State Bank of India (SBIN) — 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). Check SBIN cash flow reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
State Bank of India Financial Flexibility Index (2005–2025)
Historical Financial Flexibility Index trend for State Bank of India across 21 annual periods. For the full cash flow conversion analysis, see how efficiently does State Bank of India generate cash.
Annual Financial Flexibility Index for State Bank of India (2005–2025)
Year-by-year free cash flow to debt coverage for State Bank of India. Explore SBIN operating cash flow to total debt to assess how comfortably operating cash covers total debt obligations.
| 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 | — |