Tamilnad Mercantile Bank Limited (TMB) — Cash Flow Quality Index
Tamilnad Mercantile Bank Limited (TMB) has a Cash Flow Quality Index of -5.25x as of September 2025. Operating cash flow of Rs-32.68 Billion is below net income of Rs6.22 Billion, suggesting accrual-heavy earnings not yet converted to cash. Explore Tamilnad Mercantile Bank Limited (TMB) debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Tamilnad Mercantile Bank Limited Cash Flow Quality Index (2013–2026)
Historical Cash Flow Quality Index for Tamilnad Mercantile Bank Limited across 14 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see TMB cash flow metrics.
Annual Cash Flow Quality Index for Tamilnad Mercantile Bank Limited (2013–2026)
Year-by-year earnings quality comparison for Tamilnad Mercantile Bank Limited.
| Year | Quality Index | Operating CF (INR) | Net Income | YoY Change |
|---|---|---|---|---|
| 2026 | 1.20x | Rs16.07 Billion | Rs13.38 Billion | ▼ -25.2% |
| 2025 | 1.61x | Rs18.99 Billion | Rs11.83 Billion | ▲ +381.9% |
| 2024 | -0.57x | Rs-6.11 Billion | Rs10.72 Billion | ▲ +53.8% |
| 2023 | -1.23x | Rs-12.70 Billion | Rs10.29 Billion | ▼ -176.5% |
| 2022 | 1.61x | Rs13.25 Billion | Rs8.22 Billion | ▲ +245.1% |
| 2021 | -1.11x | Rs-6.70 Billion | Rs6.03 Billion | ▼ -179.8% |
| 2020 | 1.39x | Rs5.67 Billion | Rs4.08 Billion | ▲ +42.7% |
| 2019 | 0.97x | Rs2.52 Billion | Rs2.59 Billion | ▲ +134.5% |
| 2018 | -2.82x | Rs-6.27 Billion | Rs2.22 Billion | ▲ +16.3% |
| 2017 | -3.38x | Rs-10.69 Billion | Rs3.17 Billion | ▲ +71.3% |
| 2016 | -11.78x | Rs-47.37 Billion | Rs4.02 Billion | ▼ -66.4% |
| 2015 | -7.08x | Rs-26.86 Billion | Rs3.79 Billion | ▲ +0.3% |
| 2014 | -7.10x | Rs-21.35 Billion | Rs3.01 Billion | ▼ -31.7% |
| 2013 | -5.39x | Rs-23.74 Billion | Rs4.40 Billion | — |