State Bank of India Cash Flow Quality Index
State Bank of India 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. See financial agility of State Bank of India 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 State Bank of India (2005–2025)
Cash flow quality index of State Bank of India from 2005 to 2025. Historical Cash Flow Quality Index for State Bank of India across 20 annual periods. Values consistently above 1.0x indicate high-quality earnings. Explore SBIN cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
State Bank of India Cash Flow Quality Index by Year (2005–2025)
State Bank of India cash flow quality index by year from 2005 to 2025. Year-by-year earnings quality comparison for State Bank of India. For the full cash flow conversion analysis, see State Bank of India cash flow conversion.
| 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 | — |