mBank SA (MBK) — Cash Flow Quality Index
Latest as of June 2026:
-5.68x
mBank SA (MBK) has a Cash Flow Quality Index of -5.68x as of June 2026. Operating cash flow of zł-6.02 Billion is below net income of zł1.06 Billion, suggesting accrual-heavy earnings not yet converted to cash. Explore mBank SA cash debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
-5.68x
Operating CF / Net Income
Operating Cash Flow
zł-6.02 Billion
PLN
Net Income
zł1.06 Billion
PLN
Data as of
Jun 2026
Most recent filing
mBank SA Cash Flow Quality Index (2003–2025)
Historical Cash Flow Quality Index for mBank SA across 20 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see MBK cash generation efficiency.
Annual Cash Flow Quality Index for mBank SA (2003–2025)
Year-by-year earnings quality comparison for mBank SA.
| Year | Quality Index | Operating CF (PLN) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 0.77x | zł2.73 Billion | zł3.54 Billion | ▲ +249.1% |
| 2024 | -0.52x | zł-1.53 Billion | zł2.97 Billion | ▼ -102.6% |
| 2023 | 20.09x | zł19.50 Billion | zł970.59 Million | ▲ +822.4% |
| 2020 | 2.18x | zł1.33 Billion | zł609.73 Million | ▲ +546.8% |
| 2019 | -0.49x | zł-723.62 Million | zł1.48 Billion | ▼ -176.9% |
| 2018 | 0.63x | zł1.13 Billion | zł1.79 Billion | ▲ +133.9% |
| 2017 | -1.87x | zł-2.86 Billion | zł1.53 Billion | ▼ -136.6% |
| 2016 | 5.10x | zł8.36 Billion | zł1.64 Billion | ▲ +18.1% |
| 2015 | 4.32x | zł6.99 Billion | zł1.62 Billion | ▲ +1381.7% |
| 2014 | 0.29x | zł481.92 Million | zł1.65 Billion | ▲ +150.8% |
| 2013 | -0.57x | zł-871.52 Million | zł1.52 Billion | ▼ -123.7% |
| 2012 | 2.42x | zł3.55 Billion | zł1.46 Billion | ▲ +123.0% |
| 2011 | 1.09x | zł1.59 Billion | zł1.47 Billion | ▲ +157.8% |
| 2010 | -1.88x | zł-1.64 Billion | zł872.51 Million | ▲ +41.3% |
| 2009 | -3.20x | zł-670.75 Million | zł209.39 Million | ▲ +59.5% |
| 2008 | -7.91x | zł-7.91 Billion | zł1.00 Billion | ▼ -14.3% |
| 2007 | -6.92x | zł-5.46 Billion | zł788.43 Million | ▼ -45.1% |
| 2006 | -4.77x | zł-1.94 Billion | zł406.37 Million | ▲ +25.5% |
| 2005 | -6.40x | zł-2.16 Billion | zł337.96 Million | ▼ -102.3% |
| 2003 | 280.05x | zł2.44 Billion | zł8.71 Million | — |
Cash Flow Quality Index = Operating Cash Flow / Net Income. Ratios above 1.0x indicate cash-backed earnings.