Indian Overseas Bank (IOB) — Financial Flexibility Index
Indian Overseas Bank (IOB) has a Financial Flexibility Index of -0.06x as of September 2025. Free cash flow of Rs-238.66 Billion (operating CF Rs-243.43 Billion minus capex Rs4.77 Billion) represents 0% of total liabilities (Rs3.98 Trillion). Check total reinvestment intensity of Indian Overseas Bank to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Indian Overseas Bank Financial Flexibility Index (2005–2025)
Historical Financial Flexibility Index trend for Indian Overseas Bank across 21 annual periods. For the full cash flow conversion analysis, see how efficiently does Indian Overseas Bank generate cash.
Annual Financial Flexibility Index for Indian Overseas Bank (2005–2025)
Year-by-year free cash flow to debt coverage for Indian Overseas Bank. Explore Indian Overseas Bank debt service capacity to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (INR) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | -0.06x | Rs-223.75 Billion | Rs-229.78 Billion | Rs3.62 Trillion | ▼ -2556.1% |
| 2024 | 0.00x | Rs-7.54 Billion | Rs-11.19 Billion | Rs3.24 Trillion | ▲ +95.5% |
| 2023 | -0.05x | Rs-150.01 Billion | Rs-155.84 Billion | Rs2.89 Trillion | ▲ +11.7% |
| 2022 | -0.06x | Rs-162.66 Billion | Rs-163.22 Billion | Rs2.76 Trillion | ▼ -401.5% |
| 2021 | 0.02x | Rs50.17 Billion | Rs49.51 Billion | Rs2.57 Trillion | ▲ +134.3% |
| 2020 | -0.06x | Rs-138.93 Billion | Rs-140.23 Billion | Rs2.45 Trillion | ▼ -21499.7% |
| 2019 | 0.00x | Rs620.24 Million | Rs-7.86 Billion | Rs2.34 Trillion | ▲ +103.7% |
| 2018 | -0.01x | Rs-16.72 Billion | Rs-17.93 Billion | Rs2.35 Trillion | ▼ -449.8% |
| 2017 | 0.00x | Rs-3.63 Billion | Rs-5.05 Billion | Rs2.80 Trillion | ▼ -11.6% |
| 2016 | 0.00x | Rs-3.00 Billion | Rs-15.52 Billion | Rs2.59 Trillion | ▼ -105.1% |
| 2015 | 0.02x | Rs61.07 Billion | Rs59.41 Billion | Rs2.70 Trillion | ▲ +67.2% |
| 2014 | 0.01x | Rs35.00 Billion | Rs32.78 Billion | Rs2.59 Trillion | ▲ +936.9% |
| 2013 | 0.00x | Rs-3.74 Billion | Rs-6.07 Billion | Rs2.31 Trillion | ▼ -108.6% |
| 2012 | 0.02x | Rs39.12 Billion | Rs36.93 Billion | Rs2.08 Trillion | ▲ +3709.5% |
| 2011 | 0.00x | Rs837.77 Million | Rs-270.77 Million | Rs1.69 Trillion | ▲ +105.8% |
| 2010 | -0.01x | Rs-10.57 Billion | Rs-12.10 Billion | Rs1.24 Trillion | ▼ -305.1% |
| 2009 | 0.00x | Rs4.75 Billion | Rs2.43 Billion | Rs1.14 Trillion | ▼ -81.8% |
| 2008 | 0.02x | Rs22.18 Billion | Rs20.86 Billion | Rs969.72 Billion | ▼ -61.8% |
| 2007 | 0.06x | Rs46.89 Billion | Rs45.16 Billion | Rs782.66 Billion | ▲ +279.5% |
| 2006 | -0.03x | Rs-18.75 Billion | Rs-19.55 Billion | Rs561.80 Billion | ▼ -445.2% |
| 2005 | -0.01x | Rs-2.95 Billion | Rs-4.00 Billion | Rs482.40 Billion | — |