Xero Ltd (XRO) — Cash Flow-to-Debt Ratio

Latest as of September 2025: 0.25x

Xero Ltd (XRO) has a Cash Flow-to-Debt Ratio of 0.25x as of September 2025, meaning its operating cash flow of AU$530.43 Million could theoretically repay 0% of its total liabilities (AU$2.09 Billion) in one year. See XRO financial flexibility score to measure the company's free cash flow as a share of total liabilities.

CF-to-Debt Ratio

0.25x
Operating CF / Total Liabilities

Operating Cash Flow

AU$530.43 Million
AUD

Total Liabilities

AU$2.09 Billion
AUD

Data as of

Sep 2025
Most recent filing

Xero Ltd Cash Flow-to-Debt Ratio (2008–2025)

Historical debt coverage capacity for Xero Ltd across 18 annual periods. For the full cash flow conversion analysis, see Xero Ltd (XRO) cash flow conversion.

Annual Cash Flow-to-Debt Ratio for Xero Ltd (2008–2025)

Year-by-year debt coverage analysis for Xero Ltd. Check Xero Ltd 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 0.39x AU$812.82 Million AU$2.06 Billion ▲ +3.9%
2024 0.38x AU$591.76 Million AU$1.56 Billion ▲ +30.5%
2023 0.29x AU$390.45 Million AU$1.34 Billion ▲ +49.3%
2022 0.19x AU$236.37 Million AU$1.21 Billion ▲ +4.8%
2021 0.19x AU$218.64 Million AU$1.18 Billion ▼ -18.8%
2020 0.23x AU$162.31 Million AU$708.38 Million ▲ +27.3%
2019 0.18x AU$106.64 Million AU$592.38 Million ▼ -67.2%
2018 0.55x AU$56.54 Million AU$103.01 Million ▲ +938.6%
2017 -0.07x AU$-4.14 Million AU$63.32 Million ▲ +90.9%
2016 -0.72x AU$-31.98 Million AU$44.24 Million ▲ +39.9%
2015 -1.20x AU$-38.62 Million AU$32.12 Million ▲ +48.4%
2014 -2.33x AU$-21.02 Million AU$9.03 Million ▼ -92.7%
2013 -1.21x AU$-7.53 Million AU$6.23 Million ▼ -37.3%
2012 -0.88x AU$-4.86 Million AU$5.53 Million ▲ +55.2%
2011 -1.96x AU$-5.22 Million AU$2.66 Million ▲ +40.0%
2010 -3.27x AU$-6.79 Million AU$2.08 Million ▼ -33.3%
2009 -2.45x AU$-5.14 Million AU$2.10 Million ▲ +64.7%
2008 -6.94x AU$-3.88 Million AU$558.00K —
Cash Flow-to-Debt Ratio = Operating Cash Flow / Total Liabilities. Higher is better for debt service capacity.