State Bank of India Financial Flexibility Index
State Bank of India financial flexibility index. State Bank of India (SBIN) has a Financial Flexibility Index of -0.02x as of September 2025. Free cash flow of Rs-1.59 Trillion (operating CF Rs-1.62 Trillion minus capex Rs30.55 Billion) represents 0% of total liabilities (Rs70.84 Trillion). See SBIN free cash flow generation 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 State Bank of India (2005–2025)
Financial flexibility index of State Bank of India from 2005 to 2025. Historical Financial Flexibility Index trend for State Bank of India across 21 annual periods. Check cash flow quality index of State Bank of India to evaluate the quality of earnings relative to operating cash generation.
State Bank of India Financial Flexibility Index by Year (2005–2025)
State Bank of India financial flexibility index by year from 2005 to 2025. Year-by-year free cash flow to debt coverage for State Bank of India. For the full cash flow conversion analysis, see SBIN cash generation efficiency.
| Year | Flexibility Index | Free Cash Flow (INR) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.01x | Rs541.24 Billion | Rs484.86 Billion | Rs68.09 Trillion | ▲ +94.1% |
| 2024 | 0.00x | Rs258.08 Billion | Rs216.32 Billion | Rs63.03 Trillion | ▲ +128.1% |
| 2023 | -0.01x | Rs-813.43 Billion | Rs-860.14 Billion | Rs55.83 Trillion | ▼ -220.5% |
| 2022 | 0.01x | Rs610.00 Billion | Rs576.95 Billion | Rs50.44 Trillion | ▼ -41.2% |
| 2021 | 0.02x | Rs938.29 Billion | Rs899.19 Billion | Rs45.60 Trillion | ▲ +200.2% |
| 2020 | 0.01x | Rs269.94 Billion | Rs239.29 Billion | Rs39.38 Trillion | ▼ -23.2% |
| 2019 | 0.01x | Rs325.62 Billion | Rs295.56 Billion | Rs36.48 Trillion | ▲ +131.5% |
| 2018 | -0.03x | Rs-957.17 Billion | Rs-965.08 Billion | Rs33.82 Trillion | ▼ -211.4% |
| 2017 | 0.03x | Rs818.30 Billion | Rs774.06 Billion | Rs32.21 Trillion | ▲ +310.7% |
| 2016 | 0.01x | Rs178.52 Billion | Rs140.77 Billion | Rs28.87 Trillion | ▼ -68.6% |
| 2015 | 0.02x | Rs498.55 Billion | Rs464.03 Billion | Rs25.33 Trillion | ▲ +92.2% |
| 2014 | 0.01x | Rs229.75 Billion | Rs195.77 Billion | Rs22.44 Trillion | ▼ -25.9% |
| 2013 | 0.01x | Rs276.69 Billion | Rs240.98 Billion | Rs20.04 Trillion | ▲ +185.5% |
| 2012 | -0.02x | Rs-277.74 Billion | Rs-301.14 Billion | Rs17.20 Trillion | ▼ -155.1% |
| 2011 | 0.03x | Rs457.74 Billion | Rs439.00 Billion | Rs15.61 Trillion | ▲ +968.1% |
| 2010 | 0.00x | Rs37.45 Billion | Rs16.23 Billion | Rs13.64 Trillion | ▼ -89.7% |
| 2009 | 0.03x | Rs326.59 Billion | Rs311.70 Billion | Rs12.30 Trillion | ▲ +1116.2% |
| 2008 | 0.00x | Rs-25.18 Billion | Rs-42.09 Billion | Rs9.64 Trillion | ▼ -133.2% |
| 2007 | 0.01x | Rs60.62 Billion | Rs50.82 Billion | Rs7.71 Trillion | ▼ -26.7% |
| 2006 | 0.01x | Rs70.60 Billion | Rs55.43 Billion | Rs6.58 Trillion | ▲ +373.5% |
| 2005 | 0.00x | Rs13.47 Billion | Rs1.84 Billion | Rs5.95 Trillion | — |