AU Small Finance Bank Limited (AUBANK) — Cash Flow-to-Debt Ratio
AU Small Finance Bank Limited (AUBANK) has a Cash Flow-to-Debt Ratio of -0.05x as of September 2025, meaning its operating cash flow of Rs-75.84 Billion could theoretically repay 0% of its total liabilities (Rs1.47 Trillion) in one year. See AUBANK financial flexibility score 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
AU Small Finance Bank Limited Cash Flow-to-Debt Ratio (2013–2026)
Historical debt coverage capacity for AU Small Finance Bank Limited across 14 annual periods. For the full cash flow conversion analysis, see AUBANK cash flow metrics.
Annual Cash Flow-to-Debt Ratio for AU Small Finance Bank Limited (2013–2026)
Year-by-year debt coverage analysis for AU Small Finance Bank Limited. Check AU Small Finance Bank Limited (AUBANK) cash flow quality to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (INR) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2026 | 0.01x | Rs18.29 Billion | Rs1.72 Trillion | ▲ +107.1% |
| 2025 | -0.15x | Rs-211.02 Billion | Rs1.41 Trillion | ▲ +4.5% |
| 2024 | -0.16x | Rs-152.09 Billion | Rs968.66 Billion | ▼ -326.5% |
| 2023 | 0.07x | Rs54.94 Billion | Rs792.39 Billion | ▼ -37.7% |
| 2022 | 0.11x | Rs68.49 Billion | Rs615.64 Billion | ▼ -0.3% |
| 2021 | 0.11x | Rs50.56 Billion | Rs453.16 Billion | ▲ +538.9% |
| 2020 | 0.02x | Rs6.60 Billion | Rs377.66 Billion | ▼ -39.3% |
| 2019 | 0.03x | Rs8.48 Billion | Rs294.60 Billion | ▼ -81.0% |
| 2018 | 0.15x | Rs25.05 Billion | Rs165.52 Billion | ▲ +338.7% |
| 2017 | -0.06x | Rs-4.96 Billion | Rs78.18 Billion | ▲ +82.8% |
| 2016 | -0.37x | Rs-19.38 Billion | Rs52.72 Billion | ▼ -58.1% |
| 2015 | -0.23x | Rs-7.47 Billion | Rs32.13 Billion | ▲ +3.7% |
| 2014 | -0.24x | Rs-5.70 Billion | Rs23.61 Billion | ▲ +30.7% |
| 2013 | -0.35x | Rs-9.31 Billion | Rs26.71 Billion | — |