Bank of America Corp (BAC) — Cash Flow-to-Debt Ratio
Bank of America Corp (BAC) has a Cash Flow-to-Debt Ratio of 0.01x as of March 2026, meaning its operating cash flow of $41.77 Billion could theoretically repay 0% of its total liabilities ($3.20 Trillion) in one year. See Bank of America Corp (BAC) flexibility index 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
Bank of America Corp Cash Flow-to-Debt Ratio (1992–2025)
Historical debt coverage capacity for Bank of America Corp across 34 annual periods. For the full cash flow conversion analysis, see BAC cash flow metrics.
Annual Cash Flow-to-Debt Ratio for Bank of America Corp (1992–2025)
Year-by-year debt coverage analysis for Bank of America Corp. Check Bank of America Corp cash earnings quality 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 | $12.61 Billion | $3.11 Trillion | ▲ +236.7% |
| 2024 | 0.00x | $-8.80 Billion | $2.97 Trillion | ▼ -119.1% |
| 2023 | 0.02x | $44.98 Billion | $2.89 Trillion | ▲ +783.6% |
| 2022 | 0.00x | $-6.33 Billion | $2.78 Trillion | ▲ +8.2% |
| 2021 | 0.00x | $-7.19 Billion | $2.90 Trillion | ▼ -116.6% |
| 2020 | 0.01x | $37.99 Billion | $2.55 Trillion | ▼ -47.6% |
| 2019 | 0.03x | $61.78 Billion | $2.17 Trillion | ▲ +50.5% |
| 2018 | 0.02x | $39.52 Billion | $2.09 Trillion | ▲ +286.2% |
| 2017 | 0.00x | $9.86 Billion | $2.01 Trillion | ▼ -45.5% |
| 2016 | 0.01x | $17.28 Billion | $1.92 Trillion | ▼ -40.2% |
| 2015 | 0.02x | $28.40 Billion | $1.89 Trillion | ▼ -9.1% |
| 2014 | 0.02x | $30.80 Billion | $1.86 Trillion | ▼ -66.7% |
| 2013 | 0.05x | $92.82 Billion | $1.87 Trillion | ▲ +710.1% |
| 2012 | -0.01x | $-16.06 Billion | $1.97 Trillion | ▼ -124.0% |
| 2011 | 0.03x | $64.49 Billion | $1.90 Trillion | ▼ -16.3% |
| 2010 | 0.04x | $82.59 Billion | $2.04 Trillion | ▼ -37.5% |
| 2009 | 0.06x | $129.73 Billion | $2.00 Trillion | ▲ +2540.1% |
| 2008 | 0.00x | $4.03 Billion | $1.64 Trillion | ▼ -65.0% |
| 2007 | 0.01x | $11.04 Billion | $1.57 Trillion | ▼ -35.8% |
| 2006 | 0.01x | $14.51 Billion | $1.32 Trillion | ▲ +206.7% |
| 2005 | -0.01x | $-12.22 Billion | $1.19 Trillion | ▼ -194.7% |
| 2004 | 0.00x | $-3.52 Billion | $1.01 Trillion | ▼ -109.9% |
| 2003 | 0.04x | $24.31 Billion | $688.47 Billion | ▲ +277.8% |
| 2002 | -0.02x | $-12.01 Billion | $604.60 Billion | ▲ +11.2% |
| 2001 | -0.02x | $-12.83 Billion | $573.24 Billion | ▼ -350.6% |
| 2000 | 0.01x | $5.26 Billion | $589.61 Billion | ▼ -56.5% |
| 1999 | 0.02x | $12.06 Billion | $588.14 Billion | ▼ -13.2% |
| 1998 | 0.02x | $13.52 Billion | $571.74 Billion | ▲ +773.3% |
| 1997 | 0.00x | $1.43 Billion | $526.40 Billion | ▼ -88.0% |
| 1996 | 0.02x | $3.88 Billion | $172.09 Billion | ▲ +179.8% |
| 1995 | -0.03x | $-4.93 Billion | $174.50 Billion | ▼ -149.2% |
| 1994 | 0.06x | $9.12 Billion | $158.59 Billion | ▲ +297.4% |
| 1993 | 0.01x | $2.14 Billion | $147.71 Billion | ▼ -79.6% |
| 1992 | 0.07x | $7.80 Billion | $110.25 Billion | — |