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 IOB operating cash to total liabilities to assess how comfortably operating cash covers total debt obligations.
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. For the full cash flow conversion analysis, see IOB cash flow metrics.
Annual Cash Flow Quality Index for Indian Overseas Bank (2005–2025)
Year-by-year earnings quality comparison for Indian Overseas Bank.
| 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 | — |