National Australia Bank Ltd (NAB) — Cash Flow-to-Debt Ratio
National Australia Bank Ltd (NAB) has a Cash Flow-to-Debt Ratio of 0.01x as of September 2025, meaning its operating cash flow of AU$10.51 Billion could theoretically repay 0% of its total liabilities (AU$1.05 Trillion) in one year. See NAB free cash flow debt coverage to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
National Australia Bank Ltd Cash Flow-to-Debt Ratio (1989–2025)
Historical debt coverage capacity for National Australia Bank Ltd across 37 annual periods. For the full cash flow conversion analysis, see National Australia Bank Ltd (NAB) cash conversion ratio.
Annual Cash Flow-to-Debt Ratio for National Australia Bank Ltd (1989–2025)
Year-by-year debt coverage analysis for National Australia Bank Ltd. Check NAB cash flow quality index to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (AUD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.01x | AU$8.51 Billion | AU$1.05 Trillion | ▲ +123.2% |
| 2024 | -0.04x | AU$-35.78 Billion | AU$1.02 Trillion | ▼ -31.3% |
| 2023 | -0.03x | AU$-26.70 Billion | AU$997.69 Billion | ▼ -194.5% |
| 2022 | 0.03x | AU$28.22 Billion | AU$996.22 Billion | ▲ +3122.5% |
| 2021 | 0.00x | AU$759.00 Million | AU$863.41 Billion | ▼ -97.9% |
| 2020 | 0.04x | AU$33.89 Billion | AU$805.57 Billion | ▲ +667.8% |
| 2019 | -0.01x | AU$-5.87 Billion | AU$791.52 Billion | ▲ +24.0% |
| 2018 | -0.01x | AU$-7.35 Billion | AU$753.80 Billion | ▲ +76.2% |
| 2017 | -0.04x | AU$-30.21 Billion | AU$737.01 Billion | ▼ -26.8% |
| 2016 | -0.03x | AU$-23.46 Billion | AU$725.39 Billion | ▼ -170.3% |
| 2015 | -0.01x | AU$-10.76 Billion | AU$899.54 Billion | ▲ +67.0% |
| 2014 | -0.04x | AU$-30.26 Billion | AU$835.39 Billion | ▼ -2476.1% |
| 2013 | 0.00x | AU$1.16 Billion | AU$763.49 Billion | ▲ +104.6% |
| 2012 | -0.03x | AU$-23.74 Billion | AU$717.69 Billion | ▼ -356.9% |
| 2011 | 0.01x | AU$9.16 Billion | AU$711.57 Billion | ▲ +42.1% |
| 2010 | 0.01x | AU$5.87 Billion | AU$647.00 Billion | ▼ -56.0% |
| 2009 | 0.02x | AU$12.70 Billion | AU$616.28 Billion | ▲ +39.7% |
| 2008 | 0.01x | AU$9.20 Billion | AU$623.95 Billion | ▲ +155.6% |
| 2007 | -0.03x | AU$-14.18 Billion | AU$534.75 Billion | ▼ -18.3% |
| 2006 | -0.02x | AU$-10.24 Billion | AU$456.81 Billion | ▼ -161.9% |
| 2005 | 0.04x | AU$13.95 Billion | AU$385.31 Billion | ▲ +118.7% |
| 2004 | 0.02x | AU$6.32 Billion | AU$381.54 Billion | ▲ +1374.5% |
| 2003 | 0.00x | AU$-481.00 Million | AU$370.26 Billion | ▼ -106.4% |
| 2002 | 0.02x | AU$7.24 Billion | AU$354.14 Billion | ▲ +168.5% |
| 2001 | 0.01x | AU$2.67 Billion | AU$351.16 Billion | ▼ -11.1% |
| 2000 | 0.01x | AU$2.28 Billion | AU$265.79 Billion | ▼ -43.0% |
| 1999 | 0.02x | AU$3.54 Billion | AU$235.56 Billion | ▲ +583.6% |
| 1998 | 0.00x | AU$519.00 Million | AU$235.95 Billion | ▼ -81.0% |
| 1997 | 0.01x | AU$2.19 Billion | AU$189.39 Billion | ▼ -27.8% |
| 1996 | 0.02x | AU$2.58 Billion | AU$161.19 Billion | ▲ +13.5% |
| 1995 | 0.01x | AU$1.50 Billion | AU$106.06 Billion | ▼ -63.4% |
| 1994 | 0.04x | AU$3.54 Billion | AU$91.89 Billion | ▲ +2.9% |
| 1993 | 0.04x | AU$3.25 Billion | AU$86.81 Billion | ▲ +20.5% |
| 1992 | 0.03x | AU$2.37 Billion | AU$76.14 Billion | ▲ +18.2% |
| 1991 | 0.03x | AU$1.78 Billion | AU$67.66 Billion | ▲ +89.0% |
| 1990 | 0.01x | AU$940.80 Million | AU$67.65 Billion | ▼ -16.8% |
| 1989 | 0.02x | AU$885.00 Million | AU$52.98 Billion | — |