Punjab National Bank (PNB) — 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. See PNB free cash flow to operating cash ratio 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
Punjab National Bank Cash Flow-to-Debt Ratio (2005–2026)
Historical debt coverage capacity for Punjab National Bank across 22 annual periods. Also explore Punjab National Bank annual equity growth to track the company's year-over-year net asset growth rate.
Annual Cash Flow-to-Debt Ratio for Punjab National Bank (2005–2026)
Year-by-year debt coverage analysis for Punjab National Bank. For market capitalisation and broader financial context, see market cap of Punjab National Bank.
| 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 | — |