Ho Chi Minh City Development Joint Stock Commercial Bank (HDB) — Cash Flow Quality Index
Ho Chi Minh City Development Joint Stock Commercial Bank (HDB) has a Cash Flow Quality Index of -0.06x as of March 2026. Operating cash flow of ₫-268.85 Billion is below net income of ₫4.77 Trillion, suggesting accrual-heavy earnings not yet converted to cash. Explore Ho Chi Minh City Development Joint Stock (HDB) debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Ho Chi Minh City Development Joint Stock Commercial Bank Cash Flow Quality Index (2019–2025)
Historical Cash Flow Quality Index for Ho Chi Minh City Development Joint Stock Commercial Bank across 7 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see HDB cash generation efficiency.
Annual Cash Flow Quality Index for Ho Chi Minh City Development Joint Stock Commercial Bank (2019–2025)
Year-by-year earnings quality comparison for Ho Chi Minh City Development Joint Stock Commercial Bank.
| Year | Quality Index | Operating CF (VND) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 4.57x | ₫75.41 Trillion | ₫16.50 Trillion | ▲ +889.8% |
| 2024 | -0.58x | ₫-7.38 Trillion | ₫12.76 Trillion | ▼ -107.2% |
| 2023 | 8.01x | ₫80.66 Trillion | ₫10.07 Trillion | ▲ +284.5% |
| 2022 | -4.34x | ₫-33.64 Trillion | ₫7.75 Trillion | ▼ -4.8% |
| 2021 | -4.14x | ₫-25.08 Trillion | ₫6.05 Trillion | ▲ +64.1% |
| 2020 | -11.54x | ₫-49.02 Trillion | ₫4.25 Trillion | ▼ -160.1% |
| 2019 | -4.44x | ₫-15.99 Trillion | ₫3.60 Trillion | — |