PBS Finanse SA (PBF) — Cash Flow Quality Index
Latest as of December 2025:
-2.49x
PBS Finanse SA (PBF) has a Cash Flow Quality Index of -2.49x as of December 2025. Operating cash flow of zł-644.00K is below net income of zł259.00K, suggesting accrual-heavy earnings not yet converted to cash. Explore how well can PBS Finanse SA service its debt to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
-2.49x
Operating CF / Net Income
Operating Cash Flow
zł-644.00K
PLN
Net Income
zł259.00K
PLN
Data as of
Dec 2025
Most recent filing
PBS Finanse SA Cash Flow Quality Index (2014–2025)
Historical Cash Flow Quality Index for PBS Finanse SA across 4 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see PBF cash flow conversion.
Annual Cash Flow Quality Index for PBS Finanse SA (2014–2025)
Year-by-year earnings quality comparison for PBS Finanse SA.
| Year | Quality Index | Operating CF (PLN) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | -7.72x | zł-849.00K | zł110.00K | ▼ -23.2% |
| 2023 | -6.27x | zł-1.74 Million | zł278.00K | ▼ -274.3% |
| 2015 | -1.67x | zł-827.00K | zł494.00K | ▼ -175.4% |
| 2014 | -0.61x | zł-670.00K | zł1.10 Million | — |
Cash Flow Quality Index = Operating Cash Flow / Net Income. Ratios above 1.0x indicate cash-backed earnings.