Punjab National Bank (PNB) — 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. Explore Punjab National Bank (PNB) investment intensity 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
Punjab National Bank Cash Flow Quality Index (2005–2026)
Historical Cash Flow Quality Index for Punjab National Bank across 19 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check Punjab National Bank tangible book value ratio to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for Punjab National Bank (2005–2026)
Year-by-year earnings quality comparison for Punjab National Bank. For live market cap and the full company financial profile, see PNB company net worth.
| 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 | — |