Punjab & Sind Bank Financial Flexibility Index
Punjab & Sind Bank financial flexibility index. Punjab & Sind Bank (PSB) has a Financial Flexibility Index of -0.05x as of September 2025. Free cash flow of Rs-83.27 Billion (operating CF Rs-83.95 Billion minus capex Rs677.50 Million) represents 0% of total liabilities (Rs1.52 Trillion). See Punjab & Sind Bank (PSB) free cash flow 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 & Sind Bank (2006–2026)
Financial flexibility index of Punjab & Sind Bank from 2006 to 2026. Historical Financial Flexibility Index trend for Punjab & Sind Bank across 21 annual periods. Check how high is Punjab & Sind Bank's earnings quality to evaluate the quality of earnings relative to operating cash generation.
Punjab & Sind Bank Financial Flexibility Index by Year (2006–2026)
Punjab & Sind Bank financial flexibility index by year from 2006 to 2026. Year-by-year free cash flow to debt coverage for Punjab & Sind Bank. For the full cash flow conversion analysis, see cash efficiency ratio of Punjab & Sind Bank.
| Year | Flexibility Index | Free Cash Flow (INR) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2026 | 0.02x | Rs38.27 Billion | Rs35.86 Billion | Rs1.65 Trillion | ▲ +1838.9% |
| 2025 | 0.00x | Rs-1.98 Billion | Rs-3.65 Billion | Rs1.48 Trillion | ▲ +97.7% |
| 2024 | -0.06x | Rs-77.66 Billion | Rs-79.95 Billion | Rs1.32 Trillion | ▼ -104.7% |
| 2023 | 1.25x | Rs1.52 Trillion | Rs1.43 Trillion | Rs1.21 Trillion | ▲ +2379.5% |
| 2022 | -0.05x | Rs-58.78 Billion | Rs-59.99 Billion | Rs1.07 Trillion | ▼ -3.8% |
| 2021 | -0.05x | Rs-54.01 Billion | Rs-58.48 Billion | Rs1.02 Trillion | ▼ -320.7% |
| 2020 | 0.02x | Rs22.74 Billion | Rs22.10 Billion | Rs949.07 Billion | ▲ +9451.2% |
| 2019 | 0.00x | Rs-264.66 Million | Rs-973.36 Million | Rs1.03 Trillion | ▼ -102.5% |
| 2018 | 0.01x | Rs11.15 Billion | Rs10.63 Billion | Rs1.08 Trillion | ▲ +291.8% |
| 2017 | -0.01x | Rs-4.89 Billion | Rs-5.09 Billion | Rs905.01 Billion | ▼ -154.0% |
| 2016 | 0.01x | Rs9.67 Billion | Rs9.30 Billion | Rs966.11 Billion | ▲ +148.6% |
| 2015 | -0.02x | Rs-18.97 Billion | Rs-19.82 Billion | Rs921.57 Billion | ▼ -172.9% |
| 2014 | 0.03x | Rs25.27 Billion | Rs24.69 Billion | Rs894.98 Billion | ▲ +3282.0% |
| 2013 | 0.00x | Rs633.38 Million | Rs-220.97 Million | Rs758.74 Billion | ▲ +109.3% |
| 2012 | -0.01x | Rs-6.17 Billion | Rs-6.53 Billion | Rs686.56 Billion | ▼ -871.4% |
| 2011 | 0.00x | Rs-598.96 Million | Rs-847.21 Million | Rs647.47 Billion | ▼ -102.9% |
| 2010 | 0.03x | Rs17.09 Billion | Rs16.95 Billion | Rs540.49 Billion | ▲ +446.1% |
| 2009 | -0.01x | Rs-3.58 Billion | Rs-3.80 Billion | Rs392.23 Billion | ▼ -176.0% |
| 2008 | 0.01x | Rs3.47 Billion | Rs3.35 Billion | Rs288.56 Billion | ▼ -47.9% |
| 2007 | 0.02x | Rs4.74 Billion | Rs4.65 Billion | Rs205.57 Billion | ▲ +8500.0% |
| 2006 | 0.00x | Rs-48.90 Million | Rs-107.90 Million | Rs178.10 Billion | — |