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 investment intensity of City Union Bank Limited to see how much of total assets are deployed in long-term investments.
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. Check CUB tangible net worth ratio to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for City Union Bank Limited (2005–2026)
Year-by-year earnings quality comparison for City Union Bank Limited. For live market cap and the full company financial profile, see CUB stock market capitalisation.
| 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 | — |