Challenger Ltd (CGF) — Financial Flexibility Index
Challenger Ltd (CGF) has a Financial Flexibility Index of 0.03x as of December 2025. Free cash flow of AU$1.05 Billion (operating CF AU$1.05 Billion minus capex AU$0.00) represents 0% of total liabilities (AU$31.26 Billion). Check asset allocation strategy of Challenger Ltd to assess the company's strategic physical and investment asset allocation.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Challenger Ltd Financial Flexibility Index (2003–2025)
Historical Financial Flexibility Index trend for Challenger Ltd across 20 annual periods. See working capital position of Challenger Ltd to evaluate short-term liquidity relative to the company's equity base.
Annual Financial Flexibility Index for Challenger Ltd (2003–2025)
Year-by-year free cash flow to debt coverage for Challenger Ltd. For the full company profile including market capitalisation, see market value of Challenger Ltd.
| Year | Flexibility Index | Free Cash Flow (AUD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.01x | AU$399.80 Million | AU$399.60 Million | AU$31.09 Billion | ▼ -55.1% |
| 2024 | 0.03x | AU$845.60 Million | AU$843.70 Million | AU$29.52 Billion | ▼ -40.1% |
| 2023 | 0.05x | AU$1.28 Billion | AU$1.27 Billion | AU$26.81 Billion | ▼ -50.6% |
| 2022 | 0.10x | AU$2.49 Billion | AU$2.49 Billion | AU$25.75 Billion | ▼ -2.3% |
| 2021 | 0.10x | AU$2.59 Billion | AU$2.58 Billion | AU$26.17 Billion | ▲ +407.1% |
| 2020 | 0.02x | AU$494.20 Million | AU$484.90 Million | AU$25.33 Billion | ▼ -92.5% |
| 2019 | 0.26x | AU$712.20 Million | AU$652.30 Million | AU$2.73 Billion | ▼ -64.1% |
| 2018 | 0.73x | AU$2.05 Billion | AU$1.98 Billion | AU$2.82 Billion | ▲ +35.9% |
| 2017 | 0.53x | AU$1.62 Billion | AU$1.60 Billion | AU$3.03 Billion | ▲ +29.5% |
| 2016 | 0.41x | AU$1.30 Billion | AU$1.28 Billion | AU$3.16 Billion | ▲ +103.2% |
| 2015 | 0.20x | AU$821.00 Million | AU$815.90 Million | AU$4.04 Billion | ▲ +1873.2% |
| 2014 | 0.01x | AU$154.80 Million | AU$147.40 Million | AU$15.05 Billion | ▼ -80.2% |
| 2013 | 0.05x | AU$806.40 Million | AU$789.10 Million | AU$15.49 Billion | ▼ -35.0% |
| 2012 | 0.08x | AU$1.26 Billion | AU$1.21 Billion | AU$15.73 Billion | ▲ +2.2% |
| 2011 | 0.08x | AU$1.26 Billion | AU$1.22 Billion | AU$16.04 Billion | ▲ +425.2% |
| 2010 | 0.01x | AU$248.50 Million | AU$229.10 Million | AU$16.66 Billion | ▲ +262.8% |
| 2009 | -0.01x | AU$-215.80 Million | AU$-219.00 Million | AU$23.55 Billion | ▼ -102.2% |
| 2008 | 0.42x | AU$10.91 Billion | AU$172.30 Million | AU$25.73 Billion | ▲ +440.4% |
| 2005 | 0.08x | AU$258.98 Million | AU$244.24 Million | AU$3.30 Billion | ▲ +22818.7% |
| 2003 | 0.00x | AU$1.43 Million | AU$1.43 Million | AU$4.16 Billion | — |