mBank SA Cash Flow Quality Index
mBank SA cash flow quality index. 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. See mBank SA (MBK) flexibility index to measure the company's free cash flow as a share of total liabilities.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of mBank SA (2003–2025)
Cash flow quality index of mBank SA from 2003 to 2025. Historical Cash Flow Quality Index for mBank SA across 20 annual periods. Values consistently above 1.0x indicate high-quality earnings. Explore mBank SA cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
mBank SA Cash Flow Quality Index by Year (2003–2025)
mBank SA cash flow quality index by year from 2003 to 2025. Year-by-year earnings quality comparison for mBank SA. For the full cash flow conversion analysis, see MBK operating cash flow.
| 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 | — |