Bajaj Finance Limited (BAJFINANCE) — Cash Flow Quality Index
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 debt service capacity to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
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. For the full cash flow conversion analysis, see BAJFINANCE operating cash flow.
Annual Cash Flow Quality Index for Bajaj Finance Limited (2005–2026)
Year-by-year earnings quality comparison for Bajaj Finance Limited.
| 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 | — |