Indian Overseas Bank (IOB) — 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. Explore cash flow conversion of Indian Overseas Bank to assess how effectively this company generates cash.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Indian Overseas Bank Cash Flow Quality Index (2005–2025)
Historical Cash Flow Quality Index for Indian Overseas Bank across 15 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check IOB cash reinvestment to operating cash ratio to assess the company's total reinvestment commitment from operating cash flow.
Annual Cash Flow Quality Index for Indian Overseas Bank (2005–2025)
Year-by-year earnings quality comparison for Indian Overseas Bank. For live market cap and the full company financial profile, see IOB stock market capitalisation.
| 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 | — |