Bajaj Finance Limited (BAJFINANCE) — Cash Flow Quality Index

Latest as of September 2025: -3.09x

Bajaj Finance Limited (BAJFINANCE) has a Cash Flow Quality Index of -3.09x as of September 2025. Operating cash flow of Rs-295.85 Billion is below net income of Rs95.75 Billion, suggesting accrual-heavy earnings not yet converted to cash. Explore Bajaj Finance Limited operating cash flow efficiency to assess how effectively this company generates cash.

Cash Flow Quality Index

-3.09x
Operating CF / Net Income

Operating Cash Flow

Rs-295.85 Billion
INR

Net Income

Rs95.75 Billion
INR

Data as of

Sep 2025
Most recent filing

Bajaj Finance Limited Cash Flow Quality Index (2005–2026)

Historical Cash Flow Quality Index for Bajaj Finance Limited across 22 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check BAJFINANCE capex plus investments ratio to assess the company's total reinvestment commitment from operating cash flow.

Annual Cash Flow Quality Index for Bajaj Finance Limited (2005–2026)

Year-by-year earnings quality comparison for Bajaj Finance Limited. For live market cap and the full company financial profile, see how much is Bajaj Finance Limited worth.

Year Quality Index Operating CF (INR) Net Income YoY Change
2026 1.89x Rs359.17 Billion Rs190.17 Billion ▲ +146.1%
2025 -4.10x Rs-681.54 Billion Rs166.38 Billion ▼ -396.1%
2024 1.38x Rs199.92 Billion Rs144.51 Billion ▲ +151.0%
2023 -2.71x Rs-421.40 Billion Rs155.28 Billion ▲ +30.3%
2022 -3.90x Rs-370.29 Billion Rs95.04 Billion ▼ -2550.2%
2021 -0.15x Rs-8.81 Billion Rs59.92 Billion ▲ +95.6%
2020 -3.34x Rs-244.26 Billion Rs73.22 Billion ▲ +29.3%
2019 -4.72x Rs-291.47 Billion Rs61.79 Billion ▲ +5.6%
2018 -5.00x Rs-204.61 Billion Rs40.96 Billion ▼ -34.0%
2017 -3.73x Rs-104.99 Billion Rs28.17 Billion ▲ +25.2%
2016 -4.98x Rs-97.92 Billion Rs19.65 Billion ▲ +4.3%
2015 -5.21x Rs-70.64 Billion Rs13.57 Billion ▲ +6.7%
2014 -5.58x Rs-60.87 Billion Rs10.91 Billion ▼ -48.9%
2013 -3.75x Rs-32.66 Billion Rs8.72 Billion ▲ +50.6%
2012 -7.59x Rs-45.68 Billion Rs6.02 Billion ▲ +1.3%
2011 -7.68x Rs-28.42 Billion Rs3.70 Billion ▲ +33.9%
2010 -11.61x Rs-15.60 Billion Rs1.34 Billion ▼ -347.9%
2009 -2.59x Rs-1.32 Billion Rs510.37 Million ▼ -342.0%
2008 1.07x Rs321.27 Million Rs299.82 Million ▲ +116.2%
2007 -6.61x Rs-4.71 Billion Rs712.53 Million ▲ +18.4%
2006 -8.10x Rs-4.45 Billion Rs549.46 Million ▼ -86.4%
2005 -4.35x Rs-2.85 Billion Rs654.98 Million
Cash Flow Quality Index = Operating Cash Flow / Net Income. Ratios above 1.0x indicate cash-backed earnings.