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 Punjab National Bank (PNB) flexibility index 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
Punjab National Bank Cash Flow-to-Debt Ratio (2005–2026)
Historical debt coverage capacity for Punjab National Bank across 22 annual periods. For the full cash flow conversion analysis, see Punjab National Bank cash conversion from operations.
Annual Cash Flow-to-Debt Ratio for Punjab National Bank (2005–2026)
Year-by-year debt coverage analysis for Punjab National Bank. Check Punjab National Bank (PNB) cash flow quality to evaluate the quality of earnings relative to operating cash generation.
| 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 | — |