Sai Gon Ha Noi Commercial Joint Stock Bank (SHB) — Cash Flow Quality Index
Sai Gon Ha Noi Commercial Joint Stock Bank (SHB) has a Cash Flow Quality Index of 4.71x as of March 2026. Operating cash flow of ₫17.54 Trillion exceeds net income of ₫3.73 Trillion, indicating high earnings quality where cash backs reported profits. Explore SHB cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Sai Gon Ha Noi Commercial Joint Stock Bank Cash Flow Quality Index (2019–2025)
Historical Cash Flow Quality Index for Sai Gon Ha Noi Commercial Joint Stock Bank across 7 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see SHB cash flow conversion.
Annual Cash Flow Quality Index for Sai Gon Ha Noi Commercial Joint Stock Bank (2019–2025)
Year-by-year earnings quality comparison for Sai Gon Ha Noi Commercial Joint Stock Bank.
| Year | Quality Index | Operating CF (VND) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 2.92x | ₫34.92 Trillion | ₫11.96 Trillion | ▲ +127.8% |
| 2024 | 1.28x | ₫11.95 Trillion | ₫9.32 Trillion | ▼ -67.5% |
| 2023 | 3.95x | ₫29.49 Trillion | ₫7.47 Trillion | ▲ +186.4% |
| 2022 | -4.57x | ₫-35.29 Trillion | ₫7.73 Trillion | ▲ +51.0% |
| 2021 | -9.33x | ₫-46.69 Trillion | ₫5.01 Trillion | ▲ +40.3% |
| 2020 | -15.63x | ₫-40.75 Trillion | ₫2.61 Trillion | ▼ -74.0% |
| 2019 | -8.98x | ₫-21.72 Trillion | ₫2.42 Trillion | — |