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 IOB strategic assets to equity ratio to assess the company's strategic physical and investment asset allocation.
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. See Indian Overseas Bank current assets vs equity to evaluate short-term liquidity relative to the company's equity base.
Annual Financial Flexibility Index for Indian Overseas Bank (2005–2025)
Year-by-year free cash flow to debt coverage for Indian Overseas Bank. For the full company profile including market capitalisation, see market value of Indian Overseas Bank.
| 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 | — |