mBank SA (MBK) — Cash Flow Quality Index
mBank SA (MBK) has a Cash Flow Quality Index of -17.30x as of March 2026. Operating cash flow of zł-16.49 Billion is below net income of zł953.00 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore MBK cash flow conversion to assess how effectively this company generates cash.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
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. Check MBK total capital reinvestment ratio to assess the company's total reinvestment commitment from operating cash flow.
Annual Cash Flow Quality Index for mBank SA (2003–2025)
Year-by-year earnings quality comparison for mBank SA. For live market cap and the full company financial profile, see MBK market cap.
| Year | Quality Index | Operating CF (PLN) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.11x | zł3.94 Billion | zł3.54 Billion | ▲ +676.1% |
| 2024 | 0.14x | zł425.77 Million | zł2.97 Billion | ▼ -100.0% |
| 2023 | 336.21x | zł8.09 Billion | zł24.05 Million | ▲ +7140.6% |
| 2020 | -4.78x | zł-2.74 Billion | zł573.00 Million | ▼ -757.7% |
| 2019 | 0.73x | zł1.13 Billion | zł1.56 Billion | ▲ +15.4% |
| 2018 | 0.63x | zł1.13 Billion | zł1.80 Billion | ▲ +133.7% |
| 2017 | -1.87x | zł-2.86 Billion | zł1.53 Billion | ▼ -136.6% |
| 2016 | 5.10x | zł8.36 Billion | zł1.64 Billion | ▲ +17.2% |
| 2015 | 4.35x | zł7.05 Billion | zł1.62 Billion | ▲ +1393.5% |
| 2014 | 0.29x | zł481.92 Million | zł1.65 Billion | ▲ +150.8% |
| 2013 | -0.57x | zł-871.52 Million | zł1.52 Billion | ▼ -123.8% |
| 2012 | 2.41x | zł3.55 Billion | zł1.47 Billion | ▲ +121.9% |
| 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-670.77 Million | zł209.39 Million | ▲ +64.0% |
| 2008 | -8.90x | zł-7.91 Billion | zł889.34 Million | ▼ -57.2% |
| 2007 | -5.66x | zł-4.46 Billion | zł788.43 Million | ▼ -18.6% |
| 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 | — |