Zions Bancorporation Financial Flexibility Index
Zions Bancorporation financial flexibility index. Zions Bancorporation (ZION) has a Financial Flexibility Index of 0.01x as of September 2025. Free cash flow of $463.00 Million (operating CF $438.00 Million minus capex $25.00 Million) represents 0% of total liabilities ($81.67 Billion). See free cash flow generation of Zions Bancorporation to measure how efficiently the company converts operating cash flow to free cash.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of Zions Bancorporation (1988–2024)
Financial flexibility index of Zions Bancorporation from 1988 to 2024. Historical Financial Flexibility Index trend for Zions Bancorporation across 37 annual periods. Check how high is Zions Bancorporation's earnings quality to evaluate the quality of earnings relative to operating cash generation.
Zions Bancorporation Financial Flexibility Index by Year (1988–2024)
Zions Bancorporation financial flexibility index by year from 1988 to 2024. Year-by-year free cash flow to debt coverage for Zions Bancorporation. For the full cash flow conversion analysis, see Zions Bancorporation (ZION) cash conversion ratio.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2024 | 0.02x | $1.25 Billion | $1.15 Billion | $82.65 Billion | ▲ +23.0% |
| 2023 | 0.01x | $998.00 Million | $885.00 Million | $81.51 Billion | ▼ -37.6% |
| 2022 | 0.02x | $1.66 Billion | $1.47 Billion | $84.65 Billion | ▼ -97.6% |
| 2021 | 0.83x | $835.00 Million | $629.00 Million | $1.01 Billion | ▲ +23.9% |
| 2020 | 0.67x | $890.00 Million | $719.00 Million | $1.34 Billion | ▲ +4959.2% |
| 2019 | 0.01x | $814.00 Million | $697.00 Million | $61.82 Billion | ▼ -38.3% |
| 2018 | 0.02x | $1.30 Billion | $1.18 Billion | $61.17 Billion | ▲ +14.0% |
| 2017 | 0.02x | $1.10 Billion | $928.00 Million | $58.61 Billion | ▲ +31.4% |
| 2016 | 0.01x | $792.07 Million | $596.07 Million | $55.60 Billion | ▲ +19.6% |
| 2015 | 0.01x | $621.00 Million | $464.00 Million | $52.16 Billion | ▲ +6.7% |
| 2014 | 0.01x | $556.14 Million | $380.34 Million | $49.83 Billion | ▼ -40.1% |
| 2013 | 0.02x | $923.69 Million | $835.11 Million | $49.57 Billion | ▲ +14.5% |
| 2012 | 0.02x | $805.09 Million | $736.20 Million | $49.46 Billion | ▼ -34.5% |
| 2011 | 0.02x | $1.15 Billion | $1.07 Billion | $46.17 Billion | ▼ -28.4% |
| 2010 | 0.03x | $1.54 Billion | $1.46 Billion | $44.39 Billion | ▲ +36.4% |
| 2009 | 0.03x | $1.16 Billion | $1.06 Billion | $45.41 Billion | ▼ -3.2% |
| 2008 | 0.03x | $1.28 Billion | $1.17 Billion | $48.56 Billion | ▲ +49.7% |
| 2007 | 0.02x | $836.12 Million | $732.90 Million | $47.62 Billion | ▼ -37.0% |
| 2006 | 0.03x | $1.17 Billion | $1.05 Billion | $41.94 Billion | ▲ +30.6% |
| 2005 | 0.02x | $822.19 Million | $754.19 Million | $38.51 Billion | ▼ -16.7% |
| 2004 | 0.03x | $734.66 Million | $662.37 Million | $28.66 Billion | ▲ +27.3% |
| 2003 | 0.02x | $523.46 Million | $440.19 Million | $26.00 Billion | ▲ +30.2% |
| 2002 | 0.02x | $373.89 Million | $276.06 Million | $24.17 Billion | ▼ -63.6% |
| 2001 | 0.04x | $935.30 Million | $843.38 Million | $22.01 Billion | ▲ +98.2% |
| 2000 | 0.02x | $431.48 Million | $349.19 Million | $20.12 Billion | ▲ +318.6% |
| 1999 | 0.01x | $95.20 Million | $1.40 Million | $18.58 Billion | ▲ +32.8% |
| 1998 | 0.00x | $63.90 Million | $-11.60 Million | $16.56 Billion | ▼ -45.8% |
| 1997 | 0.01x | $72.10 Million | $30.10 Million | $10.13 Billion | ▼ -72.1% |
| 1996 | 0.03x | $167.60 Million | $134.80 Million | $6.56 Billion | ▼ -41.9% |
| 1995 | 0.04x | $228.20 Million | $210.20 Million | $5.19 Billion | ▲ +599.5% |
| 1994 | -0.01x | $-40.20 Million | $-52.60 Million | $4.57 Billion | ▼ -126.3% |
| 1993 | 0.03x | $136.20 Million | $122.50 Million | $4.08 Billion | ▲ +1061.0% |
| 1992 | 0.00x | $-12.30 Million | $-22.00 Million | $3.54 Billion | ▼ -123.2% |
| 1991 | 0.02x | $51.60 Million | $46.30 Million | $3.44 Billion | ▼ -41.0% |
| 1990 | 0.03x | $85.80 Million | $79.40 Million | $3.38 Billion | ▲ +21.9% |
| 1989 | 0.02x | $58.60 Million | $53.60 Million | $2.81 Billion | ▲ +22.4% |
| 1988 | 0.02x | $44.90 Million | $40.70 Million | $2.64 Billion | — |