Union Bank of India (UNIONBANK) — Cash Flow-to-Debt Ratio
Union Bank of India (UNIONBANK) has a Cash Flow-to-Debt Ratio of 0.02x as of September 2025, meaning its operating cash flow of Rs240.66 Billion could theoretically repay 0% of its total liabilities (Rs13.64 Trillion) in one year. See financial agility of Union Bank of India 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
Union Bank of India Cash Flow-to-Debt Ratio (2005–2026)
Historical debt coverage capacity for Union Bank of India across 22 annual periods. For the full cash flow conversion analysis, see UNIONBANK cash flow conversion.
Annual Cash Flow-to-Debt Ratio for Union Bank of India (2005–2026)
Year-by-year debt coverage analysis for Union Bank of India. Check Union Bank of India earnings quality ratio to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (INR) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2026 | 0.00x | Rs71.99 Billion | Rs14.54 Trillion | ▼ -60.4% |
| 2025 | 0.01x | Rs174.79 Billion | Rs13.97 Trillion | ▼ -47.8% |
| 2024 | 0.02x | Rs312.42 Billion | Rs13.04 Trillion | ▲ +374.0% |
| 2023 | 0.01x | Rs61.11 Billion | Rs12.10 Trillion | ▼ -84.4% |
| 2022 | 0.03x | Rs363.39 Billion | Rs11.23 Trillion | ▲ +195.0% |
| 2021 | -0.03x | Rs-346.80 Billion | Rs10.18 Trillion | ▼ -131.4% |
| 2020 | -0.01x | Rs-76.81 Billion | Rs5.22 Trillion | ▲ +10.7% |
| 2019 | -0.02x | Rs-77.78 Billion | Rs4.72 Trillion | ▼ -226.2% |
| 2018 | 0.01x | Rs60.89 Billion | Rs4.66 Trillion | ▲ +15930.6% |
| 2017 | 0.00x | Rs-356.30 Million | Rs4.32 Trillion | ▼ -100.4% |
| 2016 | 0.02x | Rs82.74 Billion | Rs3.84 Trillion | ▲ +320.9% |
| 2015 | -0.01x | Rs-35.44 Billion | Rs3.64 Trillion | ▼ -227.5% |
| 2014 | 0.01x | Rs25.70 Billion | Rs3.36 Trillion | ▲ +1147.3% |
| 2013 | 0.00x | Rs1.81 Billion | Rs2.95 Trillion | ▲ +104.0% |
| 2012 | -0.02x | Rs-38.24 Billion | Rs2.49 Trillion | ▼ -176.6% |
| 2011 | 0.02x | Rs44.89 Billion | Rs2.24 Trillion | ▲ +834.4% |
| 2010 | 0.00x | Rs-5.05 Billion | Rs1.85 Trillion | ▼ -107.4% |
| 2009 | 0.04x | Rs55.99 Billion | Rs1.52 Trillion | ▲ +122.4% |
| 2008 | 0.02x | Rs19.31 Billion | Rs1.17 Trillion | ▼ -17.6% |
| 2007 | 0.02x | Rs19.56 Billion | Rs974.88 Billion | ▲ +250.8% |
| 2006 | -0.01x | Rs-11.25 Billion | Rs845.68 Billion | ▼ -133.5% |
| 2005 | 0.04x | Rs27.30 Billion | Rs687.99 Billion | — |