Indian Overseas Bank Cash Flow Quality Index
Indian Overseas Bank cash flow quality index. Indian Overseas Bank (IOB) has a Cash Flow Quality Index of -9.99x as of September 2025. Operating cash flow of Rs-243.43 Billion is below net income of Rs24.37 Billion, suggesting accrual-heavy earnings not yet converted to cash. See Indian Overseas Bank free cash flow to debt ratio to measure the company's free cash flow as a share of total liabilities.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of Indian Overseas Bank (2005–2025)
Cash flow quality index of Indian Overseas Bank from 2005 to 2025. Historical Cash Flow Quality Index for Indian Overseas Bank across 15 annual periods. Values consistently above 1.0x indicate high-quality earnings. Explore IOB operating cash to total liabilities to assess how comfortably operating cash covers total debt obligations.
Indian Overseas Bank Cash Flow Quality Index by Year (2005–2025)
Indian Overseas Bank cash flow quality index by year from 2005 to 2025. Year-by-year earnings quality comparison for Indian Overseas Bank. For the full cash flow conversion analysis, see IOB operating cash flow.
| Year | Quality Index | Operating CF (INR) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | -6.77x | Rs-229.78 Billion | Rs33.96 Billion | ▼ -1970.0% |
| 2024 | -0.33x | Rs-11.19 Billion | Rs34.23 Billion | ▲ +95.1% |
| 2023 | -6.62x | Rs-155.84 Billion | Rs23.53 Billion | ▲ +27.8% |
| 2022 | -9.17x | Rs-163.22 Billion | Rs17.79 Billion | ▼ -258.4% |
| 2021 | 5.79x | Rs49.51 Billion | Rs8.55 Billion | ▲ +6.3% |
| 2014 | 5.45x | Rs32.78 Billion | Rs6.02 Billion | ▲ +609.2% |
| 2013 | -1.07x | Rs-6.07 Billion | Rs5.67 Billion | ▼ -130.4% |
| 2012 | 3.52x | Rs36.93 Billion | Rs10.50 Billion | ▲ +14029.8% |
| 2011 | -0.03x | Rs-270.77 Million | Rs10.73 Billion | ▲ +98.5% |
| 2010 | -1.71x | Rs-12.10 Billion | Rs7.07 Billion | ▼ -1033.5% |
| 2009 | 0.18x | Rs2.43 Billion | Rs13.26 Billion | ▼ -89.4% |
| 2008 | 1.74x | Rs20.86 Billion | Rs12.02 Billion | ▼ -61.3% |
| 2007 | 4.48x | Rs45.16 Billion | Rs10.08 Billion | ▲ +279.5% |
| 2006 | -2.50x | Rs-19.55 Billion | Rs7.83 Billion | ▼ -306.6% |
| 2005 | -0.61x | Rs-4.00 Billion | Rs6.51 Billion | — |