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 Punjab National Bank strategic capital allocation to assess the company's strategic physical and investment asset allocation.
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. See how liquid is Punjab National Bank's working capital to evaluate short-term liquidity relative to the company's equity base.
Annual Financial Flexibility Index for Punjab National Bank (2005–2026)
Year-by-year free cash flow to debt coverage for Punjab National Bank. For the full company profile including market capitalisation, see PNB market cap overview.
| 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 | — |