Bank of Montreal (BMO) — Cash Flow-to-Debt Ratio
Bank of Montreal (BMO) has a Cash Flow-to-Debt Ratio of 0.00x as of January 2026, meaning its operating cash flow of CA$-1.34 Billion could theoretically repay 0% of its total liabilities (CA$1.37 Trillion) in one year. See Bank of Montreal financial 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 Montreal Cash Flow-to-Debt Ratio (1994–2025)
Historical debt coverage capacity for Bank of Montreal across 36 annual periods. For the full cash flow conversion analysis, see Bank of Montreal (BMO) cash conversion ratio.
Annual Cash Flow-to-Debt Ratio for Bank of Montreal (1994–2025)
Year-by-year debt coverage analysis for Bank of Montreal. Check Bank of Montreal (BMO) cash earnings ratio to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (CAD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.01x | CA$10.24 Billion | CA$1.39 Trillion | ▼ -66.3% |
| 2024 | 0.02x | CA$29.03 Billion | CA$1.33 Trillion | ▲ +177.8% |
| 2023 | 0.01x | CA$9.59 Billion | CA$1.22 Trillion | ▲ +69.9% |
| 2022 | 0.00x | CA$4.96 Billion | CA$1.07 Trillion | ▼ -67.8% |
| 2021 | 0.01x | CA$13.42 Billion | CA$930.65 Billion | ▼ -74.7% |
| 2020 | 0.06x | CA$50.84 Billion | CA$892.67 Billion | ▲ +55.7% |
| 2019 | 0.04x | CA$29.30 Billion | CA$801.12 Billion | ▲ +264.2% |
| 2018 | -0.02x | CA$-16.23 Billion | CA$728.32 Billion | ▼ -432.2% |
| 2017 | 0.00x | CA$-4.32 Billion | CA$1.03 Trillion | ▼ -195.8% |
| 2017 | 0.00x | CA$2.91 Billion | CA$665.23 Billion | ▲ +62.2% |
| 2016 | 0.00x | CA$2.56 Billion | CA$951.16 Billion | ▼ -72.7% |
| 2016 | 0.01x | CA$6.37 Billion | CA$645.61 Billion | ▼ -54.2% |
| 2015 | 0.02x | CA$24.13 Billion | CA$1.12 Trillion | ▲ +476.3% |
| 2015 | 0.00x | CA$2.25 Billion | CA$601.97 Billion | ▼ -70.9% |
| 2014 | 0.01x | CA$16.14 Billion | CA$1.26 Trillion | ▲ +155.8% |
| 2014 | -0.02x | CA$-12.74 Billion | CA$553.25 Billion | ▼ -201.9% |
| 2013 | 0.02x | CA$11.43 Billion | CA$505.82 Billion | ▲ +9.1% |
| 2012 | 0.02x | CA$10.26 Billion | CA$495.36 Billion | ▲ +1526.6% |
| 2011 | 0.00x | CA$572.00 Million | CA$449.30 Billion | ▲ +107.5% |
| 2010 | -0.02x | CA$-6.58 Billion | CA$389.76 Billion | ▼ -148.6% |
| 2009 | 0.03x | CA$12.79 Billion | CA$368.26 Billion | ▲ +224.4% |
| 2008 | 0.01x | CA$4.25 Billion | CA$396.50 Billion | ▲ +127.0% |
| 2007 | -0.04x | CA$-13.94 Billion | CA$351.23 Billion | ▼ -2065.0% |
| 2006 | 0.00x | CA$616.00 Million | CA$304.92 Billion | ▲ +107.8% |
| 2005 | -0.03x | CA$-7.25 Billion | CA$281.84 Billion | ▼ -360.0% |
| 2004 | 0.01x | CA$2.49 Billion | CA$252.00 Billion | ▲ +126.0% |
| 2003 | -0.04x | CA$-9.27 Billion | CA$244.01 Billion | ▼ -123.5% |
| 2002 | -0.02x | CA$-4.10 Billion | CA$240.97 Billion | ▼ -136.5% |
| 2001 | 0.05x | CA$10.65 Billion | CA$228.73 Billion | ▲ +443.2% |
| 2000 | -0.01x | CA$-2.99 Billion | CA$220.70 Billion | ▼ -168.6% |
| 1999 | 0.02x | CA$4.34 Billion | CA$219.24 Billion | ▲ +42.0% |
| 1998 | 0.01x | CA$2.95 Billion | CA$211.47 Billion | ▲ +259.6% |
| 1997 | -0.01x | CA$-1.74 Billion | CA$198.93 Billion | ▲ +70.5% |
| 1996 | -0.03x | CA$-4.80 Billion | CA$162.24 Billion | ▼ -520.5% |
| 1995 | 0.00x | CA$-690.94 Million | CA$144.80 Billion | ▼ -598.3% |
| 1994 | 0.00x | CA$126.07 Million | CA$131.64 Billion | — |