Jana Small Finance Bank (JSFB) — Cash Flow Quality Index
Jana Small Finance Bank (JSFB) has a Cash Flow Quality Index of -14.53x as of September 2025. Operating cash flow of Rs-25.70 Billion is below net income of Rs1.77 Billion, suggesting accrual-heavy earnings not yet converted to cash. Explore JSFB debt coverage from operations to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Jana Small Finance Bank Cash Flow Quality Index (2013–2025)
Historical Cash Flow Quality Index for Jana Small Finance Bank across 11 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see Jana Small Finance Bank (JSFB) cash flow conversion.
Annual Cash Flow Quality Index for Jana Small Finance Bank (2013–2025)
Year-by-year earnings quality comparison for Jana Small Finance Bank.
| Year | Quality Index | Operating CF (INR) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.82x | Rs5.94 Billion | Rs3.26 Billion | ▲ +136.8% |
| 2024 | -4.94x | Rs-24.75 Billion | Rs5.01 Billion | ▼ -567.6% |
| 2023 | 1.06x | Rs7.07 Billion | Rs6.70 Billion | ▲ +106.9% |
| 2022 | -15.37x | Rs-39.35 Billion | Rs2.56 Billion | ▼ -131.3% |
| 2021 | 49.14x | Rs8.59 Billion | Rs174.71 Million | ▲ +477.1% |
| 2020 | 8.52x | Rs6.15 Billion | Rs722.60 Million | ▼ -73.0% |
| 2019 | 31.49x | Rs9.49 Billion | Rs301.32 Million | ▲ +321.7% |
| 2016 | -14.20x | Rs-24.16 Billion | Rs1.70 Billion | ▲ +54.2% |
| 2015 | -30.99x | Rs-49.68 Billion | Rs1.60 Billion | ▼ -31.0% |
| 2014 | -23.65x | Rs-17.84 Billion | Rs754.11 Million | ▼ -16.6% |
| 2013 | -20.28x | Rs-10.27 Billion | Rs506.28 Million | — |