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 long-term investments to assets 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
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 tangible equity quality of Indian Overseas Bank to evaluate the tangible quality of the company's equity base.
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 | — |