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 PP&E to net assets ratio to assess the company's strategic physical and investment asset allocation.
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. See Union Bank of India current assets vs equity to evaluate short-term liquidity relative to the company's equity base.
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. For the full company profile including market capitalisation, see Union Bank of India market capitalisation.
| 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 | — |