State Bank of India Cash Flow-to-Debt Ratio
State Bank of India 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. Check cash flow quality index of State Bank of India to evaluate the quality of earnings relative to operating cash generation.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Cash Flow-to-Debt Ratio of State Bank of India (2005–2025)
Cash flow-to-debt ratio of State Bank of India from 2005 to 2025. Historical debt coverage capacity for State Bank of India across 21 annual periods. Check cash flow reinvestment rate of State Bank of India to assess the company's total reinvestment commitment from operating cash flow.
State Bank of India Cash Flow-to-Debt Ratio by Year (2005–2025)
State Bank of India cash flow-to-debt ratio by year from 2005 to 2025. Year-by-year debt coverage analysis for State Bank of India. For the full cash flow conversion analysis, see SBIN cash generation efficiency.
| 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 | — |