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 SBIN financial 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
State Bank of India Cash Flow-to-Debt Ratio (2005–2025)
Historical debt coverage capacity for State Bank of India across 21 annual periods. For the full cash flow conversion analysis, see State Bank of India (SBIN) cash flow conversion.
Annual Cash Flow-to-Debt Ratio for State Bank of India (2005–2025)
Year-by-year debt coverage analysis for State Bank of India. Check how high is State Bank of India's earnings quality to evaluate the quality of earnings relative to operating cash generation.
| 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 | — |