Bank Handlowy w Warszawie SA (BHW) — Cash Flow Quality Index
Bank Handlowy w Warszawie SA (BHW) has a Cash Flow Quality Index of 11.78x as of March 2026. Operating cash flow of zł4.54 Billion exceeds net income of zł385.60 Million, indicating high earnings quality where cash backs reported profits. Explore Bank Handlowy w Warszawie SA 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
Bank Handlowy w Warszawie SA Cash Flow Quality Index (2004–2025)
Historical Cash Flow Quality Index for Bank Handlowy w Warszawie SA across 22 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see Bank Handlowy w Warszawie SA (BHW) cash conversion ratio.
Annual Cash Flow Quality Index for Bank Handlowy w Warszawie SA (2004–2025)
Year-by-year earnings quality comparison for Bank Handlowy w Warszawie SA.
| Year | Quality Index | Operating CF (PLN) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 0.60x | zł1.05 Billion | zł1.76 Billion | ▼ -79.5% |
| 2024 | 2.91x | zł5.13 Billion | zł1.76 Billion | ▲ +361.3% |
| 2023 | 0.63x | zł1.42 Billion | zł2.26 Billion | ▲ +119.4% |
| 2022 | -3.26x | zł-5.04 Billion | zł1.55 Billion | ▼ -204.0% |
| 2021 | 3.13x | zł2.25 Billion | zł717.47 Million | ▼ -35.5% |
| 2020 | 4.86x | zł837.00 Million | zł172.40 Million | ▲ +175.1% |
| 2019 | -6.47x | zł-3.10 Billion | zł480.12 Million | ▼ -154.1% |
| 2018 | 11.96x | zł7.64 Billion | zł638.85 Million | ▲ +928.9% |
| 2017 | 1.16x | zł622.53 Million | zł535.57 Million | ▲ +173.5% |
| 2016 | -1.58x | zł-951.21 Million | zł601.58 Million | ▼ -155.7% |
| 2015 | 2.84x | zł1.78 Billion | zł626.42 Million | ▲ +71.1% |
| 2014 | 1.66x | zł1.57 Billion | zł947.31 Million | ▲ +348.5% |
| 2013 | 0.37x | zł360.12 Million | zł972.71 Million | ▼ -68.1% |
| 2012 | 1.16x | zł1.13 Billion | zł970.13 Million | ▲ +159.2% |
| 2011 | -1.96x | zł-1.44 Billion | zł736.41 Million | ▼ -2570.0% |
| 2010 | -0.07x | zł-55.37 Million | zł754.81 Million | ▼ -104.1% |
| 2009 | 1.81x | zł913.23 Million | zł504.40 Million | ▲ +265.6% |
| 2008 | 0.50x | zł297.35 Million | zł600.43 Million | ▼ -84.5% |
| 2007 | 3.20x | zł2.64 Billion | zł824.22 Million | ▲ +277.5% |
| 2006 | 0.85x | zł557.18 Million | zł657.06 Million | ▼ -76.0% |
| 2005 | 3.54x | zł2.19 Billion | zł618.10 Million | ▲ +766.8% |
| 2004 | 0.41x | zł202.03 Million | zł494.96 Million | — |