The Jammu & Kashmir Bank Limited (J&KBANK) — Cash Flow Quality Index
The Jammu & Kashmir Bank Limited (J&KBANK) has a Cash Flow Quality Index of 0.03x as of December 2025. Operating cash flow of Rs380.76 Million is below net income of Rs12.02 Billion, suggesting accrual-heavy earnings not yet converted to cash. Explore how much of The Jammu & Kashmir Bank Limited's assets are long-term investments to see how much of total assets are deployed in long-term investments.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
The Jammu & Kashmir Bank Limited Cash Flow Quality Index (2005–2026)
Historical Cash Flow Quality Index for The Jammu & Kashmir Bank Limited across 20 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check The Jammu & Kashmir Bank Limited (J&KBANK) tangible equity ratio to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for The Jammu & Kashmir Bank Limited (2005–2026)
Year-by-year earnings quality comparison for The Jammu & Kashmir Bank Limited. For live market cap and the full company financial profile, see The Jammu & Kashmir Bank Limited (J&KBANK) market capitalisation.
| Year | Quality Index | Operating CF (INR) | Net Income | YoY Change |
|---|---|---|---|---|
| 2026 | -2.01x | Rs-27.95 Billion | Rs13.89 Billion | ▲ +62.2% |
| 2025 | -5.32x | Rs-110.66 Billion | Rs20.82 Billion | ▲ +6.5% |
| 2024 | -5.69x | Rs-135.89 Billion | Rs23.89 Billion | ▼ -2369.8% |
| 2023 | -0.23x | Rs-4.07 Billion | Rs17.68 Billion | ▲ +89.2% |
| 2022 | -2.13x | Rs-15.68 Billion | Rs7.37 Billion | ▼ -7888.3% |
| 2021 | -0.03x | Rs-141.65 Million | Rs5.32 Billion | ▲ +99.4% |
| 2019 | -4.54x | Rs-29.92 Billion | Rs6.59 Billion | ▼ -123.2% |
| 2018 | 19.54x | Rs23.63 Billion | Rs1.21 Billion | ▲ +6252.5% |
| 2016 | -0.32x | Rs-2.19 Billion | Rs6.89 Billion | ▼ -320.6% |
| 2015 | 0.14x | Rs1.18 Billion | Rs8.20 Billion | ▲ +136.9% |
| 2014 | -0.39x | Rs-6.83 Billion | Rs17.50 Billion | ▼ -146.5% |
| 2013 | 0.84x | Rs12.80 Billion | Rs15.26 Billion | ▼ -42.8% |
| 2012 | 1.46x | Rs11.76 Billion | Rs8.03 Billion | ▲ +236.8% |
| 2011 | -1.07x | Rs-6.59 Billion | Rs6.15 Billion | ▲ +50.5% |
| 2010 | -2.16x | Rs-11.09 Billion | Rs5.13 Billion | ▼ -191.9% |
| 2009 | 2.36x | Rs9.65 Billion | Rs4.10 Billion | ▼ -5.9% |
| 2008 | 2.50x | Rs9.01 Billion | Rs3.60 Billion | ▼ -53.6% |
| 2007 | 5.39x | Rs14.80 Billion | Rs2.74 Billion | ▲ +218.4% |
| 2006 | -4.56x | Rs-8.06 Billion | Rs1.77 Billion | ▼ -250.4% |
| 2005 | 3.03x | Rs3.48 Billion | Rs1.15 Billion | — |