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 cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
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. For the full cash flow conversion analysis, see Punjab National Bank cash flow conversion.
Annual Cash Flow Quality Index for Punjab National Bank (2005–2026)
Year-by-year earnings quality comparison for Punjab National Bank.
| 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 | — |