Indian Overseas Bank Financial Flexibility Index
Indian Overseas Bank 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). See Indian Overseas Bank free cash flow ratio 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 Indian Overseas Bank (2005–2025)
Financial flexibility index of Indian Overseas Bank from 2005 to 2025. Historical Financial Flexibility Index trend for Indian Overseas Bank across 21 annual periods. Check how high is Indian Overseas Bank's earnings quality to evaluate the quality of earnings relative to operating cash generation.
Indian Overseas Bank Financial Flexibility Index by Year (2005–2025)
Indian Overseas Bank financial flexibility index by year from 2005 to 2025. Year-by-year free cash flow to debt coverage for Indian Overseas Bank. For the full cash flow conversion analysis, see IOB cash flow conversion.
| 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 | — |