Union Bank of Taiwan (2838) — Cash Flow Quality Index
Union Bank of Taiwan (2838) has a Cash Flow Quality Index of -1.68x as of December 2025. Operating cash flow of NT$-2.73 Billion is below net income of NT$1.62 Billion, suggesting accrual-heavy earnings not yet converted to cash. Explore cash flow to debt ratio of Union Bank of Taiwan to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Union Bank of Taiwan Cash Flow Quality Index (2004–2025)
Historical Cash Flow Quality Index for Union Bank of Taiwan across 19 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see Union Bank of Taiwan operating cash flow efficiency.
Annual Cash Flow Quality Index for Union Bank of Taiwan (2004–2025)
Year-by-year earnings quality comparison for Union Bank of Taiwan.
| Year | Quality Index | Operating CF (TWD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | -0.96x | NT$-5.88 Billion | NT$6.10 Billion | ▼ -236.9% |
| 2024 | -0.29x | NT$-1.76 Billion | NT$6.17 Billion | ▼ -107.0% |
| 2023 | 4.10x | NT$21.44 Billion | NT$5.24 Billion | ▲ +709.7% |
| 2022 | -0.67x | NT$-3.06 Billion | NT$4.55 Billion | ▼ -29.5% |
| 2021 | -0.52x | NT$-2.70 Billion | NT$5.21 Billion | ▼ -123.0% |
| 2020 | 2.25x | NT$8.88 Billion | NT$3.94 Billion | ▲ +141.4% |
| 2019 | -5.44x | NT$-21.90 Billion | NT$4.03 Billion | ▼ -134.4% |
| 2018 | 15.83x | NT$55.03 Billion | NT$3.48 Billion | ▲ +197.7% |
| 2017 | -16.19x | NT$-44.46 Billion | NT$2.74 Billion | ▼ -3615.5% |
| 2016 | 0.46x | NT$1.53 Billion | NT$3.31 Billion | ▲ +122.9% |
| 2015 | -2.01x | NT$-7.73 Billion | NT$3.84 Billion | ▼ -247.6% |
| 2014 | 1.36x | NT$5.10 Billion | NT$3.74 Billion | ▲ +146.4% |
| 2013 | -2.94x | NT$-10.02 Billion | NT$3.41 Billion | ▼ -1520.8% |
| 2012 | -0.18x | NT$-563.85 Million | NT$3.11 Billion | ▼ -106.0% |
| 2011 | 3.05x | NT$5.59 Billion | NT$1.84 Billion | ▼ -64.6% |
| 2010 | 8.62x | NT$11.86 Billion | NT$1.38 Billion | ▼ -85.7% |
| 2009 | 60.14x | NT$18.38 Billion | NT$305.53 Million | ▼ -26.2% |
| 2006 | 81.52x | NT$23.64 Billion | NT$289.98 Million | ▲ +3591.7% |
| 2004 | -2.33x | NT$-3.73 Billion | NT$1.60 Billion | — |