JM Financial Limited (JMFINANCIL) — Cash Flow Quality Index
JM Financial Limited (JMFINANCIL) has a Cash Flow Quality Index of -0.44x as of September 2025. Operating cash flow of Rs-3.18 Billion is below net income of Rs7.24 Billion, suggesting accrual-heavy earnings not yet converted to cash. Explore debt repayment capacity of JM Financial Limited to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
JM Financial Limited Cash Flow Quality Index (2005–2026)
Historical Cash Flow Quality Index for JM Financial Limited across 20 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see JMFINANCIL cash generation efficiency.
Annual Cash Flow Quality Index for JM Financial Limited (2005–2026)
Year-by-year earnings quality comparison for JM Financial Limited.
| Year | Quality Index | Operating CF (INR) | Net Income | YoY Change |
|---|---|---|---|---|
| 2026 | 0.34x | Rs4.09 Billion | Rs12.02 Billion | ▼ -95.0% |
| 2025 | 6.78x | Rs55.69 Billion | Rs8.21 Billion | ▼ -23.6% |
| 2024 | 8.87x | Rs36.35 Billion | Rs4.10 Billion | ▲ +445.0% |
| 2023 | -2.57x | Rs-24.49 Billion | Rs9.53 Billion | ▼ -8.2% |
| 2022 | -2.38x | Rs-32.03 Billion | Rs13.48 Billion | ▼ -361.5% |
| 2021 | 0.91x | Rs9.69 Billion | Rs10.67 Billion | ▼ -68.6% |
| 2020 | 2.89x | Rs31.64 Billion | Rs10.94 Billion | ▲ +380.7% |
| 2019 | 0.60x | Rs7.72 Billion | Rs12.83 Billion | ▲ +139.3% |
| 2018 | -1.53x | Rs-20.04 Billion | Rs13.09 Billion | ▲ +30.8% |
| 2017 | -2.21x | Rs-21.49 Billion | Rs9.72 Billion | ▼ -69.5% |
| 2016 | -1.31x | Rs-9.04 Billion | Rs6.93 Billion | ▲ +60.7% |
| 2015 | -3.32x | Rs-17.17 Billion | Rs5.17 Billion | ▼ -188.0% |
| 2014 | 3.78x | Rs10.58 Billion | Rs2.80 Billion | ▲ +302.6% |
| 2013 | -1.86x | Rs-4.73 Billion | Rs2.54 Billion | ▼ -188.9% |
| 2012 | 2.10x | Rs3.83 Billion | Rs1.83 Billion | ▲ +158.8% |
| 2011 | -3.56x | Rs-8.12 Billion | Rs2.28 Billion | ▲ +48.3% |
| 2010 | -6.89x | Rs-13.87 Billion | Rs2.01 Billion | ▼ -1474.6% |
| 2008 | -0.44x | Rs-7.83 Billion | Rs17.90 Billion | ▼ -125.6% |
| 2007 | 1.71x | Rs3.12 Billion | Rs1.83 Billion | ▲ +20.9% |
| 2005 | 1.41x | Rs133.77 Million | Rs94.76 Million | — |