Punjab National Bank Cash Flow Quality Index
Punjab National Bank cash flow quality index. Punjab National Bank (PNB) has a Cash Flow Quality Index of -6.51x as of September 2025. Operating cash flow of Rs-471.88 Billion is below net income of Rs72.45 Billion, suggesting accrual-heavy earnings not yet converted to cash. See PNB free cash flow debt coverage 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 Punjab National Bank (2005–2026)
Cash flow quality index of Punjab National Bank from 2005 to 2026. Historical Cash Flow Quality Index for Punjab National Bank across 19 annual periods. Values consistently above 1.0x indicate high-quality earnings. Explore how well can Punjab National Bank service its debt to assess how comfortably operating cash covers total debt obligations.
Punjab National Bank Cash Flow Quality Index by Year (2005–2026)
Punjab National Bank cash flow quality index by year from 2005 to 2026. Year-by-year earnings quality comparison for Punjab National Bank. For the full cash flow conversion analysis, see Punjab National Bank operating cash flow efficiency.
| Year | Quality Index | Operating CF (INR) | Net Income | YoY Change |
|---|---|---|---|---|
| 2026 | 1.37x | Rs252.47 Billion | Rs183.93 Billion | ▲ +14.9% |
| 2025 | 1.19x | Rs220.75 Billion | Rs184.80 Billion | ▲ +138.9% |
| 2024 | -3.07x | Rs-279.39 Billion | Rs91.07 Billion | ▼ -169.8% |
| 2023 | 4.39x | Rs225.92 Billion | Rs51.41 Billion | ▲ +202.5% |
| 2022 | -4.29x | Rs-204.85 Billion | Rs47.79 Billion | ▼ -1550.3% |
| 2021 | 0.30x | Rs12.40 Billion | Rs41.94 Billion | ▲ +102.1% |
| 2020 | -14.13x | Rs-127.44 Billion | Rs9.02 Billion | ▼ -220.9% |
| 2017 | 11.68x | Rs219.38 Billion | Rs18.78 Billion | ▲ +1015.3% |
| 2015 | 1.05x | Rs48.14 Billion | Rs45.96 Billion | ▼ -68.4% |
| 2014 | 3.31x | Rs169.06 Billion | Rs51.09 Billion | ▲ +3387.3% |
| 2013 | -0.10x | Rs-6.92 Billion | Rs68.79 Billion | ▼ -2809.6% |
| 2012 | 0.00x | Rs-250.80 Million | Rs72.49 Billion | ▼ -100.2% |
| 2011 | 1.63x | Rs73.61 Billion | Rs45.16 Billion | ▲ +455.2% |
| 2010 | 0.29x | Rs17.74 Billion | Rs60.43 Billion | ▼ -35.0% |
| 2009 | 0.45x | Rs22.22 Billion | Rs49.17 Billion | ▼ -22.4% |
| 2008 | 0.58x | Rs20.40 Billion | Rs35.01 Billion | ▲ +113.1% |
| 2007 | -4.46x | Rs-101.19 Billion | Rs22.69 Billion | ▼ -163.5% |
| 2006 | 7.02x | Rs150.33 Billion | Rs21.41 Billion | ▲ +973.5% |
| 2005 | 0.65x | Rs12.31 Billion | Rs18.82 Billion | — |