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. Explore how much of Punjab National Bank's assets are long-term investments to see how much of total assets are deployed in long-term investments.
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 total assets of Punjab National Bank for the complete picture of this company's asset base.
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 PNB stock market capitalisation.
| 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 | — |