Union Bank of India (UNIONBANK) — Cash Flow Quality Index
Union Bank of India (UNIONBANK) has a Cash Flow Quality Index of -3.22x as of September 2025. Operating cash flow of Rs-136.73 Billion is below net income of Rs42.49 Billion, suggesting accrual-heavy earnings not yet converted to cash. Explore investment intensity of Union Bank of India to see how much of total assets are deployed in long-term investments.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Union Bank of India Cash Flow Quality Index (2005–2025)
Historical Cash Flow Quality Index for Union Bank of India across 18 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check Union Bank of India (UNIONBANK) tangible net worth to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for Union Bank of India (2005–2025)
Year-by-year earnings quality comparison for Union Bank of India. For live market cap and the full company financial profile, see Union Bank of India stock valuation.
| Year | Quality Index | Operating CF (INR) | Net Income | YoY Change |
|---|---|---|---|---|
| 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 | — |