Union Bank of India (UNIONBANK) — Cash Flow Quality Index
Union Bank of India (UNIONBANK) has a Cash Flow Quality Index of 2.72x as of September 2025. Operating cash flow of Rs240.66 Billion exceeds net income of Rs88.54 Billion, indicating high earnings quality where cash backs reported profits. Explore UNIONBANK operating cash flow to total debt to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Union Bank of India Cash Flow Quality Index (2005–2026)
Historical Cash Flow Quality Index for Union Bank of India across 19 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see Union Bank of India operating cash flow efficiency.
Annual Cash Flow Quality Index for Union Bank of India (2005–2026)
Year-by-year earnings quality comparison for Union Bank of India.
| Year | Quality Index | Operating CF (INR) | Net Income | YoY Change |
|---|---|---|---|---|
| 2026 | 0.37x | Rs71.99 Billion | Rs194.30 Billion | ▼ -50.4% |
| 2025 | 0.75x | Rs174.79 Billion | Rs234.24 Billion | ▼ -67.0% |
| 2024 | 2.26x | Rs312.42 Billion | Rs137.97 Billion | ▲ +350.1% |
| 2023 | 0.50x | Rs61.11 Billion | Rs121.46 Billion | ▼ -88.1% |
| 2022 | 4.24x | Rs363.39 Billion | Rs85.66 Billion | ▲ +128.5% |
| 2021 | -14.90x | Rs-346.80 Billion | Rs23.27 Billion | ▼ -15154.3% |
| 2017 | -0.10x | Rs-356.30 Million | Rs3.65 Billion | ▼ -102.1% |
| 2016 | 4.67x | Rs82.74 Billion | Rs17.72 Billion | ▲ +463.4% |
| 2015 | -1.29x | Rs-35.44 Billion | Rs27.57 Billion | ▼ -202.0% |
| 2014 | 1.26x | Rs25.70 Billion | Rs20.41 Billion | ▲ +1400.6% |
| 2013 | 0.08x | Rs1.81 Billion | Rs21.57 Billion | ▲ +103.9% |
| 2012 | -2.16x | Rs-38.24 Billion | Rs17.72 Billion | ▼ -205.7% |
| 2011 | 2.04x | Rs44.89 Billion | Rs21.99 Billion | ▲ +938.7% |
| 2010 | -0.24x | Rs-5.05 Billion | Rs20.75 Billion | ▼ -107.5% |
| 2009 | 3.24x | Rs55.99 Billion | Rs17.27 Billion | ▲ +133.0% |
| 2008 | 1.39x | Rs19.31 Billion | Rs13.87 Billion | ▼ -39.8% |
| 2007 | 2.31x | Rs19.56 Billion | Rs8.45 Billion | ▲ +238.9% |
| 2006 | -1.67x | Rs-11.25 Billion | Rs6.75 Billion | ▼ -143.9% |
| 2005 | 3.80x | Rs27.30 Billion | Rs7.19 Billion | — |