AU Small Finance Bank Limited (AUBANK) — Cash Flow Quality Index
AU Small Finance Bank Limited (AUBANK) has a Cash Flow Quality Index of -6.64x as of September 2025. Operating cash flow of Rs-75.84 Billion is below net income of Rs11.42 Billion, suggesting accrual-heavy earnings not yet converted to cash. Explore debt repayment capacity of AU Small Finance Bank Limited to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
AU Small Finance Bank Limited Cash Flow Quality Index (2013–2026)
Historical Cash Flow Quality Index for AU Small Finance Bank Limited across 14 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see cash flow conversion of AU Small Finance Bank Limited.
Annual Cash Flow Quality Index for AU Small Finance Bank Limited (2013–2026)
Year-by-year earnings quality comparison for AU Small Finance Bank Limited.
| Year | Quality Index | Operating CF (INR) | Net Income | YoY Change |
|---|---|---|---|---|
| 2026 | 0.53x | Rs18.29 Billion | Rs34.74 Billion | ▲ +107.0% |
| 2025 | -7.57x | Rs-211.02 Billion | Rs27.88 Billion | ▲ +0.5% |
| 2024 | -7.61x | Rs-152.09 Billion | Rs19.99 Billion | ▼ -358.2% |
| 2023 | 2.95x | Rs54.94 Billion | Rs18.65 Billion | ▼ -37.5% |
| 2022 | 4.71x | Rs68.49 Billion | Rs14.54 Billion | ▲ +35.9% |
| 2021 | 3.47x | Rs50.56 Billion | Rs14.59 Billion | ▲ +380.4% |
| 2020 | 0.72x | Rs6.60 Billion | Rs9.14 Billion | ▼ -50.6% |
| 2019 | 1.46x | Rs8.48 Billion | Rs5.80 Billion | ▼ -74.1% |
| 2018 | 5.65x | Rs25.05 Billion | Rs4.43 Billion | ▲ +1439.5% |
| 2017 | -0.42x | Rs-4.96 Billion | Rs11.75 Billion | ▲ +91.8% |
| 2016 | -5.14x | Rs-19.38 Billion | Rs3.77 Billion | ▼ -42.5% |
| 2015 | -3.60x | Rs-7.47 Billion | Rs2.07 Billion | ▲ +30.7% |
| 2014 | -5.20x | Rs-5.70 Billion | Rs1.10 Billion | ▲ +42.7% |
| 2013 | -9.07x | Rs-9.31 Billion | Rs1.03 Billion | — |