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 Jana Small Finance Bank (JSFB) cash flow conversion to assess how effectively this company generates cash.
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. Check JSFB capex plus investments ratio to assess the company's total reinvestment commitment from operating cash flow.
Annual Cash Flow Quality Index for Jana Small Finance Bank (2013–2025)
Year-by-year earnings quality comparison for Jana Small Finance Bank. For live market cap and the full company financial profile, see Jana Small Finance Bank market cap and net worth.
| 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 | — |