Bank of Montreal Cash Flow Quality Index
Bank of Montreal 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. See Bank of Montreal free cash flow to debt ratio 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 Bank of Montreal (1994–2025)
Cash flow quality index of Bank of Montreal from 1994 to 2025. Historical Cash Flow Quality Index for Bank of Montreal across 36 annual periods. Values consistently above 1.0x indicate high-quality earnings. Explore BMO operating cash to total liabilities to assess how comfortably operating cash covers total debt obligations.
Bank of Montreal Cash Flow Quality Index by Year (1994–2025)
Bank of Montreal cash flow quality index by year from 1994 to 2025. Year-by-year earnings quality comparison for Bank of Montreal. For the full cash flow conversion analysis, see Bank of Montreal (BMO) cash conversion ratio.
| 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 | — |