Indian Overseas Bank (IOB) — 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. See how much free cash does Indian Overseas Bank generate to measure how efficiently the company converts operating cash flow to free cash.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Indian Overseas Bank Cash Flow-to-Debt Ratio (2005–2025)
Historical debt coverage capacity for Indian Overseas Bank across 21 annual periods. Also explore IOB net assets growth trend to track the company's year-over-year net asset growth rate.
Annual Cash Flow-to-Debt Ratio for Indian Overseas Bank (2005–2025)
Year-by-year debt coverage analysis for Indian Overseas Bank. For market capitalisation and broader financial context, see IOB company net worth.
| 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 | — |