Punjab & Sind Bank (PSB) — 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). Check total reinvestment intensity of Punjab & Sind Bank to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Punjab & Sind Bank Financial Flexibility Index (2006–2026)
Historical Financial Flexibility Index trend for Punjab & Sind Bank across 21 annual periods. For the full cash flow conversion analysis, see Punjab & Sind Bank cash conversion from operations.
Annual Financial Flexibility Index for Punjab & Sind Bank (2006–2026)
Year-by-year free cash flow to debt coverage for Punjab & Sind Bank. Explore PSB operating cash to total liabilities to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (INR) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2026 | 0.02x | 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 | — |