State Bank of India (SBIN) — Cash Flow-to-Debt Ratio
State Bank of India (SBIN) has a Cash Flow-to-Debt Ratio of -0.02x as of September 2025, meaning its operating cash flow of Rs-1.62 Trillion could theoretically repay 0% of its total liabilities (Rs70.84 Trillion) in one year. See State Bank of India free cash flow generation 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
State Bank of India Cash Flow-to-Debt Ratio (2005–2025)
Historical debt coverage capacity for State Bank of India across 21 annual periods. Also explore SBIN net asset momentum to track the company's year-over-year net asset growth rate.
Annual Cash Flow-to-Debt Ratio for State Bank of India (2005–2025)
Year-by-year debt coverage analysis for State Bank of India. For market capitalisation and broader financial context, see SBIN company net worth.
| Year | CF-to-Debt Ratio | Operating CF (INR) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.01x | Rs484.86 Billion | Rs68.09 Trillion | ▲ +107.5% |
| 2024 | 0.00x | Rs216.32 Billion | Rs63.03 Trillion | ▲ +122.3% |
| 2023 | -0.02x | Rs-860.14 Billion | Rs55.83 Trillion | ▼ -234.7% |
| 2022 | 0.01x | Rs576.95 Billion | Rs50.44 Trillion | ▼ -42.0% |
| 2021 | 0.02x | Rs899.19 Billion | Rs45.60 Trillion | ▲ +224.5% |
| 2020 | 0.01x | Rs239.29 Billion | Rs39.38 Trillion | ▼ -25.0% |
| 2019 | 0.01x | Rs295.56 Billion | Rs36.48 Trillion | ▲ +128.4% |
| 2018 | -0.03x | Rs-965.08 Billion | Rs33.82 Trillion | ▼ -218.8% |
| 2017 | 0.02x | Rs774.06 Billion | Rs32.21 Trillion | ▲ +392.7% |
| 2016 | 0.00x | Rs140.77 Billion | Rs28.87 Trillion | ▼ -73.4% |
| 2015 | 0.02x | Rs464.03 Billion | Rs25.33 Trillion | ▲ +110.0% |
| 2014 | 0.01x | Rs195.77 Billion | Rs22.44 Trillion | ▼ -27.5% |
| 2013 | 0.01x | Rs240.98 Billion | Rs20.04 Trillion | ▲ +168.7% |
| 2012 | -0.02x | Rs-301.14 Billion | Rs17.20 Trillion | ▼ -162.3% |
| 2011 | 0.03x | Rs439.00 Billion | Rs15.61 Trillion | ▲ +2263.9% |
| 2010 | 0.00x | Rs16.23 Billion | Rs13.64 Trillion | ▼ -95.3% |
| 2009 | 0.03x | Rs311.70 Billion | Rs12.30 Trillion | ▲ +680.3% |
| 2008 | 0.00x | Rs-42.09 Billion | Rs9.64 Trillion | ▼ -166.2% |
| 2007 | 0.01x | Rs50.82 Billion | Rs7.71 Trillion | ▼ -21.7% |
| 2006 | 0.01x | Rs55.43 Billion | Rs6.58 Trillion | ▲ +2621.7% |
| 2005 | 0.00x | Rs1.84 Billion | Rs5.95 Trillion | — |