Union Bank of India (UNIONBANK) — Financial Flexibility Index
Union Bank of India (UNIONBANK) has a Financial Flexibility Index of 0.02x as of September 2025. Free cash flow of Rs249.09 Billion (operating CF Rs240.66 Billion minus capex Rs8.42 Billion) represents 0% of total liabilities (Rs13.64 Trillion). Check UNIONBANK cash reinvestment to operating cash ratio to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Union Bank of India Financial Flexibility Index (2005–2026)
Historical Financial Flexibility Index trend for Union Bank of India across 22 annual periods. For the full cash flow conversion analysis, see UNIONBANK cash flow conversion.
Annual Financial Flexibility Index for Union Bank of India (2005–2026)
Year-by-year free cash flow to debt coverage for Union Bank of India. Explore UNIONBANK debt coverage from operations to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (INR) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2026 | 0.01x | Rs104.23 Billion | Rs71.99 Billion | Rs14.54 Trillion | ▼ -47.7% |
| 2025 | 0.01x | Rs191.49 Billion | Rs174.79 Billion | Rs13.97 Trillion | ▼ -45.7% |
| 2024 | 0.03x | Rs328.91 Billion | Rs312.42 Billion | Rs13.04 Trillion | ▲ +232.3% |
| 2023 | 0.01x | Rs91.77 Billion | Rs61.11 Billion | Rs12.10 Trillion | ▼ -77.0% |
| 2022 | 0.03x | Rs370.88 Billion | Rs363.39 Billion | Rs11.23 Trillion | ▲ +199.0% |
| 2021 | -0.03x | Rs-339.61 Billion | Rs-346.80 Billion | Rs10.18 Trillion | ▼ -138.8% |
| 2020 | -0.01x | Rs-72.87 Billion | Rs-76.81 Billion | Rs5.22 Trillion | ▲ +11.7% |
| 2019 | -0.02x | Rs-74.63 Billion | Rs-77.78 Billion | Rs4.72 Trillion | ▼ -214.8% |
| 2018 | 0.01x | Rs64.20 Billion | Rs60.89 Billion | Rs4.66 Trillion | ▲ +2274.7% |
| 2017 | 0.00x | Rs2.50 Billion | Rs-356.30 Million | Rs4.32 Trillion | ▼ -97.7% |
| 2016 | 0.03x | Rs98.62 Billion | Rs82.74 Billion | Rs3.84 Trillion | ▲ +391.8% |
| 2015 | -0.01x | Rs-31.98 Billion | Rs-35.44 Billion | Rs3.64 Trillion | ▼ -200.2% |
| 2014 | 0.01x | Rs29.50 Billion | Rs25.70 Billion | Rs3.36 Trillion | ▲ +367.7% |
| 2013 | 0.00x | Rs5.54 Billion | Rs1.81 Billion | Rs2.95 Trillion | ▲ +113.2% |
| 2012 | -0.01x | Rs-35.43 Billion | Rs-38.24 Billion | Rs2.49 Trillion | ▼ -167.7% |
| 2011 | 0.02x | Rs47.04 Billion | Rs44.89 Billion | Rs2.24 Trillion | ▲ +1398.3% |
| 2010 | 0.00x | Rs-2.99 Billion | Rs-5.05 Billion | Rs1.85 Trillion | ▼ -104.1% |
| 2009 | 0.04x | Rs59.96 Billion | Rs55.99 Billion | Rs1.52 Trillion | ▲ +113.9% |
| 2008 | 0.02x | Rs21.50 Billion | Rs19.31 Billion | Rs1.17 Trillion | ▼ -14.5% |
| 2007 | 0.02x | Rs20.99 Billion | Rs19.56 Billion | Rs974.88 Billion | ▲ +275.3% |
| 2006 | -0.01x | Rs-10.39 Billion | Rs-11.25 Billion | Rs845.68 Billion | ▼ -129.5% |
| 2005 | 0.04x | Rs28.64 Billion | Rs27.30 Billion | Rs687.99 Billion | — |