Punjab National Bank (PNB) - Cash Flow Conversion Efficiency

Latest as of September 2025: -0.330x

Based on the latest financial reports, Punjab National Bank (PNB) has a cash flow conversion efficiency ratio of -0.330x as of September 2025. Cash flow conversion efficiency measures how effectively a company's net assets (equity) generate operating cash flow. It is calculated by dividing operating cash flow (Rs-471.88 Billion ≈ $-5.10 Billion USD) by net assets (Rs1.43 Trillion ≈ $15.45 Billion USD). A higher ratio indicates that the company is more efficient at using its equity to generate cash flow from its core operations.

Punjab National Bank - Cash Flow Conversion Efficiency Trend (2005–2025)

This chart illustrates how Punjab National Bank's cash flow conversion efficiency has evolved over time, based on yearly financial data. Read Punjab National Bank debt and liabilities for a breakdown of total debt and financial obligations.

Punjab National Bank Competitors by Cash Flow Conversion Efficiency

The table below lists competitors of Punjab National Bank ranked by their cash flow conversion efficiency.

Company	Cash Flow Conversion Efficiency
Raiffeisen Bank International AG VI:RBI	-0.103x
Asustek Computer Inc TW:2357	-0.060x
Pentair plc STU:PNT	0.052x
Eiffage SA PA:FGR	0.054x
TransUnion NYSE:TRU	0.070x
LATAM Airlines Group S.A. NYSE:LTM	0.802x
Ascendis Pharma AS NASDAQ:ASND	-0.434x
Everest Group Ltd NYSE:EG	-0.021x

Annual Cash Flow Conversion Efficiency for Punjab National Bank (2005–2025)

The table below shows the annual cash flow conversion efficiency of Punjab National Bank from 2005 to 2025. For the full company profile with market capitalisation and key ratios, see PNB market cap.

Year	Net Assets	Operating Cash Flow	Cash Flow Conversion Efficiency	Change
2025-03-31	Rs1.34 Trillion ≈ $14.47 Billion	Rs220.75 Billion ≈ $2.39 Billion	0.165x	+165.53%
2024-03-31	Rs1.11 Trillion ≈ $12.00 Billion	Rs-279.39 Billion ≈ $-3.02 Billion	-0.252x	-215.19%
2023-03-31	Rs1.03 Trillion ≈ $11.18 Billion	Rs225.92 Billion ≈ $2.44 Billion	0.219x	+204.65%
2022-03-31	Rs980.55 Billion ≈ $10.60 Billion	Rs-204.85 Billion ≈ $-2.22 Billion	-0.209x	-1667.81%
2021-03-31	Rs930.21 Billion ≈ $10.06 Billion	Rs12.40 Billion ≈ $134.05 Million	0.013x	+106.72%
2020-03-31	Rs642.37 Billion ≈ $6.95 Billion	Rs-127.44 Billion ≈ $-1.38 Billion	-0.198x	+73.56%
2019-03-31	Rs455.18 Billion ≈ $4.92 Billion	Rs-341.58 Billion ≈ $-3.69 Billion	-0.750x	-23066.57%
2018-03-31	Rs432.85 Billion ≈ $4.68 Billion	Rs-1.40 Billion ≈ $-15.16 Million	-0.003x	-100.65%
2017-03-31	Rs439.45 Billion ≈ $4.75 Billion	Rs219.38 Billion ≈ $2.37 Billion	0.499x	+49.88%
2016-03-31	Rs425.33 Billion ≈ $4.60 Billion	Rs141.67 Billion ≈ $1.53 Billion	0.333x	+194.70%
2015-03-31	Rs425.88 Billion ≈ $4.61 Billion	Rs48.14 Billion ≈ $520.57 Million	0.113x	-74.25%
2014-03-31	Rs385.16 Billion ≈ $4.17 Billion	Rs169.06 Billion ≈ $1.83 Billion	0.439x	+2308.09%
2013-03-31	Rs348.35 Billion ≈ $3.77 Billion	Rs-6.92 Billion ≈ $-74.89 Million	-0.020x	-2240.96%
2012-03-31	Rs295.35 Billion ≈ $3.19 Billion	Rs-250.80 Million ≈ $-2.71 Million	-0.001x	-100.26%
2011-03-31	Rs229.16 Billion ≈ $2.48 Billion	Rs73.61 Billion ≈ $796.03 Million	0.321x	+242.70%
2010-03-31	Rs189.30 Billion ≈ $2.05 Billion	Rs17.74 Billion ≈ $191.88 Million	0.094x	-33.79%
2009-03-31	Rs157.00 Billion ≈ $1.70 Billion	Rs22.22 Billion ≈ $240.35 Million	0.142x	-8.28%
2008-03-31	Rs132.14 Billion ≈ $1.43 Billion	Rs20.40 Billion ≈ $220.57 Million	0.154x	+117.06%
2007-03-31	Rs111.83 Billion ≈ $1.21 Billion	Rs-101.19 Billion ≈ $-1.09 Billion	-0.905x	-160.98%
2006-03-31	Rs101.30 Billion ≈ $1.10 Billion	Rs150.33 Billion ≈ $1.63 Billion	1.484x	+948.62%
2005-03-31	Rs87.00 Billion ≈ $940.82 Million	Rs12.31 Billion ≈ $133.14 Million	0.142x	--

About Punjab National Bank

NSE:PNB India Banks - Regional

Market Cap

$13.59 Billion

Rs1.26 Trillion INR

Market Cap Rank

#1747 Global

#64 in India

Share Price

Rs109.36

Change (1 day)

-1.64%

52-Week Range

Rs91.36 - Rs132.36

All Time High

Rs203.93