Bank of Montreal (BMO) — Cash Flow Quality Index
Bank of Montreal (BMO) has a Cash Flow Quality Index of -0.54x as of January 2026. Operating cash flow of CA$-1.34 Billion is below net income of CA$2.49 Billion, suggesting accrual-heavy earnings not yet converted to cash. Explore Bank of Montreal long-term investment allocation 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 Montreal Cash Flow Quality Index (1994–2025)
Historical Cash Flow Quality Index for Bank of Montreal across 36 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check tangible equity quality of Bank of Montreal to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for Bank of Montreal (1994–2025)
Year-by-year earnings quality comparison for Bank of Montreal. For live market cap and the full company financial profile, see BMO company net worth.
| Year | Quality Index | Operating CF (CAD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.17x | CA$10.24 Billion | CA$8.72 Billion | ▼ -70.4% |
| 2024 | 3.96x | CA$29.03 Billion | CA$7.33 Billion | ▲ +80.3% |
| 2023 | 2.20x | CA$9.59 Billion | CA$4.37 Billion | ▲ +500.0% |
| 2022 | 0.37x | CA$4.96 Billion | CA$13.54 Billion | ▼ -78.8% |
| 2021 | 1.73x | CA$13.42 Billion | CA$7.75 Billion | ▼ -82.6% |
| 2020 | 9.97x | CA$50.84 Billion | CA$5.10 Billion | ▲ +96.0% |
| 2019 | 5.09x | CA$29.30 Billion | CA$5.76 Billion | ▲ +270.9% |
| 2018 | -2.98x | CA$-16.23 Billion | CA$5.45 Billion | ▼ -254.8% |
| 2017 | -0.84x | CA$-4.32 Billion | CA$5.15 Billion | ▼ -254.4% |
| 2017 | 0.54x | CA$2.91 Billion | CA$5.35 Billion | ▼ -45.9% |
| 2016 | 1.01x | CA$2.56 Billion | CA$2.55 Billion | ▼ -26.9% |
| 2016 | 1.38x | CA$6.37 Billion | CA$4.63 Billion | ▼ -92.8% |
| 2015 | 19.03x | CA$24.13 Billion | CA$1.27 Billion | ▲ +3625.8% |
| 2015 | 0.51x | CA$2.25 Billion | CA$4.41 Billion | ▼ -93.0% |
| 2014 | 7.33x | CA$16.14 Billion | CA$2.20 Billion | ▲ +349.3% |
| 2014 | -2.94x | CA$-12.74 Billion | CA$4.33 Billion | ▼ -209.3% |
| 2013 | 2.69x | CA$11.43 Billion | CA$4.25 Billion | ▲ +9.9% |
| 2012 | 2.45x | CA$10.26 Billion | CA$4.19 Billion | ▲ +1298.2% |
| 2011 | 0.18x | CA$572.00 Million | CA$3.27 Billion | ▲ +107.5% |
| 2010 | -2.34x | CA$-6.58 Billion | CA$2.81 Billion | ▼ -132.7% |
| 2009 | 7.16x | CA$12.79 Billion | CA$1.79 Billion | ▲ +233.5% |
| 2008 | 2.15x | CA$4.25 Billion | CA$1.98 Billion | ▲ +132.8% |
| 2007 | -6.54x | CA$-13.94 Billion | CA$2.13 Billion | ▼ -2928.5% |
| 2006 | 0.23x | CA$616.00 Million | CA$2.66 Billion | ▲ +107.7% |
| 2005 | -3.02x | CA$-7.25 Billion | CA$2.40 Billion | ▼ -384.8% |
| 2004 | 1.06x | CA$2.49 Billion | CA$2.35 Billion | ▲ +120.9% |
| 2003 | -5.08x | CA$-9.27 Billion | CA$1.83 Billion | ▼ -75.8% |
| 2002 | -2.89x | CA$-4.10 Billion | CA$1.42 Billion | ▼ -139.9% |
| 2001 | 7.24x | CA$10.65 Billion | CA$1.47 Billion | ▲ +548.9% |
| 2000 | -1.61x | CA$-2.99 Billion | CA$1.86 Billion | ▼ -151.4% |
| 1999 | 3.14x | CA$4.34 Billion | CA$1.38 Billion | ▲ +43.8% |
| 1998 | 2.18x | CA$2.95 Billion | CA$1.35 Billion | ▲ +264.0% |
| 1997 | -1.33x | CA$-1.74 Billion | CA$1.31 Billion | ▲ +67.7% |
| 1996 | -4.11x | CA$-4.80 Billion | CA$1.17 Billion | ▼ -487.0% |
| 1995 | -0.70x | CA$-690.94 Million | CA$985.95 Million | ▼ -558.6% |
| 1994 | 0.15x | CA$126.07 Million | CA$824.97 Million | — |