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 total reinvestment intensity to assess the company's total reinvestment commitment from operating cash flow.
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. For the full cash flow conversion analysis, see TMB cash generation efficiency.
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. Explore TMB 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 | 0.03x | 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 | — |