.07x as of March 2026. Operating cash flow of ILA10.77 Billion exceeds net income of ILA2.12 Billion, indicating high earnings quality where cash backs reported profits. Explore Bank Hapoalim debt service capacity to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
5.07x
Operating CF / Net Income
Operating Cash Flow
ILA10.77 Billion
ILA
Net Income
ILA2.12 Billion
ILA
Data as of
Mar 2026
Most recent filing
Bank Hapoalim Cash Flow Quality Index (2004–2025)
Historical Cash Flow Quality Index for Bank Hapoalim across 21 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see POLI operating cash flow.
Annual Cash Flow Quality Index for Bank Hapoalim (2004–2025)
Year-by-year earnings quality comparison for Bank Hapoalim.
| Year | Quality Index | Operating CF (ILA) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.89x | ILA18.57 Billion | ILA9.80 Billion | ▲ +47.2% |
| 2024 | 1.29x | ILA9.83 Billion | ILA7.63 Billion | ▲ +2268.4% |
| 2023 | -0.06x | ILA-437.00 Million | ILA7.36 Billion | ▼ -393.9% |
| 2022 | 0.02x | ILA132.00 Million | ILA6.53 Billion | ▼ -98.1% |
| 2021 | 1.06x | ILA5.18 Billion | ILA4.90 Billion | ▼ -22.9% |
| 2020 | 1.37x | ILA2.80 Billion | ILA2.04 Billion | ▼ -67.3% |
| 2019 | 4.20x | ILA7.48 Billion | ILA1.78 Billion | ▲ +1489.8% |
| 2018 | -0.30x | ILA-775.00 Million | ILA2.57 Billion | ▼ -104.0% |
| 2017 | 7.51x | ILA19.75 Billion | ILA2.63 Billion | ▲ +2.7% |
| 2016 | 7.31x | ILA19.13 Billion | ILA2.62 Billion | ▲ +82.4% |
| 2015 | 4.01x | ILA12.10 Billion | ILA3.02 Billion | ▲ +452.4% |
| 2014 | 0.73x | ILA1.99 Billion | ILA2.74 Billion | ▼ -59.0% |
| 2013 | 1.77x | ILA4.49 Billion | ILA2.54 Billion | ▼ -66.5% |
| 2012 | 5.29x | ILA13.63 Billion | ILA2.58 Billion | ▲ +279.7% |
| 2011 | 1.39x | ILA3.77 Billion | ILA2.71 Billion | ▼ -25.8% |
| 2010 | 1.88x | ILA4.18 Billion | ILA2.23 Billion | ▼ -43.4% |
| 2009 | 3.32x | ILA4.36 Billion | ILA1.32 Billion | ▲ +196.8% |
| 2007 | 1.12x | ILA2.99 Billion | ILA2.68 Billion | ▼ -18.3% |
| 2006 | 1.37x | ILA4.59 Billion | ILA3.36 Billion | ▼ -1.0% |
| 2005 | 1.38x | ILA3.99 Billion | ILA2.89 Billion | ▼ -26.6% |
| 2004 | 1.88x | ILA3.93 Billion | ILA2.09 Billion | — |
Cash Flow Quality Index = Operating Cash Flow / Net Income. Ratios above 1.0x indicate cash-backed earnings.