Punjab National Bank Cash Flow-to-Debt Ratio
Punjab National Bank cash flow-to-debt ratio. Punjab National Bank (PNB) has a Cash Flow-to-Debt Ratio of -0.03x as of September 2025, meaning its operating cash flow of Rs-471.88 Billion could theoretically repay 0% of its total liabilities (Rs17.78 Trillion) in one year. Check Punjab National Bank cash earnings quality 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 Punjab National Bank (2005–2026)
Cash flow-to-debt ratio of Punjab National Bank from 2005 to 2026. Historical debt coverage capacity for Punjab National Bank across 22 annual periods. Check Punjab National Bank (PNB) reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
Punjab National Bank Cash Flow-to-Debt Ratio by Year (2005–2026)
Punjab National Bank cash flow-to-debt ratio by year from 2005 to 2026. Year-by-year debt coverage analysis for Punjab National Bank. For the full cash flow conversion analysis, see Punjab National Bank operating cash flow efficiency.
| Year | CF-to-Debt Ratio | Operating CF (INR) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2026 | 0.01x | Rs252.47 Billion | Rs18.83 Trillion | ▲ +4.7% |
| 2025 | 0.01x | Rs220.75 Billion | Rs17.24 Trillion | ▲ +168.2% |
| 2024 | -0.02x | Rs-279.39 Billion | Rs14.88 Trillion | ▼ -215.6% |
| 2023 | 0.02x | Rs225.92 Billion | Rs13.90 Trillion | ▲ +198.5% |
| 2022 | -0.02x | Rs-204.85 Billion | Rs12.41 Trillion | ▼ -1680.0% |
| 2021 | 0.00x | Rs12.40 Billion | Rs11.87 Trillion | ▲ +106.5% |
| 2020 | -0.02x | Rs-127.44 Billion | Rs7.87 Trillion | ▲ +64.8% |
| 2019 | -0.05x | Rs-341.58 Billion | Rs7.44 Trillion | ▼ -23998.7% |
| 2018 | 0.00x | Rs-1.40 Billion | Rs7.36 Trillion | ▼ -100.6% |
| 2017 | 0.03x | Rs219.38 Billion | Rs6.89 Trillion | ▲ +50.6% |
| 2016 | 0.02x | Rs141.67 Billion | Rs6.70 Trillion | ▲ +160.6% |
| 2015 | 0.01x | Rs48.14 Billion | Rs5.93 Trillion | ▼ -74.3% |
| 2014 | 0.03x | Rs169.06 Billion | Rs5.36 Trillion | ▲ +2202.0% |
| 2013 | 0.00x | Rs-6.92 Billion | Rs4.62 Trillion | ▼ -2536.5% |
| 2012 | 0.00x | Rs-250.80 Million | Rs4.41 Trillion | ▼ -100.3% |
| 2011 | 0.02x | Rs73.61 Billion | Rs3.63 Trillion | ▲ +225.0% |
| 2010 | 0.01x | Rs17.74 Billion | Rs2.85 Trillion | ▼ -33.3% |
| 2009 | 0.01x | Rs22.22 Billion | Rs2.38 Trillion | ▼ -12.7% |
| 2008 | 0.01x | Rs20.40 Billion | Rs1.91 Trillion | ▲ +116.4% |
| 2007 | -0.07x | Rs-101.19 Billion | Rs1.55 Trillion | ▼ -160.0% |
| 2006 | 0.11x | Rs150.33 Billion | Rs1.38 Trillion | ▲ +955.1% |
| 2005 | 0.01x | Rs12.31 Billion | Rs1.19 Trillion | — |