Indian Overseas Bank Cash Flow-to-Debt Ratio
Indian Overseas Bank cash flow-to-debt ratio. Indian Overseas Bank (IOB) has a Cash Flow-to-Debt Ratio of -0.06x as of September 2025, meaning its operating cash flow of Rs-243.43 Billion could theoretically repay 0% of its total liabilities (Rs3.98 Trillion) in one year. Check earnings quality score of Indian Overseas Bank to evaluate the quality of earnings relative to operating cash generation.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Cash Flow-to-Debt Ratio of Indian Overseas Bank (2005–2025)
Cash flow-to-debt ratio of Indian Overseas Bank from 2005 to 2025. Historical debt coverage capacity for Indian Overseas Bank across 21 annual periods. Check IOB total capital reinvestment ratio to assess the company's total reinvestment commitment from operating cash flow.
Indian Overseas Bank Cash Flow-to-Debt Ratio by Year (2005–2025)
Indian Overseas Bank cash flow-to-debt ratio by year from 2005 to 2025. Year-by-year debt coverage analysis for Indian Overseas Bank. For the full cash flow conversion analysis, see Indian Overseas Bank (IOB) cash flow conversion.
| Year | CF-to-Debt Ratio | Operating CF (INR) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | -0.06x | Rs-229.78 Billion | Rs3.62 Trillion | ▼ -1737.3% |
| 2024 | 0.00x | Rs-11.19 Billion | Rs3.24 Trillion | ▲ +93.6% |
| 2023 | -0.05x | Rs-155.84 Billion | Rs2.89 Trillion | ▲ +8.5% |
| 2022 | -0.06x | Rs-163.22 Billion | Rs2.76 Trillion | ▼ -406.7% |
| 2021 | 0.02x | Rs49.51 Billion | Rs2.57 Trillion | ▲ +133.6% |
| 2020 | -0.06x | Rs-140.23 Billion | Rs2.45 Trillion | ▼ -1604.7% |
| 2019 | 0.00x | Rs-7.86 Billion | Rs2.34 Trillion | ▲ +56.0% |
| 2018 | -0.01x | Rs-17.93 Billion | Rs2.35 Trillion | ▼ -324.2% |
| 2017 | 0.00x | Rs-5.05 Billion | Rs2.80 Trillion | ▲ +70.0% |
| 2016 | -0.01x | Rs-15.52 Billion | Rs2.59 Trillion | ▼ -127.2% |
| 2015 | 0.02x | Rs59.41 Billion | Rs2.70 Trillion | ▲ +73.7% |
| 2014 | 0.01x | Rs32.78 Billion | Rs2.59 Trillion | ▲ +582.7% |
| 2013 | 0.00x | Rs-6.07 Billion | Rs2.31 Trillion | ▼ -114.8% |
| 2012 | 0.02x | Rs36.93 Billion | Rs2.08 Trillion | ▲ +11227.1% |
| 2011 | 0.00x | Rs-270.77 Million | Rs1.69 Trillion | ▲ +98.4% |
| 2010 | -0.01x | Rs-12.10 Billion | Rs1.24 Trillion | ▼ -558.9% |
| 2009 | 0.00x | Rs2.43 Billion | Rs1.14 Trillion | ▼ -90.1% |
| 2008 | 0.02x | Rs20.86 Billion | Rs969.72 Billion | ▼ -62.7% |
| 2007 | 0.06x | Rs45.16 Billion | Rs782.66 Billion | ▲ +265.8% |
| 2006 | -0.03x | Rs-19.55 Billion | Rs561.80 Billion | ▼ -319.9% |
| 2005 | -0.01x | Rs-4.00 Billion | Rs482.40 Billion | — |