Cullen/Frost Bankers Inc (CFR) — Cash Flow-to-Debt Ratio
Cullen/Frost Bankers Inc (CFR) has a Cash Flow-to-Debt Ratio of 0.01x as of September 2025, meaning its operating cash flow of $248.58 Million could theoretically repay 0% of its total liabilities ($48.07 Billion) in one year. See free cash flow generation of Cullen/Frost Bankers Inc to measure how efficiently the company converts operating cash flow to free cash.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Cullen/Frost Bankers Inc Cash Flow-to-Debt Ratio (1989–2024)
Historical debt coverage capacity for Cullen/Frost Bankers Inc across 36 annual periods. Also explore CFR shareholders equity momentum to track the company's year-over-year net asset growth rate.
Annual Cash Flow-to-Debt Ratio for Cullen/Frost Bankers Inc (1989–2024)
Year-by-year debt coverage analysis for Cullen/Frost Bankers Inc. For market capitalisation and broader financial context, see Cullen/Frost Bankers Inc market cap and net worth.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2024 | 0.02x | $989.53 Million | $48.62 Billion | ▲ +100.3% |
| 2023 | 0.01x | $478.85 Million | $47.13 Billion | ▼ -30.0% |
| 2022 | 0.01x | $722.58 Million | $49.76 Billion | ▼ -0.4% |
| 2021 | 0.01x | $648.29 Million | $44.46 Billion | ▲ +2.0% |
| 2020 | 0.01x | $524.24 Million | $36.67 Billion | ▼ -33.7% |
| 2019 | 0.02x | $634.09 Million | $29.40 Billion | ▲ +10.9% |
| 2018 | 0.02x | $562.39 Million | $28.92 Billion | ▲ +2.8% |
| 2017 | 0.02x | $538.08 Million | $28.45 Billion | ▲ +17.5% |
| 2016 | 0.02x | $437.84 Million | $27.19 Billion | ▲ +4.7% |
| 2015 | 0.02x | $394.86 Million | $25.68 Billion | ▲ +34.9% |
| 2014 | 0.01x | $289.85 Million | $25.43 Billion | ▲ +43.1% |
| 2013 | 0.01x | $173.61 Million | $21.80 Billion | ▼ -45.0% |
| 2012 | 0.01x | $300.00 Million | $20.71 Billion | ▼ -4.8% |
| 2011 | 0.02x | $274.37 Million | $18.03 Billion | ▼ -44.3% |
| 2010 | 0.03x | $424.53 Million | $15.56 Billion | ▲ +43.4% |
| 2009 | 0.02x | $273.93 Million | $14.39 Billion | ▲ +7.8% |
| 2008 | 0.02x | $234.37 Million | $13.27 Billion | ▲ +5.4% |
| 2007 | 0.02x | $201.28 Million | $12.01 Billion | ▲ +473.7% |
| 2006 | 0.00x | $-53.13 Million | $11.85 Billion | ▼ -136.4% |
| 2005 | 0.01x | $132.44 Million | $10.76 Billion | ▼ -12.7% |
| 2004 | 0.01x | $128.78 Million | $9.13 Billion | ▼ -38.0% |
| 2003 | 0.02x | $202.36 Million | $8.90 Billion | ▼ -26.2% |
| 2002 | 0.03x | $272.20 Million | $8.83 Billion | ▲ +161.8% |
| 2001 | 0.01x | $91.52 Million | $7.77 Billion | ▼ -35.9% |
| 2000 | 0.02x | $130.20 Million | $7.09 Billion | ▼ -12.8% |
| 1999 | 0.02x | $136.60 Million | $6.49 Billion | ▲ +16.1% |
| 1998 | 0.02x | $115.30 Million | $6.36 Billion | ▲ +110.1% |
| 1997 | 0.01x | $48.20 Million | $5.58 Billion | ▼ -49.2% |
| 1996 | 0.02x | $76.60 Million | $4.51 Billion | ▼ -23.7% |
| 1995 | 0.02x | $85.90 Million | $3.86 Billion | ▲ +65.3% |
| 1994 | 0.01x | $47.10 Million | $3.50 Billion | ▲ +5.4% |
| 1993 | 0.01x | $43.00 Million | $3.37 Billion | ▼ -31.5% |
| 1992 | 0.02x | $54.90 Million | $2.94 Billion | ▲ +66.5% |
| 1991 | 0.01x | $32.50 Million | $2.90 Billion | ▼ -24.0% |
| 1990 | 0.01x | $45.40 Million | $3.08 Billion | ▲ +1914.9% |
| 1989 | 0.00x | $-2.70 Million | $3.33 Billion | — |