Tamilnad Mercantile Bank Limited (TMB) — Financial Flexibility Index
Tamilnad Mercantile Bank Limited (TMB) has a Financial Flexibility Index of -0.05x as of September 2025. Free cash flow of Rs-32.26 Billion (operating CF Rs-32.68 Billion minus capex Rs415.20 Million) represents 0% of total liabilities (Rs595.98 Billion). Check Tamilnad Mercantile Bank Limited PP&E and investment ratio to assess the company's strategic physical and investment asset allocation.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Tamilnad Mercantile Bank Limited Financial Flexibility Index (2013–2026)
Historical Financial Flexibility Index trend for Tamilnad Mercantile Bank Limited across 14 annual periods. See Tamilnad Mercantile Bank Limited short-term liquidity ratio to evaluate short-term liquidity relative to the company's equity base.
Annual Financial Flexibility Index for Tamilnad Mercantile Bank Limited (2013–2026)
Year-by-year free cash flow to debt coverage for Tamilnad Mercantile Bank Limited. For the full company profile including market capitalisation, see market value of Tamilnad Mercantile Bank Limited.
| Year | Flexibility Index | Free Cash Flow (INR) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2026 | 0.03x | Rs17.35 Billion | Rs16.07 Billion | Rs651.89 Billion | ▼ -23.7% |
| 2025 | 0.03x | Rs20.04 Billion | Rs18.99 Billion | Rs574.41 Billion | ▲ +467.0% |
| 2024 | -0.01x | Rs-5.10 Billion | Rs-6.11 Billion | Rs536.31 Billion | ▲ +59.0% |
| 2023 | -0.02x | Rs-11.80 Billion | Rs-12.70 Billion | Rs509.67 Billion | ▼ -176.8% |
| 2022 | 0.03x | Rs14.32 Billion | Rs13.25 Billion | Rs475.23 Billion | ▲ +304.5% |
| 2021 | -0.01x | Rs-6.33 Billion | Rs-6.70 Billion | Rs429.47 Billion | ▼ -197.2% |
| 2020 | 0.02x | Rs5.88 Billion | Rs5.67 Billion | Rs387.79 Billion | ▲ +95.5% |
| 2019 | 0.01x | Rs2.86 Billion | Rs2.52 Billion | Rs369.15 Billion | ▲ +144.5% |
| 2018 | -0.02x | Rs-6.01 Billion | Rs-6.27 Billion | Rs345.15 Billion | ▲ +99.6% |
| 2017 | -4.64x | Rs-10.30 Billion | Rs-10.69 Billion | Rs2.22 Billion | ▲ +80.1% |
| 2016 | -23.28x | Rs-46.75 Billion | Rs-47.37 Billion | Rs2.01 Billion | ▼ -23832.9% |
| 2015 | -0.10x | Rs-26.41 Billion | Rs-26.86 Billion | Rs271.55 Billion | ▼ -12.0% |
| 2014 | -0.09x | Rs-20.95 Billion | Rs-21.35 Billion | Rs241.29 Billion | ▲ +19.4% |
| 2013 | -0.11x | Rs-23.34 Billion | Rs-23.74 Billion | Rs216.62 Billion | — |