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 CUB cash generation efficiency to assess how effectively this company generates cash.
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 how aggressively does City Union Bank Limited reinvest cash to assess the company's total reinvestment commitment from operating cash flow.
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 | — |