VP Bank AG (VPBN) — Cash Flow-to-Debt Ratio
VP Bank AG (VPBN) has a Cash Flow-to-Debt Ratio of -0.12x as of December 2025, meaning its operating cash flow of CHF-1.16 Billion could theoretically repay 0% of its total liabilities (CHF9.50 Billion) in one year. See financial agility of VP Bank AG 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
VP Bank AG Cash Flow-to-Debt Ratio (2004–2025)
Historical debt coverage capacity for VP Bank AG across 22 annual periods. For the full cash flow conversion analysis, see VPBN cash flow conversion.
Annual Cash Flow-to-Debt Ratio for VP Bank AG (2004–2025)
Year-by-year debt coverage analysis for VP Bank AG. Check how high is VP Bank AG's earnings quality to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (CHF) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.00x | CHF-22.61 Million | CHF9.50 Billion | ▲ +97.7% |
| 2024 | -0.11x | CHF-1.00 Billion | CHF9.52 Billion | ▼ -194.4% |
| 2023 | -0.04x | CHF-369.78 Million | CHF10.34 Billion | ▼ -378.8% |
| 2022 | 0.01x | CHF147.84 Million | CHF11.53 Billion | ▲ +104.6% |
| 2021 | -0.28x | CHF-86.43 Million | CHF309.13 Million | ▲ +50.7% |
| 2020 | -0.57x | CHF-244.53 Million | CHF431.35 Million | ▼ -195.1% |
| 2019 | 0.60x | CHF317.56 Million | CHF532.82 Million | ▲ +1078.8% |
| 2018 | -0.06x | CHF-696.99 Million | CHF11.45 Billion | ▼ -222.4% |
| 2017 | 0.05x | CHF586.45 Million | CHF11.78 Billion | ▼ -35.1% |
| 2016 | 0.08x | CHF832.59 Million | CHF10.86 Billion | ▲ +15.3% |
| 2015 | 0.07x | CHF761.16 Million | CHF11.44 Billion | ▲ +4.0% |
| 2014 | 0.06x | CHF660.80 Million | CHF10.34 Billion | ▼ -7.1% |
| 2013 | 0.07x | CHF710.20 Million | CHF10.32 Billion | ▼ -13.0% |
| 2012 | 0.08x | CHF771.72 Million | CHF9.75 Billion | ▲ +767.7% |
| 2011 | -0.01x | CHF-116.66 Million | CHF9.84 Billion | ▲ +83.3% |
| 2010 | -0.07x | CHF-685.89 Million | CHF9.68 Billion | ▼ -160.3% |
| 2009 | 0.12x | CHF1.26 Billion | CHF10.70 Billion | ▲ +1083.6% |
| 2008 | -0.01x | CHF-126.17 Million | CHF10.57 Billion | ▲ +99.9% |
| 2007 | -12.19x | CHF-325.80 Million | CHF26.73 Million | ▼ -4502.6% |
| 2006 | 0.28x | CHF72.46 Million | CHF261.76 Million | ▼ -95.7% |
| 2005 | 6.42x | CHF123.09 Million | CHF19.17 Million | ▲ +1396.2% |
| 2004 | 0.43x | CHF57.10 Million | CHF133.08 Million | — |