Vietnam Technological And Commercial Joint Stock Bank (TCB) — Cash Flow Quality Index
Vietnam Technological And Commercial Joint Stock Bank (TCB) has a Cash Flow Quality Index of -0.61x as of June 2026. Operating cash flow of ₫-4.50 Trillion is below net income of ₫7.35 Trillion, suggesting accrual-heavy earnings not yet converted to cash. Explore TCB debt coverage from operations to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Vietnam Technological And Commercial Joint Stock Bank Cash Flow Quality Index (2019–2025)
Historical Cash Flow Quality Index for Vietnam Technological And 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 cash flow conversion of Vietnam Technological And Commercial Joi.
Annual Cash Flow Quality Index for Vietnam Technological And Commercial Joint Stock Bank (2019–2025)
Year-by-year earnings quality comparison for Vietnam Technological And Commercial Joint Stock Bank.
| Year | Quality Index | Operating CF (VND) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.58x | ₫39.92 Trillion | ₫25.29 Trillion | ▼ -19.8% |
| 2024 | 1.97x | ₫42.38 Trillion | ₫21.52 Trillion | ▲ +194.1% |
| 2023 | 0.67x | ₫12.05 Trillion | ₫18.00 Trillion | ▲ +131.2% |
| 2022 | -2.15x | ₫-43.29 Trillion | ₫20.15 Trillion | ▲ +56.7% |
| 2021 | -4.96x | ₫-89.44 Trillion | ₫18.04 Trillion | ▼ -43.9% |
| 2020 | -3.45x | ₫-42.47 Trillion | ₫12.32 Trillion | ▲ +13.4% |
| 2019 | -3.98x | ₫-40.09 Trillion | ₫10.08 Trillion | — |