Punjab National Bank Financial Flexibility Index
Punjab National Bank 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). See PNB cash flow after capex 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 Punjab National Bank (2005–2026)
Financial flexibility index of Punjab National Bank from 2005 to 2026. Historical Financial Flexibility Index trend for Punjab National Bank across 22 annual periods. Check PNB cash to earnings ratio to evaluate the quality of earnings relative to operating cash generation.
Punjab National Bank Financial Flexibility Index by Year (2005–2026)
Punjab National Bank financial flexibility index by year from 2005 to 2026. Year-by-year free cash flow to debt coverage for Punjab National Bank. For the full cash flow conversion analysis, see Punjab National Bank cash flow conversion.
| 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 | — |