Punjab & Sind Bank Cash Flow Quality Index
Punjab & Sind Bank cash flow quality index. 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. See how financially flexible is Punjab & Sind Bank 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 & Sind Bank (2006–2026)
Cash flow quality index of Punjab & Sind Bank from 2006 to 2026. Historical Cash Flow Quality Index for Punjab & Sind Bank across 17 annual periods. Values consistently above 1.0x indicate high-quality earnings. Explore Punjab & Sind Bank cash debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
Punjab & Sind Bank Cash Flow Quality Index by Year (2006–2026)
Punjab & Sind Bank cash flow quality index by year from 2006 to 2026. Year-by-year earnings quality comparison for Punjab & Sind Bank. For the full cash flow conversion analysis, see PSB cash generation efficiency.
| 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 | — |