City Union Bank Limited (CUB) — Cash Flow Quality Index
City Union Bank Limited (CUB) has a Cash Flow Quality Index of -6.37x as of September 2025. Operating cash flow of Rs-40.39 Billion is below net income of Rs6.35 Billion, suggesting accrual-heavy earnings not yet converted to cash. Explore City Union Bank Limited cash debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
City Union Bank Limited Cash Flow Quality Index (2005–2026)
Historical Cash Flow Quality Index for City Union Bank Limited across 22 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see City Union Bank Limited operating cash flow efficiency.
Annual Cash Flow Quality Index for City Union Bank Limited (2005–2026)
Year-by-year earnings quality comparison for City Union Bank Limited.
| Year | Quality Index | Operating CF (INR) | Net Income | YoY Change |
|---|---|---|---|---|
| 2026 | 1.22x | Rs16.22 Billion | Rs13.26 Billion | ▲ +120.4% |
| 2025 | -6.00x | Rs-67.41 Billion | Rs11.24 Billion | ▼ -584.9% |
| 2024 | 1.24x | Rs12.57 Billion | Rs10.16 Billion | ▲ +1055.2% |
| 2023 | 0.11x | Rs1.00 Billion | Rs9.37 Billion | ▼ -93.0% |
| 2022 | 1.53x | Rs11.66 Billion | Rs7.60 Billion | ▼ -1.4% |
| 2021 | 1.55x | Rs9.22 Billion | Rs5.93 Billion | ▼ -59.7% |
| 2020 | 3.86x | Rs18.36 Billion | Rs4.76 Billion | ▲ +563.2% |
| 2019 | 0.58x | Rs3.97 Billion | Rs6.83 Billion | ▲ +287.9% |
| 2018 | -0.31x | Rs-1.83 Billion | Rs5.92 Billion | ▼ -154.8% |
| 2017 | 0.56x | Rs2.84 Billion | Rs5.03 Billion | ▲ +26.4% |
| 2016 | 0.45x | Rs1.98 Billion | Rs4.45 Billion | ▲ +34.9% |
| 2015 | 0.33x | Rs1.31 Billion | Rs3.95 Billion | ▼ -72.2% |
| 2014 | 1.19x | Rs4.12 Billion | Rs3.47 Billion | ▼ -38.1% |
| 2013 | 1.92x | Rs6.18 Billion | Rs3.22 Billion | ▲ +853.6% |
| 2012 | -0.25x | Rs-713.79 Million | Rs2.80 Billion | ▼ -123.1% |
| 2011 | 1.10x | Rs2.37 Billion | Rs2.15 Billion | ▼ -27.1% |
| 2010 | 1.51x | Rs2.31 Billion | Rs1.53 Billion | ▲ +100.4% |
| 2009 | 0.75x | Rs920.35 Million | Rs1.22 Billion | ▼ -68.1% |
| 2008 | 2.36x | Rs2.40 Billion | Rs1.02 Billion | ▼ -23.8% |
| 2007 | 3.10x | Rs2.22 Billion | Rs718.10 Million | ▲ +195.3% |
| 2006 | 1.05x | Rs591.39 Million | Rs563.74 Million | ▲ +249.1% |
| 2005 | 0.30x | Rs139.18 Million | Rs463.18 Million | — |