Bank of Montreal (BMO) — Financial Flexibility Index

Latest as of January 2026: 0.00x

Bank of Montreal (BMO) has a Financial Flexibility Index of 0.00x as of January 2026. Free cash flow of CA$-954.00 Million (operating CF CA$-1.34 Billion minus capex CA$384.00 Million) represents 0% of total liabilities (CA$1.37 Trillion). Check Bank of Montreal investment reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.

Financial Flexibility Index

0.00x
Free Cash Flow / Total Liabilities

Free Cash Flow

CA$-954.00 Million
Operating CF − Capex

Total Liabilities

CA$1.37 Trillion
CAD

Capital Expenditures

CA$384.00 Million
CAD

Bank of Montreal Financial Flexibility Index (1994–2025)

Historical Financial Flexibility Index trend for Bank of Montreal across 36 annual periods. For the full cash flow conversion analysis, see Bank of Montreal operating cash flow efficiency.

Annual Financial Flexibility Index for Bank of Montreal (1994–2025)

Year-by-year free cash flow to debt coverage for Bank of Montreal. Explore debt repayment capacity of Bank of Montreal to assess how comfortably operating cash covers total debt obligations.

Year Flexibility Index Free Cash Flow (CAD) Operating CF Total Liabilities YoY Change
2025 0.01x CA$11.97 Billion CA$10.24 Billion CA$1.39 Trillion ▼ -62.7%
2024 0.02x CA$30.59 Billion CA$29.03 Billion CA$1.33 Trillion ▲ +149.2%
2023 0.01x CA$11.27 Billion CA$9.59 Billion CA$1.22 Trillion ▲ +54.5%
2022 0.01x CA$6.41 Billion CA$4.96 Billion CA$1.07 Trillion ▼ -61.3%
2021 0.02x CA$14.41 Billion CA$13.42 Billion CA$930.65 Billion ▼ -73.4%
2020 0.06x CA$51.87 Billion CA$50.84 Billion CA$892.67 Billion ▲ +53.0%
2019 0.04x CA$30.43 Billion CA$29.30 Billion CA$801.12 Billion ▲ +280.4%
2018 -0.02x CA$-15.34 Billion CA$-16.23 Billion CA$728.32 Billion ▼ -3596.0%
2017 0.00x CA$622.00 Million CA$-4.32 Billion CA$1.03 Trillion ▼ -89.2%
2017 0.01x CA$3.70 Billion CA$2.91 Billion CA$665.23 Billion ▼ -26.6%
2016 0.01x CA$7.21 Billion CA$2.56 Billion CA$951.16 Billion ▼ -30.0%
2016 0.01x CA$6.99 Billion CA$6.37 Billion CA$645.61 Billion ▼ -58.4%
2015 0.03x CA$29.17 Billion CA$24.13 Billion CA$1.12 Trillion ▲ +465.0%
2015 0.00x CA$2.77 Billion CA$2.25 Billion CA$601.97 Billion ▼ -73.1%
2014 0.02x CA$21.51 Billion CA$16.14 Billion CA$1.26 Trillion ▲ +178.9%
2014 -0.02x CA$-12.00 Billion CA$-12.74 Billion CA$553.25 Billion ▼ -190.9%
2013 0.02x CA$12.07 Billion CA$11.43 Billion CA$505.82 Billion ▲ +8.1%
2012 0.02x CA$10.94 Billion CA$10.26 Billion CA$495.36 Billion ▲ +718.5%
2011 0.00x CA$1.21 Billion CA$572.00 Million CA$449.30 Billion ▲ +117.2%
2010 -0.02x CA$-6.10 Billion CA$-6.58 Billion CA$389.76 Billion ▼ -144.4%
2009 0.04x CA$13.00 Billion CA$12.79 Billion CA$368.26 Billion ▲ +199.3%
2008 0.01x CA$4.68 Billion CA$4.25 Billion CA$396.50 Billion ▲ +130.6%
2007 -0.04x CA$-13.52 Billion CA$-13.94 Billion CA$351.23 Billion ▼ -1079.1%
2006 0.00x CA$1.20 Billion CA$616.00 Million CA$304.92 Billion ▲ +116.3%
2005 -0.02x CA$-6.78 Billion CA$-7.25 Billion CA$281.84 Billion ▼ -316.6%
2004 0.01x CA$2.80 Billion CA$2.49 Billion CA$252.00 Billion ▲ +130.1%
2003 -0.04x CA$-9.02 Billion CA$-9.27 Billion CA$244.01 Billion ▼ -139.9%
2002 -0.02x CA$-3.71 Billion CA$-4.10 Billion CA$240.97 Billion ▼ -131.9%
2001 0.05x CA$11.05 Billion CA$10.65 Billion CA$228.73 Billion ▲ +502.5%
2000 -0.01x CA$-2.65 Billion CA$-2.99 Billion CA$220.70 Billion ▼ -156.4%
1999 0.02x CA$4.66 Billion CA$4.34 Billion CA$219.24 Billion ▲ +27.9%
1998 0.02x CA$3.52 Billion CA$2.95 Billion CA$211.47 Billion ▲ +376.4%
1997 -0.01x CA$-1.20 Billion CA$-1.74 Billion CA$198.93 Billion ▲ +77.8%
1996 -0.03x CA$-4.39 Billion CA$-4.80 Billion CA$162.24 Billion ▼ -1017.2%
1995 0.00x CA$-350.96 Million CA$-690.94 Million CA$144.80 Billion ▼ -185.7%
1994 0.00x CA$372.11 Million CA$126.07 Million CA$131.64 Billion —
Financial Flexibility Index = (Operating CF − Capex) / Total Liabilities = Free Cash Flow / Total Liabilities