State Bank of India (SBIN) — Cash Flow Quality Index

Latest as of September 2025: -3.82x

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 debt service capacity to assess how comfortably operating cash covers total debt obligations.

Cash Flow Quality Index

-3.82x
Operating CF / Net Income

Operating Cash Flow

Rs-1.62 Trillion
INR

Net Income

Rs423.39 Billion
INR

Data as of

Sep 2025
Most recent filing

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. For the full cash flow conversion analysis, see how efficiently does State Bank of India generate cash.

Annual Cash Flow Quality Index for State Bank of India (2005–2025)

Year-by-year earnings quality comparison for State Bank of India.

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 —
Cash Flow Quality Index = Operating Cash Flow / Net Income. Ratios above 1.0x indicate cash-backed earnings.