Ujjivan Small Finance Bank Limited (UJJIVANSFB) — Cash Flow Quality Index
Ujjivan Small Finance Bank Limited (UJJIVANSFB) has a Cash Flow Quality Index of -3.49x as of September 2025. Operating cash flow of Rs-7.86 Billion is below net income of Rs2.25 Billion, suggesting accrual-heavy earnings not yet converted to cash. Explore long-term investment intensity of Ujjivan Small Finance Bank Limited 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
Ujjivan Small Finance Bank Limited Cash Flow Quality Index (2017–2025)
Historical Cash Flow Quality Index for Ujjivan Small Finance Bank Limited across 8 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check UJJIVANSFB intangible-adjusted equity ratio to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for Ujjivan Small Finance Bank Limited (2017–2025)
Year-by-year earnings quality comparison for Ujjivan Small Finance Bank Limited. For live market cap and the full company financial profile, see Ujjivan Small Finance Bank Limited (UJJIVANSFB) market capitalisation.
| Year | Quality Index | Operating CF (INR) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | -5.70x | Rs-41.40 Billion | Rs7.26 Billion | ▼ -648.7% |
| 2024 | 1.04x | Rs17.69 Billion | Rs17.02 Billion | ▲ +43.9% |
| 2023 | 0.72x | Rs10.60 Billion | Rs14.67 Billion | ▼ -99.7% |
| 2021 | 260.52x | Rs26.57 Billion | Rs101.97 Million | ▲ +28621.1% |
| 2020 | -0.91x | Rs-4.26 Billion | Rs4.66 Billion | ▼ -151.3% |
| 2019 | 1.78x | Rs4.78 Billion | Rs2.68 Billion | ▼ -99.3% |
| 2018 | 270.83x | Rs23.14 Billion | Rs85.43 Million | ▼ -60.6% |
| 2017 | 687.49x | Rs240.62 Million | Rs350.00K | — |