Erste Group Bank AG (EBS) — Cash Flow Quality Index
Erste Group Bank AG (EBS) has a Cash Flow Quality Index of -2.39x as of June 2026. Operating cash flow of €-2.62 Billion is below net income of €1.10 Billion, suggesting accrual-heavy earnings not yet converted to cash. Explore how well can Erste Group Bank AG service its debt to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Erste Group Bank AG Cash Flow Quality Index (2004–2025)
Historical Cash Flow Quality Index for Erste Group Bank AG across 20 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see EBS operating cash flow.
Annual Cash Flow Quality Index for Erste Group Bank AG (2004–2025)
Year-by-year earnings quality comparison for Erste Group Bank AG.
| Year | Quality Index | Operating CF (EUR) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.15x | €4.04 Billion | €3.51 Billion | ▲ +139.8% |
| 2024 | -2.89x | €-9.03 Billion | €3.13 Billion | ▼ -434.9% |
| 2023 | 0.86x | €2.59 Billion | €3.00 Billion | ▲ +121.2% |
| 2022 | -4.07x | €-8.82 Billion | €2.16 Billion | ▼ -186.0% |
| 2021 | 4.74x | €11.40 Billion | €2.41 Billion | ▼ -80.2% |
| 2020 | 23.88x | €24.49 Billion | €1.03 Billion | ▲ +836.9% |
| 2019 | -3.24x | €-6.19 Billion | €1.91 Billion | ▼ -141.2% |
| 2018 | -1.34x | €-2.91 Billion | €2.16 Billion | ▼ -164.4% |
| 2017 | 2.09x | €3.48 Billion | €1.67 Billion | ▼ -48.1% |
| 2016 | 4.02x | €6.18 Billion | €1.54 Billion | ▼ -13.6% |
| 2015 | 4.65x | €5.93 Billion | €1.27 Billion | ▲ +310.5% |
| 2013 | -2.21x | €-433.00 Million | €196.00 Million | ▼ -135.2% |
| 2012 | 6.28x | €3.96 Million | €631.00K | ▲ +2227.1% |
| 2010 | 0.27x | €320.00 Million | €1.19 Billion | ▲ +107.9% |
| 2009 | -3.42x | €-3.35 Billion | €977.00 Million | ▼ -24.3% |
| 2008 | -2.76x | €-2.86 Million | €1.04 Million | ▼ -835.1% |
| 2007 | 0.37x | €581.00 Million | €1.55 Billion | ▼ -87.3% |
| 2006 | 2.96x | €3.50 Billion | €1.18 Billion | ▲ +812.7% |
| 2005 | 0.32x | €396.00 Million | €1.22 Billion | ▼ -84.3% |
| 2004 | 2.06x | €2.06 Billion | €996.59 Million | — |