Erste Bank Polska S.A. (EBP) — Cash Flow Quality Index
Erste Bank Polska S.A. (EBP) has a Cash Flow Quality Index of -2.68x as of March 2026. Operating cash flow of zł-2.76 Billion is below net income of zł1.03 Billion, suggesting accrual-heavy earnings not yet converted to cash. Explore EBP operating cash flow to total debt to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Erste Bank Polska S.A. Cash Flow Quality Index (2002–2025)
Historical Cash Flow Quality Index for Erste Bank Polska S.A. across 23 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see EBP operating cash flow.
Annual Cash Flow Quality Index for Erste Bank Polska S.A. (2002–2025)
Year-by-year earnings quality comparison for Erste Bank Polska S.A..
| Year | Quality Index | Operating CF (PLN) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 0.76x | zł4.77 Billion | zł6.25 Billion | ▲ +73.3% |
| 2024 | 0.44x | zł3.20 Billion | zł7.27 Billion | ▼ -67.3% |
| 2023 | 1.35x | zł9.25 Billion | zł6.85 Billion | ▼ -32.6% |
| 2022 | 2.00x | zł8.73 Billion | zł4.35 Billion | ▼ -58.7% |
| 2021 | 4.85x | zł9.99 Billion | zł2.06 Billion | ▼ -56.3% |
| 2020 | 11.10x | zł20.87 Billion | zł1.88 Billion | ▲ +904.6% |
| 2019 | 1.10x | zł3.58 Billion | zł3.24 Billion | ▼ -69.5% |
| 2018 | 3.62x | zł12.39 Billion | zł3.42 Billion | ▲ +348.0% |
| 2017 | -1.46x | zł-4.87 Billion | zł3.34 Billion | ▼ -350.2% |
| 2016 | 0.58x | zł1.82 Billion | zł3.12 Billion | ▲ +166.9% |
| 2015 | -0.87x | zł-2.77 Billion | zł3.18 Billion | ▼ -151.0% |
| 2014 | 1.71x | zł4.52 Billion | zł2.64 Billion | ▲ +1811.2% |
| 2013 | 0.09x | zł177.46 Million | zł1.98 Billion | ▲ +110.3% |
| 2012 | -0.87x | zł-1.60 Billion | zł1.84 Billion | ▼ -176.5% |
| 2011 | 1.14x | zł1.76 Billion | zł1.54 Billion | ▲ +11.6% |
| 2010 | 1.02x | zł1.39 Billion | zł1.36 Billion | ▲ +463.4% |
| 2009 | 0.18x | zł210.78 Million | zł1.16 Billion | ▼ -95.6% |
| 2008 | 4.12x | zł3.93 Billion | zł954.29 Million | ▲ +111.1% |
| 2007 | 1.95x | zł2.71 Billion | zł1.39 Billion | ▲ +5.1% |
| 2006 | 1.86x | zł1.98 Billion | zł1.07 Billion | ▲ +85.7% |
| 2005 | 1.00x | zł545.91 Million | zł545.91 Million | ▲ +160.0% |
| 2004 | -1.67x | zł-741.00 Million | zł444.45 Million | ▼ -266.7% |
| 2002 | 1.00x | zł272.69 Million | zł272.69 Million | — |