City Union Bank Limited (CUB) — Financial Flexibility Index
City Union Bank Limited (CUB) has a Financial Flexibility Index of -0.05x as of September 2025. Free cash flow of Rs-38.82 Billion (operating CF Rs-40.39 Billion minus capex Rs1.56 Billion) represents 0% of total liabilities (Rs744.76 Billion). Check how aggressively does City Union Bank Limited reinvest cash to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
City Union Bank Limited Financial Flexibility Index (2005–2026)
Historical Financial Flexibility Index trend for City Union Bank Limited across 22 annual periods. For the full cash flow conversion analysis, see CUB cash generation efficiency.
Annual Financial Flexibility Index for City Union Bank Limited (2005–2026)
Year-by-year free cash flow to debt coverage for City Union Bank Limited. Explore how well can City Union Bank Limited service its debt to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (INR) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2026 | 0.02x | Rs19.75 Billion | Rs16.22 Billion | Rs864.60 Billion | ▲ +123.8% |
| 2025 | -0.10x | Rs-65.43 Billion | Rs-67.41 Billion | Rs681.57 Billion | ▼ -520.6% |
| 2024 | 0.02x | Rs14.25 Billion | Rs12.57 Billion | Rs624.24 Billion | ▲ +577.0% |
| 2023 | 0.00x | Rs1.99 Billion | Rs1.00 Billion | Rs591.37 Billion | ▼ -85.1% |
| 2022 | 0.02x | Rs12.43 Billion | Rs11.66 Billion | Rs549.45 Billion | ▲ +7.6% |
| 2021 | 0.02x | Rs9.98 Billion | Rs9.22 Billion | Rs474.69 Billion | ▼ -51.1% |
| 2020 | 0.04x | Rs19.11 Billion | Rs18.36 Billion | Rs444.37 Billion | ▲ +257.4% |
| 2019 | 0.01x | Rs4.86 Billion | Rs3.97 Billion | Rs404.18 Billion | ▲ +453.6% |
| 2018 | 0.00x | Rs-1.22 Billion | Rs-1.83 Billion | Rs357.74 Billion | ▼ -132.3% |
| 2017 | 0.01x | Rs3.34 Billion | Rs2.84 Billion | Rs317.01 Billion | ▲ +14.9% |
| 2016 | 0.01x | Rs2.59 Billion | Rs1.98 Billion | Rs282.00 Billion | ▲ +18.3% |
| 2015 | 0.01x | Rs1.95 Billion | Rs1.31 Billion | Rs251.76 Billion | ▼ -64.8% |
| 2014 | 0.02x | Rs5.07 Billion | Rs4.12 Billion | Rs229.69 Billion | ▼ -31.7% |
| 2013 | 0.03x | Rs6.90 Billion | Rs6.18 Billion | Rs213.36 Billion | ▲ +2147.4% |
| 2012 | 0.00x | Rs-270.03 Million | Rs-713.79 Million | Rs171.08 Billion | ▼ -108.2% |
| 2011 | 0.02x | Rs2.60 Billion | Rs2.37 Billion | Rs135.85 Billion | ▼ -23.5% |
| 2010 | 0.03x | Rs2.69 Billion | Rs2.31 Billion | Rs107.34 Billion | ▲ +102.1% |
| 2009 | 0.01x | Rs1.06 Billion | Rs920.35 Million | Rs85.90 Billion | ▼ -67.6% |
| 2008 | 0.04x | Rs2.59 Billion | Rs2.40 Billion | Rs67.82 Billion | ▼ -19.4% |
| 2007 | 0.05x | Rs2.37 Billion | Rs2.22 Billion | Rs49.97 Billion | ▲ +116.2% |
| 2006 | 0.02x | Rs841.75 Million | Rs591.39 Million | Rs38.41 Billion | ▲ +192.1% |
| 2005 | 0.01x | Rs244.22 Million | Rs139.18 Million | Rs32.55 Billion | — |