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 financial flexibility index of Indian Overseas Bank 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
Indian Overseas Bank Cash Flow-to-Debt Ratio (2005–2025)
Historical debt coverage capacity for Indian Overseas Bank across 21 annual periods. For the full cash flow conversion analysis, see IOB cash generation efficiency.
Annual Cash Flow-to-Debt Ratio for Indian Overseas Bank (2005–2025)
Year-by-year debt coverage analysis for Indian Overseas Bank. Check how high is Indian Overseas Bank's earnings quality to evaluate the quality of earnings relative to operating cash generation.
| 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 | — |