National Australia Bank Ltd (NAB) — Financial Flexibility Index
National Australia Bank Ltd (NAB) has a Financial Flexibility Index of 0.01x as of September 2025. Free cash flow of AU$11.37 Billion (operating CF AU$10.51 Billion minus capex AU$866.00 Million) represents 0% of total liabilities (AU$1.05 Trillion). Check NAB cash flow reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
National Australia Bank Ltd Financial Flexibility Index (1989–2025)
Historical Financial Flexibility Index trend for National Australia Bank Ltd across 37 annual periods. For the full cash flow conversion analysis, see NAB cash flow conversion.
Annual Financial Flexibility Index for National Australia Bank Ltd (1989–2025)
Year-by-year free cash flow to debt coverage for National Australia Bank Ltd. Explore National Australia Bank Ltd (NAB) debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (AUD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.01x | AU$9.92 Billion | AU$8.51 Billion | AU$1.05 Trillion | ▲ +128.1% |
| 2024 | -0.03x | AU$-34.34 Billion | AU$-35.78 Billion | AU$1.02 Trillion | ▼ -31.9% |
| 2023 | -0.03x | AU$-25.51 Billion | AU$-26.70 Billion | AU$997.69 Billion | ▼ -186.9% |
| 2022 | 0.03x | AU$29.30 Billion | AU$28.22 Billion | AU$996.22 Billion | ▲ +1470.3% |
| 2021 | 0.00x | AU$1.62 Billion | AU$759.00 Million | AU$863.41 Billion | ▼ -95.7% |
| 2020 | 0.04x | AU$34.86 Billion | AU$33.89 Billion | AU$805.57 Billion | ▲ +824.2% |
| 2019 | -0.01x | AU$-4.73 Billion | AU$-5.87 Billion | AU$791.52 Billion | ▲ +28.5% |
| 2018 | -0.01x | AU$-6.30 Billion | AU$-7.35 Billion | AU$753.80 Billion | ▲ +78.9% |
| 2017 | -0.04x | AU$-29.18 Billion | AU$-30.21 Billion | AU$737.01 Billion | ▼ -27.2% |
| 2016 | -0.03x | AU$-22.59 Billion | AU$-23.46 Billion | AU$725.39 Billion | ▼ -186.2% |
| 2015 | -0.01x | AU$-9.79 Billion | AU$-10.76 Billion | AU$899.54 Billion | ▲ +68.7% |
| 2014 | -0.03x | AU$-29.02 Billion | AU$-30.26 Billion | AU$835.39 Billion | ▼ -1206.9% |
| 2013 | 0.00x | AU$2.40 Billion | AU$1.16 Billion | AU$763.49 Billion | ▲ +109.9% |
| 2012 | -0.03x | AU$-22.80 Billion | AU$-23.74 Billion | AU$717.69 Billion | ▼ -320.9% |
| 2011 | 0.01x | AU$10.23 Billion | AU$9.16 Billion | AU$711.57 Billion | ▲ +39.7% |
| 2010 | 0.01x | AU$6.66 Billion | AU$5.87 Billion | AU$647.00 Billion | ▼ -53.5% |
| 2009 | 0.02x | AU$13.65 Billion | AU$12.70 Billion | AU$616.28 Billion | ▲ +37.3% |
| 2008 | 0.02x | AU$10.07 Billion | AU$9.20 Billion | AU$623.95 Billion | ▲ +164.4% |
| 2007 | -0.03x | AU$-13.39 Billion | AU$-14.18 Billion | AU$534.75 Billion | ▼ -27.9% |
| 2006 | -0.02x | AU$-8.94 Billion | AU$-10.24 Billion | AU$456.81 Billion | ▼ -127.1% |
| 2005 | 0.07x | AU$27.80 Billion | AU$13.95 Billion | AU$385.31 Billion | ▲ +222.8% |
| 2004 | 0.02x | AU$8.53 Billion | AU$6.32 Billion | AU$381.54 Billion | ▲ +15511.1% |
| 2003 | 0.00x | AU$53.00 Million | AU$-481.00 Million | AU$370.26 Billion | ▼ -99.4% |
| 2002 | 0.02x | AU$8.11 Billion | AU$7.24 Billion | AU$354.14 Billion | ▲ +32.5% |
| 2001 | 0.02x | AU$6.07 Billion | AU$2.67 Billion | AU$351.16 Billion | ▼ -68.4% |
| 2000 | 0.05x | AU$14.54 Billion | AU$2.28 Billion | AU$265.79 Billion | ▲ +224.6% |
| 1999 | 0.02x | AU$3.97 Billion | AU$3.54 Billion | AU$235.56 Billion | ▲ +255.8% |
| 1998 | 0.00x | AU$1.12 Billion | AU$519.00 Million | AU$235.95 Billion | ▼ -72.1% |
| 1997 | 0.02x | AU$3.22 Billion | AU$2.19 Billion | AU$189.39 Billion | ▼ -20.8% |
| 1996 | 0.02x | AU$3.46 Billion | AU$2.58 Billion | AU$161.19 Billion | ▲ +26.3% |
| 1995 | 0.02x | AU$1.80 Billion | AU$1.50 Billion | AU$106.06 Billion | ▼ -58.9% |
| 1994 | 0.04x | AU$3.80 Billion | AU$3.54 Billion | AU$91.89 Billion | ▲ +4.9% |
| 1993 | 0.04x | AU$3.42 Billion | AU$3.25 Billion | AU$86.81 Billion | ▲ +16.3% |
| 1992 | 0.03x | AU$2.58 Billion | AU$2.37 Billion | AU$76.14 Billion | ▲ +13.9% |
| 1991 | 0.03x | AU$2.02 Billion | AU$1.78 Billion | AU$67.66 Billion | ▲ +114.2% |
| 1990 | 0.01x | AU$940.80 Million | AU$940.80 Million | AU$67.65 Billion | ▼ -16.8% |
| 1989 | 0.02x | AU$885.00 Million | AU$885.00 Million | AU$52.98 Billion | — |