City Union Bank Limited Financial Flexibility Index
City Union Bank Limited 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). See CUB FCF generation index to measure how efficiently the company converts operating cash flow to free cash.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of City Union Bank Limited (2005–2026)
Financial flexibility index of City Union Bank Limited from 2005 to 2026. Historical Financial Flexibility Index trend for City Union Bank Limited across 22 annual periods. Check CUB cash flow quality score to evaluate the quality of earnings relative to operating cash generation.
City Union Bank Limited Financial Flexibility Index by Year (2005–2026)
City Union Bank Limited financial flexibility index by year from 2005 to 2026. Year-by-year free cash flow to debt coverage for City Union Bank Limited. For the full cash flow conversion analysis, see cash efficiency ratio of City Union Bank Limited.
| 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 | — |