State Bank of India (SBIN) — Cash Flow Quality Index
State Bank of India (SBIN) has a Cash Flow Quality Index of -3.82x as of September 2025. Operating cash flow of Rs-1.62 Trillion is below net income of Rs423.39 Billion, suggesting accrual-heavy earnings not yet converted to cash. Explore State Bank of India long-term investment allocation 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
State Bank of India Cash Flow Quality Index (2005–2025)
Historical Cash Flow Quality Index for State Bank of India across 20 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check tangible equity quality of State Bank of India to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for State Bank of India (2005–2025)
Year-by-year earnings quality comparison for State Bank of India. For live market cap and the full company financial profile, see State Bank of India (SBIN) total market value.
| Year | Quality Index | Operating CF (INR) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 0.46x | Rs484.86 Billion | Rs1.05 Trillion | ▲ +92.7% |
| 2024 | 0.24x | Rs216.32 Billion | Rs901.86 Billion | ▲ +120.8% |
| 2023 | -1.15x | Rs-860.14 Billion | Rs744.88 Billion | ▼ -197.6% |
| 2022 | 1.18x | Rs576.95 Billion | Rs487.56 Billion | ▼ -59.3% |
| 2021 | 2.91x | Rs899.19 Billion | Rs309.22 Billion | ▲ +287.8% |
| 2020 | 0.75x | Rs239.29 Billion | Rs319.08 Billion | ▼ -88.7% |
| 2019 | 6.64x | Rs295.56 Billion | Rs44.51 Billion | ▼ -86.5% |
| 2017 | 49.09x | Rs774.06 Billion | Rs15.77 Billion | ▲ +6058.3% |
| 2016 | 0.80x | Rs140.77 Billion | Rs176.58 Billion | ▼ -56.5% |
| 2015 | 1.83x | Rs464.03 Billion | Rs253.31 Billion | ▲ +96.6% |
| 2014 | 0.93x | Rs195.77 Billion | Rs210.10 Billion | ▼ -1.5% |
| 2013 | 0.95x | Rs240.98 Billion | Rs254.75 Billion | ▲ +175.3% |
| 2012 | -1.26x | Rs-301.14 Billion | Rs239.83 Billion | ▼ -155.6% |
| 2011 | 2.26x | Rs439.00 Billion | Rs194.25 Billion | ▲ +2462.9% |
| 2010 | 0.09x | Rs16.23 Billion | Rs184.02 Billion | ▼ -95.0% |
| 2009 | 1.76x | Rs311.70 Billion | Rs176.77 Billion | ▲ +675.5% |
| 2008 | -0.31x | Rs-42.09 Billion | Rs137.38 Billion | ▼ -163.7% |
| 2007 | 0.48x | Rs50.82 Billion | Rs105.57 Billion | ▼ -23.9% |
| 2006 | 0.63x | Rs55.43 Billion | Rs87.59 Billion | ▲ +2684.6% |
| 2005 | 0.02x | Rs1.84 Billion | Rs80.96 Billion | — |