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 cash flow conversion to assess how effectively this company generates cash.
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 SBIN total capital reinvestment ratio to assess the company's total reinvestment commitment from operating cash flow.
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 SBIN market cap overview.
| 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 | — |