Punjab National Bank (PNB) — Financial Flexibility Index
Punjab National Bank (PNB) has a Financial Flexibility Index of -0.03x as of September 2025. Free cash flow of Rs-465.21 Billion (operating CF Rs-471.88 Billion minus capex Rs6.66 Billion) represents 0% of total liabilities (Rs17.78 Trillion). Check PNB cash flow reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Punjab National Bank Financial Flexibility Index (2005–2026)
Historical Financial Flexibility Index trend for Punjab National Bank across 22 annual periods. For the full cash flow conversion analysis, see PNB operating cash flow.
Annual Financial Flexibility Index for Punjab National Bank (2005–2026)
Year-by-year free cash flow to debt coverage for Punjab National Bank. Explore Punjab National Bank cash debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (INR) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2026 | 0.01x | Rs268.71 Billion | Rs252.47 Billion | Rs18.83 Trillion | ▲ +3.9% |
| 2025 | 0.01x | Rs236.77 Billion | Rs220.75 Billion | Rs17.24 Trillion | ▲ +176.3% |
| 2024 | -0.02x | Rs-267.96 Billion | Rs-279.39 Billion | Rs14.88 Trillion | ▼ -208.2% |
| 2023 | 0.02x | Rs231.44 Billion | Rs225.92 Billion | Rs13.90 Trillion | ▲ +203.6% |
| 2022 | -0.02x | Rs-199.49 Billion | Rs-204.85 Billion | Rs12.41 Trillion | ▼ -1041.2% |
| 2021 | 0.00x | Rs20.26 Billion | Rs12.40 Billion | Rs11.87 Trillion | ▲ +112.1% |
| 2020 | -0.01x | Rs-111.55 Billion | Rs-127.44 Billion | Rs7.87 Trillion | ▲ +68.7% |
| 2019 | -0.05x | Rs-337.16 Billion | Rs-341.58 Billion | Rs7.44 Trillion | ▼ -6579.0% |
| 2018 | 0.00x | Rs5.15 Billion | Rs-1.40 Billion | Rs7.36 Trillion | ▼ -97.8% |
| 2017 | 0.03x | Rs224.34 Billion | Rs219.38 Billion | Rs6.89 Trillion | ▲ +47.7% |
| 2016 | 0.02x | Rs147.73 Billion | Rs141.67 Billion | Rs6.70 Trillion | ▲ +144.0% |
| 2015 | 0.01x | Rs53.60 Billion | Rs48.14 Billion | Rs5.93 Trillion | ▼ -72.1% |
| 2014 | 0.03x | Rs173.36 Billion | Rs169.06 Billion | Rs5.36 Trillion | ▲ +11260.3% |
| 2013 | 0.00x | Rs-1.34 Billion | Rs-6.92 Billion | Rs4.62 Trillion | ▼ -135.5% |
| 2012 | 0.00x | Rs3.60 Billion | Rs-250.80 Million | Rs4.41 Trillion | ▼ -96.4% |
| 2011 | 0.02x | Rs82.57 Billion | Rs73.61 Billion | Rs3.63 Trillion | ▲ +202.3% |
| 2010 | 0.01x | Rs21.40 Billion | Rs17.74 Billion | Rs2.85 Trillion | ▼ -29.1% |
| 2009 | 0.01x | Rs25.21 Billion | Rs22.22 Billion | Rs2.38 Trillion | ▼ -10.5% |
| 2008 | 0.01x | Rs22.56 Billion | Rs20.40 Billion | Rs1.91 Trillion | ▲ +118.1% |
| 2007 | -0.07x | Rs-101.19 Billion | Rs-101.19 Billion | Rs1.55 Trillion | ▼ -159.2% |
| 2006 | 0.11x | Rs152.52 Billion | Rs150.33 Billion | Rs1.38 Trillion | ▲ +862.5% |
| 2005 | 0.01x | Rs13.69 Billion | Rs12.31 Billion | Rs1.19 Trillion | — |