Punjab & Sind Bank (PSB) — Cash Flow Quality Index

Latest as of September 2025: -14.89x

Punjab & Sind Bank (PSB) has a Cash Flow Quality Index of -14.89x as of September 2025. Operating cash flow of Rs-83.95 Billion is below net income of Rs5.64 Billion, suggesting accrual-heavy earnings not yet converted to cash. Explore PSB cash flow conversion to assess how effectively this company generates cash.

Cash Flow Quality Index

-14.89x
Operating CF / Net Income

Operating Cash Flow

Rs-83.95 Billion
INR

Net Income

Rs5.64 Billion
INR

Data as of

Sep 2025
Most recent filing

Punjab & Sind Bank Cash Flow Quality Index (2006–2026)

Historical Cash Flow Quality Index for Punjab & Sind Bank across 17 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check Punjab & Sind Bank (PSB) reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.

Annual Cash Flow Quality Index for Punjab & Sind Bank (2006–2026)

Year-by-year earnings quality comparison for Punjab & Sind Bank. For live market cap and the full company financial profile, see how much is Punjab & Sind Bank worth.

Year Quality Index Operating CF (INR) Net Income YoY Change
2026 2.71x Rs35.86 Billion Rs13.22 Billion ▲ +854.0%
2025 -0.36x Rs-3.65 Billion Rs10.16 Billion ▲ +97.3%
2024 -13.43x Rs-79.95 Billion Rs5.95 Billion ▼ -1334.4%
2023 1.09x Rs1.43 Trillion Rs1.31 Trillion ▲ +118.8%
2022 -5.77x Rs-59.99 Billion Rs10.39 Billion ▼ -128.1%
2017 -2.53x Rs-5.09 Billion Rs2.01 Billion ▼ -191.5%
2016 2.77x Rs9.30 Billion Rs3.36 Billion ▲ +116.9%
2015 -16.33x Rs-19.82 Billion Rs1.21 Billion ▼ -298.9%
2014 8.21x Rs24.69 Billion Rs3.01 Billion ▲ +12705.7%
2013 -0.07x Rs-220.97 Million Rs3.39 Billion ▲ +95.5%
2012 -1.45x Rs-6.53 Billion Rs4.51 Billion ▼ -798.6%
2011 -0.16x Rs-847.21 Million Rs5.26 Billion ▼ -104.8%
2010 3.33x Rs16.95 Billion Rs5.09 Billion ▲ +483.4%
2009 -0.87x Rs-3.80 Billion Rs4.37 Billion ▼ -199.2%
2008 0.88x Rs3.35 Billion Rs3.82 Billion ▼ -58.9%
2007 2.13x Rs4.65 Billion Rs2.19 Billion ▲ +5735.6%
2006 -0.04x Rs-107.90 Million Rs2.86 Billion —
Cash Flow Quality Index = Operating Cash Flow / Net Income. Ratios above 1.0x indicate cash-backed earnings.