Financial Institutions Inc (FISI) — Cash Flow-to-Debt Ratio
Financial Institutions Inc (FISI) has a Cash Flow-to-Debt Ratio of 0.00x as of December 2025, meaning its operating cash flow of $21.40 Million could theoretically repay 0% of its total liabilities ($4.50 Billion) in one year. See FISI financial flexibility score to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Financial Institutions Inc Cash Flow-to-Debt Ratio (1998–2025)
Historical debt coverage capacity for Financial Institutions Inc across 28 annual periods. For the full cash flow conversion analysis, see Financial Institutions Inc cash flow conversion.
Annual Cash Flow-to-Debt Ratio for Financial Institutions Inc (1998–2025)
Year-by-year debt coverage analysis for Financial Institutions Inc. Check Financial Institutions Inc earnings quality ratio to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.00x | $18.80 Million | $5.65 Billion | ▼ -76.0% |
| 2024 | 0.01x | $77.13 Million | $5.55 Billion | ▲ +628.1% |
| 2023 | 0.00x | $10.89 Million | $5.71 Billion | ▼ -92.3% |
| 2022 | 0.02x | $133.57 Million | $5.39 Billion | ▲ +70.3% |
| 2021 | 0.01x | $72.96 Million | $5.02 Billion | ▲ +48.8% |
| 2020 | 0.01x | $43.45 Million | $4.44 Billion | ▼ -33.2% |
| 2019 | 0.01x | $57.71 Million | $3.95 Billion | ▼ -12.1% |
| 2018 | 0.02x | $65.14 Million | $3.92 Billion | ▲ +33.9% |
| 2017 | 0.01x | $46.28 Million | $3.72 Billion | ▼ -9.8% |
| 2016 | 0.01x | $46.69 Million | $3.39 Billion | ▼ -1.3% |
| 2015 | 0.01x | $43.09 Million | $3.09 Billion | ▲ +11.3% |
| 2014 | 0.01x | $35.23 Million | $2.81 Billion | ▼ -9.9% |
| 2013 | 0.01x | $37.20 Million | $2.67 Billion | ▼ -9.8% |
| 2012 | 0.02x | $38.70 Million | $2.51 Billion | ▲ +1.1% |
| 2011 | 0.02x | $32.02 Million | $2.10 Billion | ▼ -13.8% |
| 2010 | 0.02x | $35.43 Million | $2.00 Billion | ▲ +48.1% |
| 2009 | 0.01x | $22.27 Million | $1.86 Billion | ▼ -3.1% |
| 2008 | 0.01x | $21.29 Million | $1.73 Billion | ▼ -10.0% |
| 2007 | 0.01x | $22.77 Million | $1.66 Billion | ▼ -21.8% |
| 2006 | 0.02x | $30.20 Million | $1.73 Billion | ▼ -27.3% |
| 2005 | 0.02x | $44.57 Million | $1.85 Billion | ▲ +15.2% |
| 2004 | 0.02x | $41.23 Million | $1.97 Billion | ▲ +7.6% |
| 2003 | 0.02x | $38.68 Million | $1.99 Billion | ▲ +15.0% |
| 2002 | 0.02x | $32.56 Million | $1.93 Billion | ▼ -1.0% |
| 2001 | 0.02x | $28.09 Million | $1.65 Billion | ▼ -9.3% |
| 2000 | 0.02x | $21.79 Million | $1.16 Billion | ▼ -0.2% |
| 1999 | 0.02x | $19.20 Million | $1.02 Billion | ▼ -10.9% |
| 1998 | 0.02x | $18.60 Million | $879.59 Million | — |